ST.JOSEPH S COLLEGE OF COMMERCE (AUTONOMOUS) DEPARTMENT OF COMMERCE

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1 ST.JOSEPH S COLLEGE OF COMMERCE (AUTONOMOUS) DEPARTMENT OF COMMERCE TEACHING LESSON PLAN FOR THEORY AND PRACTICE OF BANKING B.Com 4 th Semester (November, 05 to March, 06) Subject Objective: To help students understand various concepts in Banking, to make students apply conceptual skills in Banking practices and to expose students to the latest trends in Banking. Description of learning goals / objectives:. Time/hours required 60 hrs. Process lecture method, case study references, role playing, visual aid... Output better understanding of the conceptual framework of the subject 4. Assessment (CIA) s, presentations, short assignments and study analysis Lesson Plan Framework (Module Wise) Module/ Module Title / hours Module : Nature of Banking and Functions of a Module : Commercial Banks and Central Bank Module : and Customer 4 Hrs Module 4: Negotiable Instruments Topics for student Preparation Functions Hrs of commercial Banks- Sources and employment of commercial bank funds- earning assets of a bank- creation of credit by bankstheories of liquidity and profitability Types of Banks-Types of Banking system- Purpose and functions- Micro credit- Islamic Financing- Regulatory Authority Obligations and Rights of a - Garnishee Order- Disclosure of Information- Law of Limitation Essential Characteristics of Negotiable Instruments- Procedure Learning outcome Assessment Understanding Banking Environment and functions Types of Banks and Banking systems in existence in global view and Indian scenario. Importance of the Apex Bank of India. Understanding the -Customer obligations and relationships. In depth information on Negotiable Instruments which are utilized by people MCQ, Guess the following, Viva MCQ, Guess the following questions Team project

2 0 Hrs Promissory note- Bills of Exchange- Cheque- Demand Draft- Parties to Negotiable Instrument. Module 5: Paying and Collecting 0 Hrs Module 6: Principles of Bank Lending Module 7: Latest Trends in Banking Module- 8: Managing Risk In Banking 4 Hrs Precautions to be taken by a Paying - Protection to Paying - Conversion by Collecting - Duties of Collecting Principles of Sound Lending- Credit Worthiness- Non Performing Assets- Modes of Creating Charge. Phone Banking- Internet Banking- Electronic Fund Transfer Different types of risks- Basel Norms and its global impact in commerce and business on a daily basis. Basic understanding of the differences between Paying s and Collecting s and their duties. All about Credit Worthiness and Non Performing Assets. Key Points Understanding the latest trends in Banking. Understanding terminologies associated with Risk in Banking Industry and Basel Norms. Presentation LESSON PLAN FRAMEWORK (HOUR-WISE): Subject Name: Theory and Practice of Banking Hours: 60Hrs

3 No. Of Sl. No Title / Topics Hours Module Nature of Banking and Functions of a. Origin of Banking and Banks-Commercial Banks- Meaning and Definition. Functions of Commercial banks- Sources and Employment of funds.. Credit Creation by banks 4. Theories of Liquidity and Theories of Profitability 5. Types of Banks- Scheduled and Non Scheduled Banks, Regional Rural Banks, Development Banks: IFCI, SFC, SIDC, ICICI, IDBI, NABARD Module Commercial Banks and Central Banks. Types of Banking systems- Branch, Unit, Investment, Universal Banking, Islamic Financing Understand the basic purpose and functions of :. Retail Banking- Corporate Banking- Private Banking- Co-operative Banking. Micro Credit- Meaning and Importance 4. Regulatory Authority- RBI- Quantitative and Qualitative credit control measures Module and Customer 4 Hrs. Obligations and Rights of a. Garnishee Order and Law of Limitation. Disclosure of Information about customers account as required by law Module 4 Negotiable Instruments 0 Hrs. Meaning- Essential characteristics of Negotiable Instruments. Promissory Note- Bills of Exchange. Cheque- meaning- features and types 4. Types of Crossing 5. Demand Draft- Meaning-Difference between cheque and Demand Draft 6. Parties to a Negotiable Instrument Revision/repetition of chapters Module 5 Paying and Collecting 0 Hrs Methodology/ Instructional Techniques and and and and and and and and and and and and and and and and and and Test, Presentations, Submission Evaluation/ Learning Confirmation Video

4 . Meaning of Paying - Precautions to be taken by Paying Protection to Paying in case of Order cheques. Suitable replies to dishonored cheques by Paying 4. Meaning of Collecting - Conversion by Collecting 5. Duties of Collecting Module 6 Principles of Bank Lending Principles of Sound Lending Credit Worthiness of Borrowers Non Performing Assets 4 Modes of Creating charge through Lien, Pledge, Hypothecation, Mortgage and It s types, Assignment 5 Revision/repetition of chapter/ s/ examples/visual-aid Module 7: Latest Trends in Banking 8. Phone Banking- Call centers.. Internet Banking- Mobile Banking Payment Gateways- Card Technologies 4. MICR Electronic Clearing 5. Total Branch Computerization 6. Centralized Banking 7. Electronic Fund Transfer- RTGS- NEFT and and and and and and and and and Questions/viva Tests 8. Electronic Money- E-cheques 4

5 Module-8 Managing Risk in Banking 4 Hrs. Meaning of Risk- Difference between Risk and Uncertainty- Different types of Risk. Basel Norms and its Global Impact with special Emphasis on its Implementation in India and and Prepared by:- Mrs. Komal Dave 5