Course Objectives

• To gain knowledge on functioning of a Commercial Bank, various products and services offered by Commercial Bank as well as various risks faced by Banks.
• To facilitate the different techniques for analysing the bank performance and to evaluate the banking stocks.
• To understand the techniques of the Asset/Liability Management of a Bank.

Course Outcomes

• Assess the bank performance and appraise the value of banking stocks.
• Analyse Asset/Liability Management (ALM) and apply various Techniques of Asset/Liability Management for smooth operation of the Bank.

• COS	COURSE OUTCOMES	MAPPING COS WITH POS (High-3; Medium-2; Low-1)
  CO1	Assess the bank performance and appraise the value of banking stocks.	PO1(3), PO2(2)
  CO2	Analyse Asset/Liability Management (ALM) and apply various Techniques of Asset/Liability Management for smooth operation of the Bank.	PO1(3), PO3(3)

Course Syllabus

Course Content:              

Module: I

Indian banking system

Indian banking system, Reserve Bank of India, Commercial banks, Banking Instruments: Cheque, NEFT, RTGS, IMPS, Internet Banking; Bank Rates in India: CRR, SLR, Repo Rate, Reverse Repo Rate; Asset classification of a bank: Performing Asset, NPA, Provision on types of assets; Techniques of Credit Control; Capital Adequacy

Module: II

Product and Services Provided by Commercial Banks

Deposits: Type of Deposit Account: Classification of bank accounts, Loan and Advances: Classification of loans, principles of good lending, loan procedure followed by banks, evaluating consumer, Business Loans: Types of Business Loan, Process of obtaining Business Loan; Services Provided by Commercial Banks

Module: III

Bank Performance and Evaluation

Financial statements of commercial banks, evaluation of bank performance measures, valuation of bank stocks

Bank Management: Teasuary Management, Credit Management, Investment Management, Liquidity Management, Liabilities Management, Capital Management, Management of Off-Balance Sheet Activities.

Module: IV

Asset/Liability Management

An Overview of Asset/Liability Management (ALM), Risk in bank: credit risk, interest rate risk, market risk, operational risk, liquidity risk, solvency risk, legal risk

Techniques of Asset/Liability Management: gaps analysis, sensitivity analysis, duration analysis and use of derivatives in ALM.

Project:

• Project on Products and Services provided by different Commercial Banks.
• Project on Financial Statement Analysis of different Commercial Banks
• Project on Asset Liabilities Management of different Commercial Banks

Text Books:

• Banking Theory and Practice by K.C. Shekhar & Lekshmy Shekar : Vikas Publishing House (P) Ltd., 21st Edition 2013.
• Risk Management In Indian Banks by Dr. K.M. Bhattacharya: Himalaya Publishing House Pvt. Ltd.

Journals:

• Journalof Bank Management
• Asian Journal of Research in Banking and Finance

Links to websites:

• https://rbidocs.rbi.org.in/rdocs/notification/PDFs/9492.pdf

Session Plan

Session 1

Discussion of Course Contents and Session Plan

https://www.youtube.com/watch?v=fTTGALaRZoc

https://www.youtube.com/watch?v=aJJoV0xSDqA

Session 2

Session 3

Session 4

Session 5

Session 6

Session 7

Session 8

Project on Products and Services provided by different Commercial Banks

https://drive.google.com/file/d/1wtHb46jVhKEQsGC3_0eTRYw1BWyps1nD/view?usp=share_link

Students' Presentation

Session 9

Session 10

Types of Bank Loans

Project on Products and Services provided by different Commercial Banks

Students' Presentation

https://www.youtube.com/watch?v=L7zXxgEZ1pg

https://drive.google.com/file/d/1wtHb46jVhKEQsGC3_0eTRYw1BWyps1nD/view?usp=share_link

Session 11

Session 12

Session 13

Session 14, 15

Project on frauds in Indian Commercial Banks.

Students' Presentation

Session 16

Session 17

Case Study of the Indian Banking and Financial Services Industry using Strategic Tools

https://www.managementstudyguide.com/case-study-of-indian-banking-and-financial-services-industry.htm

Students' Presentation

Session 18

Session 19

Session 20

Project on Financial Statement Analysis of different Commercial Banks

Students' Presentation

Session 21

Session 22, 23

Session 24, 25, 26

Session 27, 28

Case Study Risk Management 2016 Danske Bank Group

https://danskebank.com/-/media/danske-bank-com/file-cloud/2017/2/risk-management-2016.pdf

Students' Presentation

Session 29, 30

Session 31, 32 33

Session 34, 35

Managing Liquidity of Commercial Banks

Students' Presentation Class Test 2

https://www.tutorialspoint.com/bank_management/bank_management_liquidity.htm

https://www.businessmanagementideas.com/notes/market/liquidity-management-by-banks-steps-and-principles/5504

https://www.youtube.com/watch?v=1j9tU6RAliU

Session 36, 37

Management of Liabilities

Students' Presentation

https://www.youtube.com/watch?v=1j9tU6RAliU

Session 38, 39

Management of Off-Balance Sheet Activities

https://slideplayer.com/slide/4165787/

https://www.youtube.com/watch?v=wKVIPIVW8UI

Session 40, 41, 42

Project on Asset Liabilities Management of different Commercial Banks

Students' Presentation

Case Studies

http://ijrar.com/upload_issue/ijrar_issue_1105.pdf

https://ijcrt.org/papers/IJCRT1134383.pdf

https://www.ijrar.org/papers/IJRAR19D1226.pdf

https://www.ijesi.org/papers/Vol(6)7/Version-3/O060703108121.pdf

https://core.ac.uk/download/pdf/234630323.pdf