Finance Domain: Commercial Banking and ALM

Teacher

Dr. Pramod Kumar Patjoshi

Category

Core Courses

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Course Name : Commercial Banking and ALM

 

Code(Credit) : CUFM2352(3-0-1)

Course Objectives

  • To give a comprehensive overview of the functioning of a Commercial Bank, various products and services offered by Commercial Bank as well as various risks faced by Banks.
  • To provide a thorough understanding and techniques of the Asset/Liability Management of a Bank.

Learning Outcomes

  • Understand and gain knowledge about the Regulatory Framework in the Indian Banking system as well as functioning of a Commercial bank.
  • Analyse Asset/Liability Management (ALM) and apply various Techniques of Asset/Liability Management for smooth operation of the Bank.

Course Syllabus

Module: I

Indian Banking System

Banks: Meaning, nature, characteristic of the Indian banking system, functions of commercial banks – primary functions; secondary functions; agency functions and general utility functions, Structure of banking sector in India, the role of banks in the development of economy, Reserve Bank of India, Bank Regulatory Environment.

Module: II

Product and Services Provided by Commercial Banks

Type of Deposit Account: Types of deposits, the process of opening bank accounts, pay-in-slip, Cheque book, passbook, ATM cum Debit card, Credit Card, advantages of bank account,

Loan and Advances: Introduction, classification of loans, principles of good lending, loan procedure followed by banks, evaluating consumer and commercial loans; core banking solution

Capital Adequacy, Non-Performing Assets

Module: III

Bank Performance and Risk in Bank

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

Risk in a bank: credit risk, interest rate risk, market risk, operational risk, liquidity risk, solvency risk, legal risk

Module: IV

Techniques of Asset/Liability Management

An Overview of Asset/Liability Management (ALM), Techniques of Asset/Liability Management: Liquidity: gaps analysis, sensitivity analysis, duration analysis, and use of derivatives in ALM.

Lending Management, Investment Management, Liquidity Management, Capital Management, Management of Off-Balance Sheet Activities.

Project:

  • Project on Products and Services provided by different Commercial Banks.
  • Project on Financial Statement Analysis of different Commercial Banks 
  • Project on different frauds in Indian 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:

Session Plan

Session 1

Session 2

Introduction to Bank, Characteristics of Indian Banking System, Role of Banks

https://www.slideshare.net/1954bvr/meaning-definition-and-functions-of-banking

https://www.youtube.com/watch?v=AI8cdTLD_T4

Session 3

Indian Banking System, Classification of Banks in India, Present Scenario of Banking System in India

https://www.slideserve.com/dagan/introduction-of-indian-banking-system

https://www.youtube.com/watch?v=Qh-hrnH8Pq8

Session 4

Role and Functions of Reserve Bank of India

Case Study of State Bank of India

https://www.fujitsu.com/global/Images/CS_2015Sep_State_Bank_of_India_V4.pdf

https://www.youtube.com/watch?v=Bqyek4dnycM

Session 5

Techniques of Credit Control

https://www.youtube.com/watch?v=8x0-MiFKXag

Session 6

Commercial Banks and their Functions

https://www.youtube.com/watch?v=wlsOeE346SI

Students' Presentation

Session 7, 8

Session 9, 10

Project on Products and Services provided by different Commercial Banks

Students' Presentation

Session 11

Session 12, 13

Types of Bank Loans

Project on Products and Services provided by different Commercial Banks

Students' Presentation

https://www.slideshare.net/eldhojvaliyaveeden1/different-types-of-loans-in-india

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

Session 14

Principles of Lending, Loan Procedure followed by Banks

https://www.youtube.com/watch?v=xX65VQvN0d8

https://www.iedunote.com/lending-process

Session 15

Evaluating Consumer and Commercial Loans, Nature and Characteristics of Loans Granted by Commercial Banks, Factors Influencing Loan Policy in a Bank

Case Study of the Kingfisher Airlines Outrage

https://www.managementstudyguide.com/kingfisher-airlines-outrage.htm

Session 17, 18, 19

Project on frauds in Indian Commercial Banks.

Students' Presentation

Session 22, 23

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 24

Session 25, 26

Bank Performance Measures, Valuation of Bank Stocks,

Students' Presentation

https://www.slideserve.com/kagami/measuring-and-evaluating-bank-performance

https://www.youtube.com/watch?v=GqfdcEEds8E

Session 21, 28, 29

Project on Financial Statement Analysis of different Commercial Banks

Students' Presentation

Session 32, 33

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

Students' Presentation

https://www.slideshare.net/firozepnm/fortune-500-apple-82450000?next_slideshow=1

https://www.youtube.com/watch?v=NBcfmby4Ehk

Session 34, 35, 36

Case Study Risk Management 2016 Danske Bank Group

https://danskebank.com/da-dk/ir/Documents/2016/Q4/Riskreport2016.pdf

Students' Presentation

Session 37

Management of Lending Activities

Students' Presentation

https://www.slideshare.net/TitikshaChaturvedi/bank-lendings-and-loans-ppt

Session 41

Session 42, 43

Project on Asset Liabilities Management of different Commercial Banks

Students' Presentation

Case Studies

Case Studies

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    Working as an Associate Professor (Finance) in the School of Management, Centurion University, and Management, Bhubaneswar. Completed MBA from Kanchipuram University in 1998 with specialization in Finance and done Ph.D. entitled “The Impact of Inflation on Business Performance under Conditions of Limited Financial Disclosure: Case of Firms Operating in India”. Have 15 years of teaching […]