Sie sind auf Seite 1von 18

Detailed syllabus of the Post Graduate Diploma in Banking and Finance

Detailed syllabus is appended below: TERM 1 1. PAB601 MANAGERIAL COMMUNICATION - I 2 CREDITS UNIT 1 Introduction to managerial communication: Meaning, Importance and objectives; principles of Communication, forms of communication. UNIT 2 Communication Process, Barriers to effective communication, Techniques of effective communication, Nonverbal communication: Body Language, facial expressions, Gestures, Postures, Dress code , creativity in oral communication, Cross Cultural Dimensions of Business Communication; Listening and speaking, Business and social etiquette. UNIT 3 Public Speaking and Presentation - Technical & Non-technical presentations, Speech of introduction, Speech of thanks, Occasional speech, Theme speech, Use of audio visual aids UNIT 4 Group communication: Importance, Meetings - group discussions; Videoconferencing UNIT 5 Sentence construction, Kinds of Sentences, Structural Categorization of Sentences UNIT 6 Common errors committed while writing, Active and Passive Voice UNIT 7 Writing for effect, the Effect of Words UNIT 8 Introduction to managerial writing: Adaptation in Business Writing UNIT 7 Communication through telephone; Receiving Telephone Calls; Initiating Telephone calls UNIT 8 E-Mail Messages, Proposals, Technical Articles, Telegrams, Telex Messages, Facsimiles, Electronic Mail, Handling a Mail, Legal Aspects of Business Communication

2. PAB603

BEHAVIOURAL PROGRAM - I

2 CREDITS

UNIT 1 Foundations of individual behavior; Personality, shaping of personally, determinants of personality The self- concept, self- esteem and selfsufficiency UNIT 2 Perception, perceptual process, managing the perceptual process, Learning Process, Reward System and Behavioral management, The Theoretical process of learning, Principles of Learning, Reward and Punishment, Organizational Reward Systems UNIT 3 Attitude formation, functions, change of attitudes, values, types of attitudes

UNIT 4 Emotional Intelligence: Emotional Intelligence in Management, Components of Emotional Intelligence, Analysis of the Impact of Emotion at the Workplace, EQ, Application of EQ at Workplace, Improving EQ UNIT 5 Customer Service- types of customers, needs of the customers, Understanding the 5 stages in building customer relationship, managing customer relationship. UNIT 6 Customer Service Management -Understanding customer service, skills required to provide excellent service, dimensions to provide excellent service, understanding personality types of customers and best practices to handle them UNIT7 Customer Satisfaction -Importance of Customer Satisfaction, Understanding Customer satisfaction drivers, Methods to measure customer satisfaction UNIT 8 Customer Value Management - Understanding the difference between customer value and customer satisfaction, Customer perception - comparison between quality and satisfaction, Understanding customer expectations and customer satisfaction, dimensions of service quality, Dimensions of service encounters and satisfaction

3. PAB605 IT IN BANKING & FINACLE 1 (Deposits and Remittances) 2 CREDITS UNIT 1 Computer basics: covering basics of hardware, system software, application software, Database etc. UNIT 2 IT security awareness: Security awareness like social engineering attacks, phishing, maintaining secrecy of passwords etc. UNIT 3 Management Information system and Basics of MS-Office UNIT 4 Finacle General (architecture, platform, menu system etc.), Finacle functional training UNIT 5 Finacle module relating to deposits- Customer Creation / Modification, Account Opening / Modifications / Closing, Signature Scanning UNIT 6 Finacle module relating to Balance Sheet / Profit & Loss Account, Printing, Generation of Files, Exceptional Report / Day Book / Supplementary, GL Transactions like, Service Tax, Furniture & Fixture

UNIT 7 ATM activation, Issue of Cheque Book / Inventory Management, Stop Payment, Standing Instructions, Issue of Pass Book / Pass Book up-dating, Normal Transactions, Account Freezing / Lien Marking, file up-dating, Statement Printing, Nomination Noting, Interest Certificate Term deposit accounts - Accounts Opening / Closure, TDS remittance, TD Printing, Nominations, Interest Certificate, TD Renewals / Extensions UNIT 8 Finacle module relating to Remittances - Inward / Outward clearing procedure, Returns / Return Memo Printing, Issue of Demand Drafts / Bankers Cheques, RTGS / NEFT, OBC, Mark Pending (for clearing services) UNIT 9 Finacle module relating to handling of cash.

4. PAB607 MANAGERIAL ECONOMICS 3 CREDITS UNIT I Introduction to Economics; Demand and Supply Analysis: Analysis of Demand, estimation of demand; Elasticity of Demand, Techniques and Importance of Demand forecasting UNIT 2 Production & Cost Analysis: Production & Production Function: Concept, Forms of production function, Law of variable Proportions, Returns to scale. Cost concept, Short term and long term cost output relationship, Cost curves, Economies of scale UNIT 3 Market Structure: Market Structures- Perfect Competition, Monopoly, Monopolistic Competition & Oligopoly, profit maximization and Price and Output determination under various market structures. UNIT 4 Pricing: Cost plus pricing, incremental pricing, transfer pricing and price discrimination UNIT 5 National Income aggregates GDP / NNP / GNP determination of income and employment; savings and investment; Concept of multiplier; inflation and unemployment- types, causes and control. UNIT 6 Fiscal and Monetary Policy: objectives and Instruments; Effectiveness of Monetary and Fiscal Policy with respect to Indian Economy. UNIT 7 Money Supply and Interest Rates, interest rates and inflation UNIT 8 External Sector: International Trade, Foreign Capital flows & Balance of Payments, Exchange Rate: Fixed & Flexible; Convertibility of Rupee (Current & Capital Account).

5. PAB609 BUSINESS MATHEMATICS AND STATISTICS BUSINESS MATHEMATICS

2 CREDITS

UNIT 1 Interest rates - Simple and compound; Rates of interest nominal, effective and continuous, their inter-relationships, Compounding and discounting of a sum using different types of rates UNIT 2 Time value of money - Concept of present value, Types of annuities, Present values and accumulated values of these annuities; discount rate, IRR, Applications to Investment decisions.

UNIT 3 Interest Rates - Fixed and Floating Rates- Daily Products; EMI Calculation STATISTICAL METHODS UNIT 4 Introduction to statistics, frequency distributions including graphical presentations UNIT 5 Measures of Central Tendency; Mathematical averages: Arithmetic mean, Geometric mean and Harmonic mean: Properties and applications, Positional Averages: Mode and median and other partition values - quartiles, deciles, and percentiles. UNIT 6 Measures of dispersion: Measures of Variation: absolute and relative, Range, quartile deviation, mean deviation, and variance and Standard Deviation, Coefficient of variation UNIT 7 Elementary Concepts of Probability and estimation, Correlation analysis, Co-efficient of correlation: calculation and properties 6. PAB611 ACCOUNTING AND FINANCIAL MANAGEMENT 3 CREDITS

UNIT 1 Nature and purpose of accounting; Historical perspectives Accounting principles, concepts, conventions, relevant accounting standards, Revenue recognition and realization accrual and cash basis, Accounting equation & Financial Statements. UNIT 2 Double Entry System, Journalizing, Ledger Records, Trial Balance ,Trading and Profit & Loss Account; Balance Sheet, Maintenance of cash and Cash books, Adjusting and Closing entries UNIT 3 Bank reconciliation statement UNIT 4 Capital & Revenue Expenditure/Depreciation/Introduction to Inventory Valuation UNIT 5 Basics of the balance sheet structure of Partnership accounts and Company(including banking companies) accounts (horizontal and vertical formats) Accounting in a computerized environment-methods-procedures-security, rectification, treatment of intangibles like goodwill, Off-balance sheet items etc., UNIT 6 Analysis of Financial Statements Ratio Analysis (including banks). Basic elements of Cash flow and funds flow statements.

UNIT 7 Cost of Capital Cost of debt and preference shares, Cost of equity and retained earnings, weighted average cost of capital, weighted marginal cost of capital, divisional and project cost of capital. UNIT 8 Concept of EVA, EVA Analysis, Methods of calculating EVA- Residual Income Method and Refined Earnings Method. 7. PAB613 INTRODUCTION TO BANKING, DEPOSITS & REMITTANCES 3 CREDITS

UNIT 1 Money definition, evolution; Banking evolution, financial intermediation; definition of banking business of trust and fiduciary responsibility; Spread of banking, branch penetration, social banking; Overview of banking central bank and types of banks, commercial banks - traditional services; Retail/Wholesale/International/Agriculture/SME/Other services; credit/debit /pre-paid cards UNIT 2 Banking channels Branch banking, ATM, Internet, Mobile, Phone, outsourcing UNIT 3 Customer- banker customer relationship, rights and obligations, types of customers; UNIT 4 Regulations of RBI KYC/AML, customer education and financial inclusion UNIT 5 Banking Services and products Asset products, Liability products ( different types of current account, savings account and term deposits), UNIT 6 Funds transfer; the need for funds transfer -Movement of funds, non-banking channels Methods of funds transfer, Security measures, UNIT 7 Instruments of funds transfer Cheques, Demand Drafts, Payment Orders and Bankers Cheques UNIT 8 Procedure for encashment of draft/TT, Validity of Instruments, Loss of DD, Cancellation of DDs, Revalidation, issue of duplicates, payment through cheques

UNIT 9 Electronic funds transfer such as RTGS, NEFT, SWIFT, mobile banking, internet banking, Point of sale payments, card payments. UNIT 10 Clearing - MICR / Non MICR, ECS, NECS, Cheque truncation, Collection and purchase of cheques and bills UNIT 11 Inter- bank payment & settlements Act-2008, SIPS( ) IAS(integrated accounting system) UNIT 12 Cash handling procedure at branches/currency chests - Clean note policy, dealing with counterfeit currencies etc. 8. PAB615 GENERAL MANAGEMENT 2 CREDITS

UNIT 1 Management: Concept, Nature, Importance; Levels of Management, , Importance of Business Ethics, Governance & Social Responsibility UNIT 2 Introduction to Functions of Management, Planning, Organizing, Staffing, Directing, coordination and control UNIT 3 Management theories Classical, Modern and Current developments in management. UNIT 4 Human Resource Management: Meaning, objectives, scope and functions, Emergence of Human Resource Management as people management; concept of learning organization and knowledge management. UNIT 5 Human Resource Planning and development: training and development, succession planning UNIT 6 Performance management and appraisal- Appraisal systems such as Balance scorecard, career planning and management, promotion, incentives and transfers

TERM 2 1. PAB602 MANAGERIAL COMMUNICATION - II 2 CREDITS UNIT 1 Business Letters- Direct/Indirect Approach, Business Letters: Types Business letters: Inquiries, Circulars, Quotations, Orders, Acknowledgments, Executions, Complaints, Claims and adjustments, Collection letter UNIT 2 Banking correspondence, Agency correspondence, Bad news and persuading letters, Memos, minutes, Circulars and notices UNIT 3 Memorandum, Report Writing UNIT 4 Proposal Writing UNIT 5 Minutes Agenda UNIT 6 Case Study and Case Analysis

2. PAB604 BEHAVIOURAL PROGRAM- II 2 CREDITS UNIT 1 Team Building and group dynamics, working teams and team effectiveness, Intra team dynamics, decision making and influence of the group on individual/group decision making, Inter group relations - collaboration, conflict management and Change Management UNIT 2 Interpersonal Skills, Johari Window, Johari Window vs. Tuckmans 4 Stages, Transactional Analysis, Time Management, Goal Setting UNIT 3 Leadership Skills, Introduction, Leadership, Motivation, Group Teams and Corporate Culture, Understanding People, Attitude, Perception and Learning, Encouraging Creativity and Innovation UNIT 4 Stress Management UNIT 5 Negotiation Skills

3. PAB 606 FINACLE - 2 (Lending ,Recovery, Allied Services, & Retail Banking) 1 CREDIT UNIT 1 Finacle module relating to loan accounts, Account Opening / Modification / Closing. UNIT 2 Managing Disbursements, Recovery in the Loan account, Changing Interest Rate / Interest Table. UNIT 3 Managing Review Date updating / Limit, History Modification, Security Attachment, Reschedulement. UNIT 4 Handling of Subsidy accounts UNIT 5 Managing CC / OD Accounts Limit, Limit Node Maintenance, History, Modification, Drawing Power Maintenance, Security Attachment, TOD / Adhoc Limits UNIT 6 Accounting for Processing / Documentation Charges, Inspection Charges etc. UNIT 7 Handling of KCC accounts. UNIT 8 Handling Inland Bills - Lodgment / Purchasing / Discounting

4. PAB608 BANKING LAWS 2 CREDITS UNIT 1 Reserve Bank of India Act 1934, Banking Regulation Act 1949. UNIT 2 Negotiable Instruments Act, Account Payee Crossing, Not- negotiable crossing, material alteration, payment of cheques, Allonge, UNIT 3 Partnership Act, Companies Act - provisions relating to the existence of the company as an independent legal entity, difference between Public and Private Limited Companies, deemed Public Company, provisions relating to Memorandum of Association and Articles of Association, registration of charges, provisions relating to the borrowings by the company, provisions relating to the Corporate Guarantee, etc. Societies Act provisions relating to the

constitution and bye laws and basic provision as to the working of the Society, Indian Trust Act Basic provision as to the operation of the Trust, limited liability partnership. UNIT 4 Transfer of Property Act, Contract Act with special reference to Guarantee/Indemnity, Pledge, Lien etc., Lenders Liability Act, Law of limitation. UNIT 5 Right to Information Act UNIT 6 Civil Procedures Code, Criminal Procedure Code, Prevention of Corruption Act UNIT 7 Income Tax Act, Indian Stamp Act, Service Tax, Sale of goods act, Prevention of Money laundering act UNIT 8 Bankers Book Evidence Act 1891, Information Technology Act

5. PAB610

BASICS OF LENDING

3 CREDITS

UNIT 1 Principles of lending, Forms of advances ; Deregulation of interest rates, Base Rate, Different types of security- Primary and collateral; Different types of borrowers individual, proprietary, partnership, companies, Trusts. UNIT 2 Advances to large industries general principles, exposure norms, credit reporting system, credit delivery system, multiple/consortium/syndication mode; Concept of MPBF (Tandon Committee) Chore Committee, Kannan Committee[Credit Monitoring Arrangement (CMA)], Financial Follow up Reports. UNIT 3 Ratio Analysis, Funds Flow and Cash Flow Analysis UNIT 4 Projected Balance Sheet Method- Determining Operating Cycle and Working Capital Requirements, Profitability, Inventory and receivable norms, Credit Delivery System (Jilani Committee), Projected Turn-over method, Flexible approach to Current Ratio, CMA UNIT 4 Cash Budget Method of Lending UNIT 5 Documentation Charge creation, search, filing, modification, satisfaction, floating/fixed, Pari passu UNIT 6 Bridge Finance, Bills Finance, LC and Bank Guarantees - financial, performance, deferred payment, RBI guidelines on LCs/Guarantees, Letter of Comfort. UNIT 7 Credit Risk Assessment- borrower/facility rating; internal/external; hurdle/default rate; risk assessment for new borrowers, CIBIL UNIT 8 Term Loan, Project Finance, infrastructure lending

UNIT 9 Financing of Trade and Services sector UNIT 10 Fair Practices Code for Lenders 6. PAB612 BANKING - ALLIED SERVICES 3 CREDITS

UNIT 1 Distribution of Mutual Fund and insurance products; Distribution of other financial products; UNIT 2 Introduction to Merchant Banking, Essential requirements for a public issue, Issue Management, pricing of issue, Differences between private placement and public issue; IPO collections/refund. UNIT 3 Roles and responsibilities of lead manager, Draft prospectus, Disclosures. UNIT 4 Role of SEBI and stock exchanges in the pre and post issue management. UNIT 5 Other market players- co managers, underwriters, registrar, brokers, bankers to issue, refund banker, etc. UNIT 6 Role of commercial banks in an IPO for equity; role of bankers in private placement of debt or equity. UNIT 7 Depository and Custodial Services, De-mat services; UNIT 8 Other Services- Investment, advisory and hedging products, Collection of taxes and utility bills; Safe custody and vault (Lockers); Advisory services, Debenture trustee services. 7. PAB 614 RETAIL BANKING 3 CREDITS

UNIT 1 Definition and concepts - advantage/disadvantages, opportunities, challenges; Liability products/remittance products of the Bank UNIT 2 Strategies for increasing retail banking business Product innovation, quality service and quickness in delivery, new delivery channels, tapping unexploited potential, cross selling, business process outsourcing, Tie-up arrangements. UNIT 3 Special features of Retail Credit - volume driven, credit assessment capability, documentation, processing capability, regular and constant follow up, skilled human resource, technological support UNIT 4 Issues in Retail Credit - knowing the customer, technological issues, organizational set up, product innovation, pricing of products, processing charges, rural orientation, customer service. UNIT 5 Home Loans, Home Loans to NRIs / PIOs; Home Improvement Loan; Interest Subsidy Scheme for Housing for the urban poor

UNIT 6 Loan against Future Rent Receivables; Mortgage Loan; Reverse Mortgage Loan UNIT 7 Advances against Securities, Loan for financing Individuals for subscription to Public Issues /IPO UNIT 8 Education Loan/ Career Development Loan UNIT 9 Auto Loans: Two Wheeler Loan, Four wheeler Loan UNIT 10 Loan to Professionals like Doctors, Chartered accountants and other Personal Loans etc. UNIT 11 Traders Loan, Advances against Gold Ornaments /Jewellery UNIT12 Retail loan processing mechanism and issues 8. PAB616 FINANCIAL ANALYTICS 3 CREDITS

UNIT 1 Introduction: Concepts of investment- Financial and non-financial forms of investment Objectives of financial investment, investment methods Security and non-security forms of investment Sources of investment information- Investment Instruments UNIT 2 Financial markets: Money Markets, Foreign Exchange Markets, Capital Markets - primary and secondary markets major players and instruments in secondary market - Functioning of stock exchanges, trading and settlement procedures at NSE & BSE... Stock markets guidelines on primary & secondary markets. UNIT 3 Valuation of securities: bond and fixed income instruments valuation -bond pricing theorems, duration of bond and immunisation of interest risk, term structure of interest rate, determination of yield curves, valuation of equity and preference shares UNIT 4 Analysis of risk & return: concept of total risk, factors contributing to total risk, systematic and unsystematic risk, default risk, interest rate risk, market risk, management risk, purchasing power risk. Risk & risk aversion. UNIT 5 Fundamental & Technical Analysis of equity stock: Concept of intrinsic value, Objectives and beliefs of fundamental analysts, Economy-Industry-Company framework, Economic analysis and forecasting. Basic tools of Technical analysis. UNIT 6 Modern portfolio theory: Asset allocation decision, Dominant & Efficient portfolio simple diversification, Markowitz diversification model, selecting an optimal portfolio Sharpe single index model, Determination of corner portfolio, Process of portfolio management. UNIT7 Introduction to derivatives: Futures, options, forwards and swaps, introduction to interest rate swaps, Valuation of futures and options, Hedging using Futures and options.

TERM 3 1. SALES AND RELATIONSHIP MANAGEMENT

3 CREDITS

UNIT 1 Products and services - life cycle UNIT 2 Financial selling, sales process, sales management, personal selling, prospecting, demand funnel, ethics in selling UNIT 3 Cross selling mutual fund (Demat), life insurance, general insurance and other services UNIT 4 Meaning and Scope of Marketing, Principles of marketing; marketing and selling, marketing mix, Marketing and customer value, Market research and MIS, UNIT 5 Constructing a customer database, Identifying Market Segments and Targets, Brand Positioning, Managing Marketing channels, Competitors, Marketing Communication, advertising and sales promotion, Events and Public Relations UNIT 6 Direct Marketing, Online marketing Challenges, Network marketing, Implications of Global marketing, (country of origin effects, marketing Organization), benchmarking UNIT 7 Rural market environment, Problems of Rural Marketing, Scope, Rural Marketing Strategies UNIT 8 Relationship management, Customer Relationship Management, defining and understanding CRM, Basic determinants of CRM, Functions of CRM model, customer attitude, service failures, risk profiling of customers 2. PAB623 CREDIT & RISK MANAGEMENT 3 CREDITS

UNIT 1 Definition of risk, risk and volatility, types of financial risks, country risk, counterparty risk, default risk, concentration risk, settlement - need for risk management, framework of risk management system in banks, essentials of risk management- risk identification, risk measurement, risk pricing, risk monitoring and control and risk mitigation. UNIT 2 BASEL Norms pertaining to risk management - Credit risk (Probability of default, exposure at default, loss given default and maturity; directives of RBI for implementing credit risk management framework in banks and the requirements thereof) Market risk, operational risk and liquidity risk. Capital charge for various risks. UNIT 3 Credit Analytics: Credit worthiness and assessment; Detailed analysis of five Cs, Securitiesvaluation and margin, Credit scoring models Credit risk managing tools such as VaR, Credit derivatives, CDS, CDOs, cross-border credit risks UNIT 4

Interbank payment risks, settlement risks, Herstatt risk UNIT 5 Operational Risk - Maker checker system, preventive vigilance, Inspection audit, Business continuity plan, RCSA/ KRI UNIT 6 Role of credit ratings, different approaches for risk rating. UNIT 7 Retail Credit- credit rating models

3. PAB 625 FINACLE 3 (CBS Software- CRM,TF,FP TM,FX,DB) UNIT 1 Trade Finance - Finacle modules related to: Foreign Currency Deposit Accounts, UNIT 2 Letters of credit Inland and foreign, Guarantees Inland and foreign, UNIT 3 Foreign Inward Remittances, Foreign Outward Remittances, UNIT 4 Forward contracts, UNIT 5 Imports FIBC/FIBL/Buyers Credit, UNIT 6 Exports- Pre shipment Export, Pre shipment credit- PC and PCFC, Post shipment UNIT 7 Exports- FBC/FBP/FBD/FCB/PSDL, UNIT 8 Statutory Returns R Returns, NRDCSR, IBSBR, CRMS UNIT 9 Finacle relating to FX, TM, RM, CRM and DB 4. PAB627 TRADE FINANCE AND CASH MANAGEMENT SERVICES 3 CREDITS UNIT 1 Trade Finance Domestic Trade; Pre-sale finance overdraft, cash credit; Post sales documentary bills, clean bills UNIT 2 Types of facilities cheque purchase, bill purchase/discount, letter of credit and bill negotiation, Advances against bills in the course of collection, cash credit against book-debts/debtors Foreign Currency loans such as ECB, FCNR (B) loan, Trade Credit UNIT 3 Method Of International Trade Settlement Open Account, Clean Advance, Documentary credit & collection. Documentary credit Types of LC Parties, Mechanism with illustrations UNIT 4 Documents involved in International Trade Statutory Documents, Financial Documents, Transport Documents, Risk Bearing Documents

UNIT 5 International trade; Financing exports (short-term); Pre-shipment finance - export packing credit (EPC); Pre-shipment credit in foreign currency (PCFC) UNIT 6 Post-shipment finance; Purchase and discount of export bills; Advance against bills sent for collection; Negotiation of export bills (documents under letters of credit) - Advances against receivables from the government; Advances against undrawn balances UNIT 7 Financing of Imports Documents required, exchange control formalities, sanction of LC limits. Export factoring; Cross border factoring; Export bills discounting scheme (EBR scheme) UNIT 8 Trade Finance Regulation FEDAI, UCPDC, ICC rules for collection, DGFT, FEMA, RBI guidelines, Exposure Norms, Control Limits. UNIT 9 Sellers credit or suppliers credit; Buyers credit UNIT 10 Deferred payment exports; Turnkey projects UNIT 11 Technology finance; Forfaiting; Counter trade UNIT 12 Interest rates LIBOR/ MIBOR UNIT 13 Supply chain management -financial solutions; Dealer financing; Vendor financing (channel financing)/ (distributor financing); Invoice financing; Transport financing UNIT 14 Documents involved in International trade: Statutory Documents, Financial Documents, Transport Documents, Risk Bearing Documents. UNIT 15 INCOTERMS 5. PAB629 RECOVERY MANAGEMENT 2 CREDITS UNIT 1 IRAC Norms - Income Recognition and Identification of NPAs; P R Khanna Committee on asset classification -RBI guidelines on Renewal/Review of limits; Technical NPAs, Prudential guidelines on Restructuring of Advances by banks norms, agricultural advances, Asset Classification, Provisioning for Assets, . Interest not collected account, Advances under collection account, Partial write-off, unsecured exposures, UNIT 2 Stressed Assets Management - Quick mortality accounts, Special Mention Accounts (SMA), Monitoring of Standard assets, Review of SMA, Sub-standard, Doubtful and Loss assets; ASCROM, Different Recovery Methods -compromise settlements, One-Time Settlements (OTS), Lok Adalats, Debt Recovery Tribunals (DRT) Appellate Tribunal DRT Act, SARFAESI ACT 2002 & 2004. UNIT 3 Project finance- rescheduled loans, consortium advances; Govt. guaranteed accounts, Staff accounts, and advances to PAC/FSS, Wilful defaulters RBI guidelines.

UNIT 4 Securitization -Securitization process, Mechanism, Advantages, Participants in securitization, Generic Securitization Deal Diagram, Asset classes, Risk identification, Legal, taxation and regulatory considerations in securitization in India, Securitization worldwide, Evolution of Securitization in India, RBI guidelines, Impact of Basel II UNIT 5 Structured Finance - Elements of Structured Finance, Basic Concepts, Instruments and Techniques in Structured Finance, Structured Finance Instruments, Benefits of Structured Finance, Complexity of Structured Finance Instruments, Risk Transfer Instruments UNIT 6 Rehabilitation & restructuring of corporate debt CDR

6. PAB631 FINANCIAL PLANNING AND WEALTH MANAGEMENT 3 CREDITS UNIT 1 Financial Planning : Need for financial planning, definition and scope of financial planning. Important elements of financial planning; Components of financial planning; Financial planning process -the life cycle of investor in financial planning, financial planning goals UNIT 2 Investment Approach- Asset Allocation : Product suite across the risk-reward spectrum ;Risk return characteristics of asset classes ; An integrated approach to asset allocation ; Asset allocation and private banker, Asset allocation models ,changing asset allocation ; Portfolio revision and rebalancing; General Insurance, Life insurance and mutual fund products, commodity and derivative products UNIT 3 Types of Financial Planning Models, Development of Simulations Models, Conditions for the use of Models. UNIT 4 Risk Profiling: Investment planning, Investor profiling, Time horizon for an investor. UNIT 5 Tax implications-Equity market investments, mutual funds, other investments, insurance, real estate investments, investment avenues for claiming sec 80c benefits UNIT 6 Challenges faced by financial institutions in India; Regulatory bodies in India; Indian scenario & international regulatory bodies; Financial Actions Task Force. AML Norms UNIT 7 Ethics in Financial Planning UNIT 8 Bank specific products and services. UNIT 9 Wealth Management- Wealth management advisory services, Investment in Gold, Art, Real Estate, Equity, Debt, MF, overseas Investments and Structured Products

7. PAB633

TREASURY MANAGEMENT & FOREIGN EXCHANGE 4 CREDITS

UNIT 1 Introduction to Treasury; Banking & trading book; Treasury & its role in banks and in corporate, treasury management, responsibilities of a Treasurer, Domestic and international treasury, integration, structure, front, mid and back offices, RBI guidelines, arms - length policy, operations of treasury; dealing and settlement systems, CCIL Payment system, CBLO, NDS, CLS, Constituent SGL account (for transactions in G Secs and T Bills, Code of ethics for dealers UNIT 2 Treasury Products and services - Products & processes as specific to and provided by the bank including Remittance products (domestic and international), Commodity markets & products, Forex advisory services, Hedging products UNIT 3 Treasury Risk Management Treasury settlements, Internal Control accounting and control, MIS and reporting, control limits. UNIT 4 Asset Liability Management - duration and gap analysis, sensitivity analysis, ALCO, US GAAP relating to foreign operations, Multi Currency Balance Sheet UNIT 5 Management of Foreign Exchange with special reference to India: Meaning of the Term Foreign Exchange, Exchange Market, Statutory basis of Foreign Exchange, Evolution of Exchange Control, FEMA, Outline of Exchange Rate and Types, Import Export Overview. UNIT 6 Introduction to International Monetary Developments: Gold standard, Bretton Woods System, Fixed-Flexible Exchange Rate Systems, Parity Principles, Euro market. UNIT 7 Indias Forex Scenario: BOP crisis of 1991, LERMS, Convertibility, EXIM policy UNIT 8 International Trade, FII, FDI, WTO UNIT 9 Finance Function: Financial Institutions in International Trade. UNIT 10 Non-Resident Accounts: Repatriable and Non Repatriable, Significance for the Economy and Bank. UNIT 11 Introduction to Exchange Rate Mechanism: Forward Contracts, Spot- Forward Rate, Introduction to forex derivatives UNIT 12 Exchange Arithmetic. 8. UNIT 1 PAB635 DEVELOPMENT BANKING 3 CREDITS

Definition of Priority Sector - Latest guidelines of RBI for Priority Sector including micro service enterprises and transport operators, Mandated targets prescribed by RBI and Investment in RIDF, Scheme of RIDF. UNIT 2 Agricultural advances-salient aspects of agricultural lending-seasonality, adequacy and timeliness of agri. credit, different types of agri. advances-short term loans-crop loans, farm produce marketing loans, agri. term loans-development finance, equipment finance, processing finance, storage finance, transport finance, farm mechanization, special farming activities, plantation horticulture, activities allied to agriculture such as dairy, poultry, fisheries etc., definition of small marginal farmers, tenant farmers, share croppers, oral leases , agricultural marketing, APMCs UNIT 3 Agricultural cash credits: crop loans; Kisan Credit Card; crop production loans for seasonal, plantation crops. Assessment of credit requirement under KCC-production credit component investment credit component, farm produce marketing loans, personal loans etc. Gupta committee formats, documentation, creation of charge on agri land, types of documents, disbursement. Field visits- asset (end use) verification, pre-post sanction inspection, canvassing new business, conducting farmers meetings UNIT 4 Agri. term loans: Assessment of requirement, margin requirement, economic size, fixing of repayment, moratorium. Minor irrigation, pump-set, tractor loans, special farming activities, high tech agricultural advances, knowledge about agri. value chains, crop insurance scheme. Preparation of area specific schemes, use of Business facilitators, formation and use of farmers clubs for business development. Risk Management in Agriculture Lending - Weather Risk, Yield Risk, Market Risk, Natural calamities UNIT 5 Area approach-cluster approach, credit plans, PLP of NABARD, SAMIS, Lead Bank scheme, LDMs, RSETIs, FLCCs. UNIT 6 Advances to weaker sections, DRI, minority communities targets, refinance, Banks sponsored RRBs, various subventions from GOI, Natural calamities, restructuring of loans, concept of subsidy. UNIT 7 Contract farming projects, MFIs, Govt. sponsored schemes-SGSY, SJSRY, SRMS, and subsidy schemes of NABARD, SHGs /JLGs, Rural Godowns, Financing Gold Jewellary, Farmers Club, Kissan Credit Card, Agri clinics and Business Centres and other bank specific products. UNIT 8 Financial Inclusion, Govt. of India, RBI / Bank Guidelines UNIT 9 Introduction to Small and medium Enterprises (SME), MSMED Act 2006, Classification (Micro (mfg.), Small (mfg.), Micro (Service), Small (service); Investment criteria computation of investment in plant and machinery, Village and Cottage Industries, Produce Marketing Plan, UNIT 10 Documentation, Mortgage (Equitable), Follow up and Inspection of advances, Insurance. *****************

Das könnte Ihnen auch gefallen