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BANKING AND FINANCE SYLLABUS

Mission Statement
The mission statement of the Business and Information Technology department
serves a two-fold purpose: preparing students to enter the world of work and
supplying personal and business/office skills to function in today’s world as a
well-informed and productive citizen.

Philosophy

The Business and Information Technology department provides students with the
knowledge, skills, and attitudes needed to be successful in a chosen business-
related occupational area and to be able to function in today’s world.

COURSE DESCRIPTION:

Using project-based instruction, students are introduced to the basics of the banking
system; bank operating procedures, negotiable instruments, and the deposit and credit
functions of banks. Methods used for measuring the financial performance of banks are
analyzed. Specialized brokerage products, current issues, and future trends in banking are
examined. Students explore the major functions of bank employees by completing a
flow-of-work simulation. Business partnerships with community banks, guest speakers,
field trips, and work-based learning activities can be incorporated in this course.
Using project-based instruction, students are introduced to the foundations of finance and
the role finance, credit, savings, investments, and estate planning play in business.
Various technological tools will be used to assist in modeling financial decisions.
Business partnerships with financial service institutions, guest speakers, field trips, and
work-based learning activities can be incorporated in this course.

MATERIALS USED:

Managing Your Personal Finances, 3rd Edition, by Joan S. Ryan, South-Western


Publishing Co. Student Activity Guide.

Internet for Research

Microsoft Office for reports and spreadsheets


Banking and Finance Syllabus

Course Outline:

First Nine Weeks

BASICS OF THE BANKING SYSTEM


35. Examine the history of banking
36. Evaluate the weaknesses of the early banking system
37. Analyze the reasons for the creation of the Federal Reserve System
38. Examine the various types of financial and nonfinancial institutions
39. Examine the role of credit unions in the business environment
40. Describe the role of the FDIC and the events that led to its creation
41. Examine state and federal laws that impact the banking industry
BANK OPERATING PROCEDURES
42. Communicate using banking terminology
43. Examine the major functions of bank employees
CREDIT FUNCTION OF BANKS
44. Contrast the features of various types of deposit accounts
45. Evaluate examples of negotiable instruments
46. Analyze the effect of float from the perspective of the consumer and of the bank

MEASUREMENT OF FINANCIAL PERFORMANCE OF BANKS


47. Investigate the uses of credit in the business world
48. Examine the consumer protection regulations
49. Examine the six “Cs” of credit and explain their application to lending policies and interest rates

50. Analyze a credit application


51. Compare and contrast different types of loans
52. Calculate interest rate spread of a bank

SPECIALIZED PRODUCTS, CURRENT ISSUES, AND FUTURE


TRENDS IN BANKING
53. Interpret the basic reports that reflect financial data in banking
54. Compare the primary performance ratios of banks
55. Evaluate specialized products offered by banks
56. Research current technologies and the impact they have had on banking
57. Describe the trustee function of a bank
58. Anticipate the possible effects of future technology and the risks involved with
implementing new technology in banking
Banking and Finance Syllabus

Second Nine Weeks

FOUNDATIONS OF FINANCE
35. Evaluate factors that influence income
36. Determine the financial resources needed to satisfy values and goals for a given time period

37. Evaluate the use of a financial plan in reaching goals


38. Examine the importance of reevaluating financial plans as income and financial needs change
throughout the life cycle
39. Explain the role of consumer reporting agencies
40. Determine factors that influence credit scores
41. Describe wise uses of credit
42. Analyze the Fair Credit Reporting Act and its effect on credit reporting
BUSINESS FINANCE
43. Describe how accounting, economics, and finance are related
44. Compare the advantages and disadvantages of the three forms of business ownership
45. Examine the financial needs of various types of businesses
46. Explore the financial needs of a business at the different stages of its development
47. Examine the impact of economic cycles on the financial needs of business
48. Analyze social and ethical responsibilities of businesses
49. Analyze the consequences of making economic choices
50. Describe the function of money as an accepted medium of exchange, a standard of value, and a store
of value
51. Describe functions of the US Treasury Department
52. Investigate foreign exchange rates and the effect of the global economy on US financial markets

53. Evaluate the impact of local, state, and federal taxes on financial decisions
BUSINESS CREDIT
54. Research and compare various sources of credit
55. Analyze the appropriate use of credit
56. Investigate credit ratings and describe their importance
57. Evaluate the true cost of credit for various purchases

58. Perform calculations using the simple interest equation, I=PRT


59. Calculate bank discount and proceeds on a discounted note
60. Calculate the outstanding amount for installment purchases and the effects of early payoff
61. Calculate finance/additional charges, periodic payment, total cost, and installment contract
62. Apply various technological tools to assist in modeling credit decisions
SAVINGS AND INVESTMENTS
63. Determine the benefits of various financial institutions
64. Analyze savings and investment and define investment risk
65. Investigate the concept of tradeoff between risk and return
66. Compare major types of investment alternatives
67. Examine the benefits of diversification
ESTATE PLANNING
68. Assess the legal aspects of estate planning
69. Appraise various trusts and estates
70. Evaluate the effects of federal and state taxes on estate planning
71. Examine the laws governing the management and disposition of an estate

CAREER OPPORTUNITIES RELATED TO THE COURSE:

The banking and finance course will offer insight into many tracks. Listed below are just a few career
tracks that will be researched.

corporate finance commercial banking


insurance investment banking
money management real estate
venture capital accounting

INSTRUCTIONAL METHODOLOGIES/STRATEGIES:
Lecture, speakers, group work, extensive internet research, vocabulary tests, class discussion, student
assistance, teacher supervision and guidance, mathematically challenges, computer-assisted instruction and
up-to-date word processing, database, spreadsheet and presentation software.

GRADING SCALE BREAKDOWN:

A – 90-100 All work completed correctly and on time.

B – 80-89 At least 80 to 89 percent of the work completed correctly and on time.

C – 73-79 At least 73 to 79 percent of the work completed correctly and on time.

F – 0-69 If you are absent more than seven days and do not get waived by the hardship
committee or you do not complete the required work on time and in a
professionally accepted manner, you will not receive a passing grade for the
course.

Grades will be calculated as follows: Class work and Journal writing will count as 50%, Lesson test will
count as 20%, 9 weeks exam will count 20%, and Work Ethics will count 10%.