pgdbf syllabus

7/30/2019 PGDBF Syllabus

1/18

Detailed syllabus of the Post Graduate Diploma in Banking and Finance

Detailed syllabus is appended below:

TERM 1

1. PAB601 MANAGERIAL COMMUNICATION - I 2 CREDITSUNIT 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 effectivecommunication, 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 6Common errors committed while writing, Active and Passive Voice

UNIT 7

Writing for effect, the Effect of Words

UNIT 8Introduction 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


2/18

2. PAB603 BEHAVIOURAL PROGRAM - I 2 CREDITSUNIT 1

Foundations of individual behavior; Personality, shaping of personally, determinants ofpersonality

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 ofLearning, Reward and Punishment, Organizational Reward Systems

UNIT 3

Attitude formation, functions, change of attitudes, values, types of attitudes

UNIT 4Emotional 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 5Customer 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 ofcustomers and best practices to handle them

UNIT7

Customer Satisfaction -Importance of Customer Satisfaction, Understanding Customersatisfaction drivers, Methods to measure customer satisfaction

UNIT 8

Customer Value Management - Understanding the difference between customer value andcustomer satisfaction, Customer perception - comparison between quality and satisfaction,

Understanding customer expectations and customer satisfaction, dimensions of service quality,

Dimensions of service encounters and satisfaction


3/18

3. PAB605 IT IN BANKING & FINACLE1 (Deposits and Remittances)2 CREDITS

UNIT 1

Computer basics: covering basics of hardware, system software, application software, Databaseetc.

UNIT 2IT 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 4FinacleGeneral (architecture, platform, menu system etc.), Finacle functional training

UNIT 5Finacle 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 7ATM 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 8Finacle 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.


4/18

4. PAB607 MANAGERIAL ECONOMICS 3 CREDITSUNIT I

Introduction to Economics; Demand and Supply Analysis: Analysis of Demand, estimation of

demand; Elasticity of Demand, Techniques and Importance of Demand forecasting

UNIT 2Production & Cost Analysis: Production & Production Function: Concept, Forms of productionfunction, 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 / GNPdetermination of income and employment; savings and investment;Concept of multiplier; inflation and unemployment- types, causes and control.

UNIT 6Fiscal and Monetary Policy: objectives and Instruments; Effectiveness of Monetary and Fiscal

Policy with respect to Indian Economy.

UNIT 7Money Supply and Interest Rates, interest rates and inflation

UNIT 8External 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 2 CREDITSBUSINESS MATHEMATICS

UNIT 1

Interest rates - Simple and compound; Rates of interestnominal, 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 andaccumulated values of these annuities; discount rate, IRR, Applications to Investment decisions.


5/18

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 otherpartition 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 7Elementary Concepts of Probability and estimation, Correlation analysis, Co-efficient of

correlation: calculation and properties

6. PAB611 ACCOUNTING AND FINANCIAL MANAGEMENT 3 CREDITSUNIT 1

Nature and purpose of accounting; Historical perspectivesAccounting principles, concepts,

conventions, relevant accounting standards, Revenue recognition and realizationaccrual andcash basis, Accounting equation & Financial Statements.

UNIT 2Double 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 bankingcompanies) 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 StatementsRatio Analysis (including banks). Basic elements of Cashflow and funds flow statements.
http://www.indiastudychannel.com/resources/57080-BUSINESS-MATHEMATICS-AND-STATISTICS-part-A-part-B.aspxhttp://www.indiastudychannel.com/resources/57080-BUSINESS-MATHEMATICS-AND-STATISTICS-part-A-part-B.aspxhttp://www.indiastudychannel.com/resources/57080-BUSINESS-MATHEMATICS-AND-STATISTICS-part-A-part-B.aspxhttp://www.indiastudychannel.com/resources/57080-BUSINESS-MATHEMATICS-AND-STATISTICS-part-A-part-B.aspx


6/18

UNIT 7

Cost of CapitalCost 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 ofcapital.

UNIT 8Concept of EVA, EVA Analysis, Methods of calculating EVA- Residual Income Method andRefined Earnings Method.

7. PAB613 INTRODUCTION TO BANKING, DEPOSITS & REMITTANCES3 CREDITS

UNIT 1

Moneydefinition, evolution; Bankingevolution, financial intermediation; definition of banking

business of trust and fiduciary responsibility; Spread of banking, branch penetration, social banking;

Overview of bankingcentral bank and types of banks, commercial banks - traditional services;

Retail/Wholesale/International/Agriculture/SME/Other services; credit/debit /pre-paid cards

UNIT 2

Banking channelsBranch banking, ATM, Internet, Mobile, Phone, outsourcing

UNIT 3

Customer- banker customer relationship, rights and obligations, types of customers;

UNIT 4

Regulations of RBIKYC/AML, customer education and financial inclusion

UNIT 5

Banking Services and productsAsset products, Liability products ( different types of current account,

savings account and term deposits),

UNIT 6Funds transfer; the need for funds transfer -Movement of funds, non-banking channels

Methods of funds transfer, Security measures,

UNIT 7

Instruments of funds transferCheques, Demand Drafts, Payment Orders and BankersCheques

UNIT 8Procedure for encashment of draft/TT, Validity of Instruments, Loss of DD, Cancellation of

DDs, Revalidation, issue of duplicates, payment through cheques


7/18

UNIT 9

Electronic funds transfer such as RTGS, NEFT, SWIFT, mobile banking, internet banking,Point of sale payments, card payments.

UNIT 10Clearing - MICR / Non MICR, ECS, NECS, Cheque truncation, Collection and purchase ofcheques and bills

UNIT 11Inter- bank payment & settlements Act-2008, SIPS( )IAS(integrated accounting system)

UNIT 12

Cash handling procedure at branches/currency chests - Clean note policy, dealing withcounterfeit 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 theoriesClassical, Modern and Current developments in management.

UNIT 4

Human Resource Management: Meaning, objectives, scope and functions, Emergence of HumanResource Management as people management; concept of learning organization and knowledge

management.

UNIT 5

Human Resource Planning and development: training and development, succession planning

UNIT 6Performance management and appraisal- Appraisal systems such as Balance scorecard, career

planning and management, promotion, incentives and transfers


8/18

TERM 2

1. PAB602 MANAGERIAL COMMUNICATION - II 2 CREDITSUNIT 1Business 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 CREDITSUNIT 1

Team Building and group dynamics, working teams and team effectiveness, Intra teamdynamics, 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, TransactionalAnalysis, 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 4Stress Management

UNIT 5Negotiation Skills


9/18

3. PAB 606 FINACLE - 2 (Lending ,Recovery, Allied Services, & RetailBanking) 1 CREDIT

UNIT 1

Finacle module relating to loan accounts, Account Opening / Modification / Closing.

UNIT 2Managing Disbursements, Recovery in the Loan account, Changing Interest Rate / Interest

Table.

UNIT 3

Managing Review Date updating / Limit, History Modification, Security Attachment, Re-

schedulement.

UNIT 4

Handling of Subsidy accounts

UNIT 5

Managing CC / OD AccountsLimit, 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 CREDITSUNIT 1

Reserve Bank of India Act 1934, Banking Regulation Act 1949.

UNIT 2Negotiable 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 anindependent 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 Actprovisions relating to the


10/18

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 4Transfer of Property Act, Contract Act with special reference to Guarantee/Indemnity, Pledge,

Lien etc., Lenders Liability Act, Law of limitation.

UNIT 5Right to Information ActUNIT 6

Civil Procedures Code, Criminal Procedure Code, Prevention of Corruption Act

UNIT 7Income 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 borrowersindividual, proprietary,partnership, companies, Trusts.

UNIT 2

Advances to large industriesgeneral principles, exposure norms, credit reporting system, creditdelivery system, multiple/consortium/syndication mode; Concept of MPBF (Tandon Committee)

Chore Committee, Kannan Committee[Credit Monitoring Arrangement (CMA)], Financial

Follow up Reports.

UNIT 3Ratio Analysis, Funds Flow and Cash Flow Analysis

UNIT 4

Projected Balance Sheet Method- Determining Operating Cycle and Working CapitalRequirements, Profitability, Inventory and receivable norms, Credit Delivery System (Jilani

Committee), Projected Turn-over method, Flexible approach to Current Ratio, CMA

UNIT 4Cash Budget Method of Lending

UNIT 5

DocumentationCharge creation, search, filing, modification, satisfaction, floating/fixed, Pari

passuUNIT 6

Bridge Finance, Bills Finance, LC and Bank Guarantees - financial, performance, deferred

payment, RBI guidelines on LCs/Guarantees, Letter of Comfort.

UNIT 7Credit Risk Assessment- borrower/facility rating; internal/external; hurdle/default rate; risk

assessment for new borrowers, CIBIL

UNIT 8Term Loan, Project Finance, infrastructure lending


11/18

UNIT 9

Financing of Trade and Services sector

UNIT 10Fair 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 2Introduction 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 5Other 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 orequity.

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 CREDITSUNIT 1

Definition and concepts - advantage/disadvantages, opportunities, challenges; Liability

products/remittance products of the BankUNIT 2

Strategies for increasing retail banking businessProduct 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 followup, skilled human resource, technologicalsupportUNIT 4

Issues in Retail Credit - knowing the customer, technological issues, organizational setup,

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


12/18

UNIT 6

Loan against Future Rent Receivables; Mortgage Loan; Reverse Mortgage Loan

UNIT 7Advances against Securities, Loan for financing Individuals for subscription to Public Issues

/IPO

UNIT 8Education Loan/ Career Development LoanUNIT 9

Auto Loans: Two Wheeler Loan,Four wheeler Loan

UNIT 10Loan to Professionals like Doctors, Chartered accountants and other Personal Loans etc.

UNIT 11

Traders Loan, Advances against Gold Ornaments /Jewellery

UNIT12Retail loan processing mechanism and issues

8. PAB616 FINANCIAL ANALYTICS 3 CREDITS

UNIT 1Introduction: Concepts of investment- Financial and non-financial forms of investment

Objectives of financial investment, investment methodsSecurity and non-security forms of

investmentSources of investment information- Investment Instruments

UNIT 2Financial markets: Money Markets, Foreign Exchange Markets, Capital Markets - primary and

secondary marketsmajor players and instruments in secondary market - Functioning of stock

exchanges, trading and settlement procedures at NSE & BSE... Stock markets guidelines onprimary & 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, determinationof yield curves, valuation of equity and preference shares

UNIT 4

Analysis of risk & return: concept of total risk, factors contributing to total risk, systematic andunsystematic 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 andbeliefs 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 portfoliosimplediversification, Markowitz diversification model, selecting an optimal portfolioSharpe single

index model, Determination of corner portfolio, Process of portfolio management.

UNIT7Introduction to derivatives: Futures, options, forwards and swaps, introduction to interest rate

swaps, Valuation of futures and options, Hedging using Futures and options.


13/18

TERM 3

1. SALES AND RELATIONSHIP MANAGEMENT 3 CREDITSUNIT 1

Products and services - life cycleUNIT 2Financial selling, sales process, sales management, personal selling, prospecting, demand funnel,

ethics in selling

UNIT 3Cross sellingmutual 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 salespromotion, Events and Public Relations

UNIT 6

Direct Marketing, Online marketing Challenges, Network marketing, Implications of Global

marketing, (country of origin effects, marketing Organization), benchmarkingUNIT 7

Rural market environment, Problems of Rural Marketing, Scope, Rural Marketing Strategies

UNIT 8Relationship 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 CREDITSUNIT 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 riskmanagement 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 atdefault, 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 3Credit Analytics: Credit worthiness and assessment; Detailed analysis of five Cs, Securities-

valuation and margin, Credit scoring models

Credit risk managing tools such as VaR, Credit derivatives, CDS, CDOs, cross-border credit

risks

UNIT 4


14/18

Interbank payment risks, settlement risks, Herstatt risk

UNIT 5

Operational Risk - Maker checker system, preventive vigilance, Inspection audit, Businesscontinuity plan, RCSA/ KRI

UNIT 6

Role of credit ratings, different approaches for risk rating.UNIT 7Retail Credit- credit rating models

3. PAB 625 FINACLE3 (CBS Software- CRM,TF,FP TM,FX,DB)UNIT 1

Trade Finance - Finacle modules related to: Foreign Currency Deposit Accounts,

UNIT 2

Letters of creditInland and foreign, GuaranteesInland and foreign,UNIT 3

Foreign Inward Remittances, Foreign Outward Remittances,UNIT 4Forward contracts,

UNIT 5

ImportsFIBC/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 ReturnsR Returns, NRDCSR, IBSBR, CRMS

UNIT 9Finacle relating to FX, TM, RM, CRM and DB

4. PAB627 TRADE FINANCE AND CASH MANAGEMENT SERVICES3 CREDITS

UNIT 1

Trade FinanceDomestic Trade; Pre-sale financeoverdraft, cash credit; Postsalesdocumentary bills, clean bills

UNIT 2

Types of facilitiescheque purchase, bill purchase/discount, letter of credit and bill negotiation,

Advances against bills in the course of collection, cash credit against book-debts/debtorsForeign Currency loans such as ECB, FCNR (B) loan, Trade Credit

UNIT 3Method Of International Trade SettlementOpen Account, Clean Advance, Documentary credit

& collection. Documentary creditTypes of LCParties, Mechanism with illustrations

UNIT 4

Documents involved in International TradeStatutory Documents, Financial Documents,Transport Documents, Risk Bearing Documents


15/18

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 againstreceivables from the government; Advances against undrawn balancesUNIT 7

Financing of ImportsDocuments required, exchange control formalities, sanction of LC limits.

Export factoring; Cross border factoring; Export bills discounting scheme (EBR scheme)UNIT 8

Trade Finance RegulationFEDAI, UCPDC, ICC rules for collection, DGFT, FEMA, RBI

guidelines, Exposure Norms, Control Limits.

UNIT 9Sellers credit or suppliers credit; Buyers credit

UNIT 10

Deferred payment exports; Turnkey projectsUNIT 11

Technology finance; Forfaiting; Counter trade

UNIT 12

Interest rates LIBOR/ MIBORUNIT 13

Supply chain management -financial solutions; Dealer financing; Vendor financing (channel

financing)/ (distributor financing); Invoice financing; Transport financingUNIT 14

Documents involved in International trade: Statutory Documents, Financial Documents,

Transport Documents, Risk Bearing Documents.

UNIT 15INCOTERMS

5. PAB629 RECOVERY MANAGEMENT 2 CREDITSUNIT 1IRAC Norms - Income Recognition and Identification of NPAs; P R Khanna Committee on

asset classification -RBI guidelines on Renewal/Review of limits; Technical NPAs, Prudentialguidelines on Restructuring of Advances by banksnorms, 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 TribunalDRT Act,SARFAESI ACT 2002 & 2004.

UNIT 3

Project finance- rescheduled loans, consortium advances; Govt. guaranteed accounts, Staffaccounts, and advances to PAC/FSS, Wilful defaultersRBI guidelines.


16/18

UNIT 4

Securitization -Securitization process, Mechanism, Advantages, Participants in securitization,

Generic Securitization Deal Diagram, Asset classes, Risk identification, Legal, taxation andregulatory considerations in securitization in India, Securitization worldwide, Evolution of

Securitization in India, RBI guidelines, Impact of Basel II

UNIT 5Structured Finance - Elements of Structured Finance, Basic Concepts, Instruments andTechniques in Structured Finance, Structured Finance Instruments, Benefits of Structured

Finance, Complexity of Structured Finance Instruments, Risk Transfer Instruments

UNIT 6Rehabilitation & restructuring of corporate debtCDR

6. PAB631 FINANCIAL PLANNING AND WEALTH MANAGEMENT3 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 ;Riskreturn 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 5Tax implications-Equity market investments, mutual funds, other investments, insurance, real

estate investments, investment avenues for claiming sec 80c benefitsUNIT 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 8Bank specific products and services.

UNIT 9

Wealth Management- Wealth management advisory services, Investment in Gold, Art, RealEstate, Equity, Debt, MF, overseas Investments and Structured Products


17/18

7. PAB633 TREASURY MANAGEMENT & FOREIGN EXCHANGE 4 CREDITSUNIT 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 2Treasury 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 productsUNIT 3

Treasury Risk Management Treasury settlements, Internal Control accounting and control,

MIS and reporting, control limits.

UNIT 4Asset Liability Management - duration and gap analysis, sensitivity analysis, ALCO, US GAAP

relating to foreign operations, Multi Currency Balance Sheet

UNIT 5Management 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 6Introduction to International Monetary Developments: Gold standard, Bretton Woods System,

Fixed-Flexible Exchange Rate Systems, Parity Principles, Euro market.

UNIT 7Indias Forex Scenario: BOP crisis of 1991, LERMS, Convertibility, EXIM policy

UNIT 8

International Trade, FII, FDI, WTOUNIT 9

Finance Function: Financial Institutions in International Trade.

UNIT 10

Non-Resident Accounts: Repatriable and Non Repatriable, Significance for the Economy andBank.

UNIT 11

Introduction to Exchange Rate Mechanism: Forward Contracts, Spot- Forward Rate, Introductionto forex derivativesUNIT 12

Exchange Arithmetic.

8. PAB635 DEVELOPMENT BANKING 3 CREDITSUNIT 1


18/18

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, farmproduce marketing loans, agri. term loans-development finance, equipment finance, processingfinance, 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 , agriculturalmarketing, 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 componentinvestment 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, canvassingnew 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, hightech 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 ofsubsidy.

UNIT 7

Contract farming projects, MFIs, Govt. sponsored schemes-SGSY, SJSRY, SRMS, and subsidyschemes 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 GuidelinesUNIT 9

Introduction to Small and medium Enterprises (SME), MSMED Act 2006, Classification -

(Micro (mfg.), Small (mfg.), Micro (Service), Small (service); Investment criteriacomputation

of investment in plant and machinery, Village and Cottage Industries, Produce Marketing Plan,UNIT 10

Documentation, Mortgage (Equitable), Followup and Inspection of advances, Insurance.

*****************