GUJARAT TECHNOLOGICAL UNIVERSITY

With effective
Syllabus for Master of Business Administration, 4th Semester from academic
Subject Class: Sectoral Elective year 2018-19
Subject Name: Banking
Subject Code: 4549292

1. Learning Outcomes:
Learning Outcome Component Learning Outcome (Learner will be able to)
Business Environment and Domain  Evaluate the role of banking, use of internet banking
Knowledge (BEDK) and mobile banking in an emerging economy.
 Analyse the mechanism of digital financial services
and its importance in business.
Critical thinking, Business  Evaluate problems of non-performing businesses
Analysis, Problem Solving and and suggest measures of recovery of loans.
Innovative Solutions (CBPI)
Global Exposure and Cross-  Compare the Indian banking standards with other
Cultural Understanding (GECCU) countries.
Social Responsiveness and Ethics  Categorize do’s and don’ts of digital financial
(SRE) services for safety and security of funds.
Effective Communication (EC)  Develop written and verbal client-focused
communication styles and strategies.
Leadership and Teamwork (LT)  Prepare accurate and relevant financial plans
manually and electronically.

2. Course Duration: The course duration is of 40 sessions of 60 minutes each.

3. Course Contents:
70 Marks
Module No. of
Contents (External
No: Sessions
Evaluation)
Retail Banking, Wholesale Banking, International
Banking and Internet Banking:
 Retail Banking:
o Concept of retail banking, retail products and
services, drivers of retail business in India,
Opportunities of retail banking in India.
Wholesale Banking:
o Concept of wholesale banking, products and
services.
International Banking:
 Introduction, Needs of Exporters and importers,
I Remittance services. ADR & GDR, Participatory 10 18
Notes. Internet Banking: Need, Advantages, Security,
Difference between Corporate & Retail Internet
Banking.
Banker Customer Relationship:
 Debtor – Creditor relationship, Bank as a trustee,
bailee-bailor, agent-principal, lessor-lessee. Anti-
Money Laundering: Concept, Stages, Objectives.
Know-Your Customer: key elements, KYC
Verification for individuals, companies, partnership
firms, trusts and foundations.
 Deposit Products and Services:

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 GUJARAT TECHNOLOGICAL UNIVERSITY
With effective
Syllabus for Master of Business Administration, 4th Semester from academic
Subject Class: Sectoral Elective year 2018-19
Subject Name: Banking
Subject Code: 4549292

o Demand deposits & time deposits, features,

merchant banking, lease financing, plastic
money (debit card and credit card), ATM card.
Loans and Advances – I:
 Principles of Sound Lending – Study of the Borrower-
Types of Borrowers: Individual, Firms, Companies,
Types of Advances – Loan, Cash Credit, Overdraft,
Term Loans, Bills Purchasing and Discounting –
Secured and Un-Secured Advances – Types of charging
Securities – Pledge, Hypothecation, Mortgage, Lien,
Set-Off and Assignment.
II 10 18
Loans and Advances – II:
 Credit Card: Benefits & Disadvantages, Guidelines on
Credit Card Operations. Home Loans: Procedure &
Documentation. Personal Loans: Procedure and
Important Aspects. Consumer Loans.

Social Banking:
 Microfinance – Products & Services, Delivery
Mechanism – Self Help Groups (SHGs) in India.
Recovery of Advances:
 Methods –Classification of assets as Standard, Non-
Performing Assets, Doubtful debts – Causes and
III Remedial Measures – Management of NPA’s – Debt 10 17
Recovery Tribunals – Lok Adalats. Major Provisions of
Insolvency & Bankruptcy Code in India (with special
reference to NPA).
Payment & Settlement System – New Age Clearing:
 Electronic Funds Transfer (EFT):
o Scope, Benefits & Charges. Electronic Clearing
Service (ECS)
o Credit Transfer and Debit, Charges.
o Electronic Core Banking Solutions: Concept &
Benefits.
o Cheque Truncation: Concept & Benefits
IV 10 17
Payment & Settlement System – National Gateways
Real Time Gross Settlement (RTGS):Concept, RTGS Vs
EFT or NEFT, Processing Charges, Impact.

Digital Financial Services:

Unified Payments Interface (UPI): Concept, Mechanism &
Services Covered.
Digital Wallets (E-Wallets): Features, Benefits and Types.

 Presentations on Digital Financial Services and (30 marks

V ---
FinTech products. CEC)

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 GUJARAT TECHNOLOGICAL UNIVERSITY
With effective
Syllabus for Master of Business Administration, 4th Semester from academic
Subject Class: Sectoral Elective year 2018-19
Subject Name: Banking
Subject Code: 4549292

 Case studies on Business Failures resulting in Non-

Performing Assets and Loan Defaults.
 Live Projects on Creating Awareness of Digital
Products (Digital Literacy) in Rural and Semi-Urban
Areas.
 Orientation of banking functions with software
application.

4. Pedagogy:
 ICT enabled Classroom teaching
 Case study
 Practical / live assignment
 Interactive class room discussions

5. Evaluation:
Students shall be evaluated on the following components:
Internal Evaluation (Internal Assessment- 50 Marks)
A  Continuous Evaluation Component 30 marks
 Class Presence & Participation 10 marks
 Quiz 10 marks
B Mid-Semester examination (Internal Assessment-30 Marks)
C End –Semester Examination (External Assessment-70 Marks)

6. Reference Books:
No. Author/Organization Name of the Book Publisher Year of
Publication /
Edition
Introduction to
1 Vijayaragavan Iyengar Excel 2007
Banking
Indian Institute of Banking Principles and
2 MACMILLAN 2015
& Finance (IIBF) Practices of Banking
K C Shekhar & Lekshmy Banking Theory & Vikas
3 2013
Shekhar Practice Publishing
Naboshree Bhattacharya & Banking Law & Vikas
4 2015
Sandeep Kaur Operations Publishing
Modern Banking:
5 R Muraleedharan PHI 2014
Theory & Practice
Note: Wherever the standard books are not available for the topic appropriate print and online
resources, journals and books published by different authors may be prescribed.

7. List of Journals / Periodicals / Magazines / Newspapers / Web resources, etc.

• Journal of Banking & Finance
• International Journal of Banking, Accounting & Finance

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