(Established under the Presidency University Act, 2013 of the Karnataka Act 41 of 2013)

[2024-25 FALL/ODD SEMESTER]

COURSE HAND OUT/ COURSE PLAN [Revision July 2024]

SCHOOL: School of Management (SoM) DEPT: Management DATE OF ISSUE: 1 st August 2024

NAME OF THE PROGRAM: MBA (Banking & Finance) (MBF)

P.R.C. APPROVAL REF: PU/AC-21.17SOM14/MBA/2023-25

SEMESTER/YEAR: 3rd Semester, 2nd Year

COURSE TITLE & CODE: Commercial Banking – MBA3069

COURSE CREDIT STRUCTURE: 3-0-0-3

CONTACT HOURS: : 39 Sessions

COURSE IC : Mr. Debayan Kanty Bose
COURSE INSTRUCTORS : Mr. Debayan Kanty Bose and Dr. Hena. M
PROGRAM OUTCOMES:
PO 1: An ability to lead themselves and others to achieve organizational goals contributing
effectively to a team environment.
PO 2: An ability to integrate functional knowledge and apply managerial skills in changing
business environment.
PO 3: An ability to identify real life problems in different management functions and solve them
through strategic planning, critical thinking and innovation.
PO 4: An ability to identify and evaluate business ideas and opportunities.
PO 5: An ability to make data driven decisions and effectively communicate to different
stakeholders.
PO 6: An ability to evaluate and integrate ethical and societal considerations when making
business decisions.
PO 7: An ability to demonstrate commitment to continuous learning.

1
PROGRAM SPECIFIC OUTCOMES (PSOs)
Student must have an ability to:

PSO1: Understand the operational aspects of banking, including retail banking, corporate
banking, and treasury management, to manage and improve banking processes and customer
service
PSO2: Explore the role of technology in financial services, including the impact of FinTech
innovations on traditional banking and finance, and how to leverage these technologies for
competitive advantage
PSO3: Analyse financial statements and reports to assess the financial health of organizations
PSO4: Analyse corporate financial strategies, including capital structure, financing decisions,
and valuation techniques, to optimize business performance and shareholder value
PSO5: Uphold ethical standards and corporate governance practices in all financial dealings,
ensuring transparency, accountability, and trust in financial services.

Course Description:
Banking is an important element of the financial system. It is a means through which the
efficient deployment of capital takes place. The bread-and-butter business of a commercial
bank is to accept deposits and lend money, thereby the differential interest after costs as profit.
However, in today’s modern era, the scope of banking activities has moved far beyond
borrowing and lending.The reform measures implemented during the post- liberalization
phases of Indian economy heralded several epoch-making changes in the financial sector. This
resulted in the integration of various financial markets and institutions so that financial
institutions were made more resilient, competitive and customer friendly.
Banking being the wheel of financial system, this sector plays an important role in the growth
and progress of the economy. Understanding the nuances of banking, the operational
complexity and the long run sustainability is a prerequisite for the finance professionals today.
This course is presented from the perspective of both bank management and regulators in
order to provide an overview of the interrelated operations of a commercial banking
organization.
This course focuses on the evolution of banking, the organizational structure of banks, and how
banking and other financially related legislation and regulation have impacted the operation of
today’s financial companies. It also analyses the assets and liabilities of banks, the credit
appraisal and lending process for various types of borrowers, risk management strategies in
banking, the problem of NPA, micro-financing, technology in banking, retail banking, financial
inclusion, priority sector lending and other contemporary aspects would be discussed in the
program. It further talks about various financial techniques to measure a bank’s financial
performance and condition.

2
Course Outcomes:
After completing this course, students shall be able to:

TABLE 1: COURSE OUTCOMES

CO Number COURSE OUTCOMES Expected BLOOMS

LEVEL
CO1 Know the role and nature of services offered by
banks and the operational details of commercial bank Knowledge
functioning.
CO2 Use the tools used in interpreting and evaluating
performance, productivity and efficiency of the Application
banking organizations.
CO3 Able to dissect the product structure and social Application
imperatives in the Indian banking sector
CO4 Interpret the regulatory framework for banking Knowledge
system in India.

MAPPING OF C.O. WITH P.O. (TABLE -2)

[H-HIGH, M- MODERATE, L-LOW]

C.O.N0. P.O.0 P.O.02 P.O.0 P.O.04 P.O.0 P.O.06 P.O.07

1 3 5
1 M H M L
2 H H M L
3 M H H L
4 M H H L

COURSE CONTENT: (Table-3)

Module Unit Content Blooms Level
Selected
1 I. Analysis Understanding Banks as a financial (Knowledge)
of banking institution, the Global and Indian Banking
8 Sessions
systems- systems

3
 History of Banking- Meaning & Definition of
Bank- Evolution of Banking in the West-
Evolution of Banking in India- Indigenous
Bankers & Moneylenders-Cooperative Banking
Institutions- Regional Rural Banks-
Development Financial Institutions (DFIs)-
Classification of Banks: Central, Commercial,
Industrial, Development, Cooperative, Systems
of Banking- Branch Banking, Retail Banking,
Universal Banking, Investment Banking,
Corporate and Wholesale Banking, Offshore
Banking, Recent trends in banking- Digital
Banking and service innovations, Technological
Adoption, VR and Chatbots, FinTech solutions.
Impact of Artificial Intelligence (AI), Internet of
Things (IoT), Impact of Artificial Intelligence
(AI) and Blockchain on Banking.

2 II: Bank Commercial Banking in India- Definition of (Application)

performance Commercial Banks- Structure of Commercial
metrics & Banks- Functions of Commercial Banks- 12 Sessions
Understanding Central Banks- Definition of a
measuring
Central Bank- RBI as the Central Bank-
efficiency Functions of Central Banks- Other Apex FIs-
NABARD ,SIDBI, EXIM, Deposit and Lending
Products- Sources of Bank Funds- Bank
Liabilities- Deposits- Bank Deposits in India-
Definition of a Customer-Eligibility-General
Guidelines for opening deposit accounts- Types
of Account Holders- Legal Provisions, Bank
Lending- Basic Lending Principles- Liquidity,
Profitability, Credit Creation , Risk
Diversification, Bank’s Balance Sheet and Off-
Balance Sheet Items, Loans & Advances- Fund
Based, Non-Fund Based And Asset Based
Lending, Legal Aspects of Lending- Secured and
Unsecured Loans, Credit Rating and Loan
Approvals- Managing NPAs-Credit Risk
Transfers-ARCs.
3 III: Bank Capital- Understanding Capital Adequacy, (Application)
Operational Basel Accords (Basel I, II & III), recent
details of regulatory guidelines- Understsnding Negotiable 10 sessions
Instruments- Bank Remittances- Bank Clearing

4
 Banking Houses- Banking Legislation and Regulatory –
services Banking Ombudsman Scheme - Bank mergers
across the and banking sector consolidation- Recent
Banking Sector Reforms
spectrum
and
regulatory
guidelines
4 Modern Understanding Priority Sector, Rural and (Knowledge)
Banking and Agricultural Lending- Financial Inclusion and
Government initiatives- Understanding Anti
its social and
Money Laundering (AML), Overview of 9 Sessions
economic International Banking- Foreign Exchange and
impact, and Trade Finance-Trends in Global Banks-
trends in Sustainability in Banking
International
banking

DELIVERY PROCEDURE (PEDAGOGY):

The delivery of the course shall be a mixture of Lectures, Tutorials, Case and Assignments
Self-Learning Topics: Branch banking statistics & Interest rate Calculation
Participative Learning – Group presentation for the latest development in banking industry
(topics would be given to each group)
Technology Enabled Learning: Assignments (Students have to access online resources in PU
library and complete it), Podcast and Videos
TABLE 4: SPECIAL DELIVERY METHOD/PEDAGOGY PLANNED WITH TOPICS

Sl.No. Lecture Subtopic as per lesson plan Pedagogy title/short explanation of At the
Number adopted pedagogy end of
semester
please
update
whether
activity
was
done
1 Presentation The students will present
L6 Banking evolution different Banks giving insights in how they
have evolved over a period of time
2 Self-Learning- The students will present

5
 L13 Bank performace metrics and different types items banking deposit and
regulatory guidelines lending products, the credit risk
management and regulatory guidelines
3 Experiential Learning Study the
L20 Implications of recent Social implications of recent Social banking
banking initiatives initiatives and emerging issues like
financial inclusion, microfinance,
microcredit and government initiatives for
banking sector reforms
4 Participative Learning In class activity,
L29 Critical evaluation of Indian discussions and presentations on Critical
Bank Performances evaluation of much bank performances
pre& post covid.
5 L35 Technology Enabled Learning: Students
Evaluation of Pre and Post have to access online resources in PU
merger Bank consolidation library and complete the assignments.

REFERENCE MATERIALS:
Recommended Text Book:
T1. Suresh ,Padmalatha & Paul, Justin, (2022), Management of Banking & Financial
Servies, Fourth Edition, Pearson India
T2. Muraleedharan, D(2022) Modern Banking-Theory and Practice, Second Edition. PHI
Learning
Reference Books:
R1. Gomez, Clifford (2022), Banking & Finance, Theory, Law And Practice, PHI Learning
R2. C R Basu (2018), “Commercial Banking in the planned economy on India” Twenty
Sixth Edition, Mittal Publications, New Delhi

(Kindly note: Student should visit PU library and access the online resources for the same and
incorporate the assignment as well as attach the photo of log in and log out in person in the
end of the assignment file.)
Digital Articles:
 https://www.rbi.org.in/scripts/PublicationReportDetails.aspx?ID=251
 http://www.yourarticlelibrary.com/banking/important-methods-adapted-by-rbi-to-
control-credit-creation/23490
Case Studies:
The Impact of information technology in banking system (A case study in Bank Keshavarzi IRAN)
Videos

6
  Neo Banking –
Link: https://www.youtube.com/watch?v=9tRXp7-aB3U
 Customer service in Banking
Link: https://www.youtube.com/watch?v=FnSQuStARbc
Podcast:
 Spotify’s podcast:
Evolution of Banking: “https://open.spotify.com/episode/22qbq1yNOTysG7jV4rYWWo5?
si=LUgg-h9fSsukTUFRSgzVOA”
A Transformational approach to Banking, Technology & Sanctions screening
“https://open.spotify.com/episode/6lndmi0DTXRA4hqhrpaZUX?
si=TSWRM3CzQxSSdBNXI6rEkA”
GUIDELINES TO STUDENTS
Read the basic text book and reference text books prescribed thoroughly. (Kindly note: Student
should visit PU library and access the online resources for the same and incorporate the
assignment as well as attach the photo of log in and log out in person in the end of the
assignment file.)
Course Schedule:

TABLE 6: COURSE BROAD SCHEDULE

Sl. PLANNED PLANNED TOTAL No. OF
No. ACTIVITY STARTING CONCLUDING PERIODS
DATE DATE
01 Over View of the course 18-09-2024 18-09-2024 1
02 Module I 19-09-2024 1-10-2024 7
02 Module II 3-10-2024 31-10-2024 12
04 Module III 04-11-2024 2-12-2024 10
05 Module IV 03-12-2024 28-12-2024 9
Total 39

SCHEDULE OF INSTRUCTION: Table- 7

Ses Module Topics CO Delivery Mode Reference
sio
n
No
.
1 Overview of the Course
2 1: Analysis History of Banking- 1 Lecture and https://
of Banking Meaning & Discussion (PPT) open.spotify.com/
System Definition of Bank- episode/
Evolution of Banking 22qbq1yNOTysG7jV

7
 in the West- 4rYWWo5?si=LUgg-
Evolution of Banking h9fSsukTUFRSgzVOA
in India ”
3 Development 1 Lecture and
Financial Institutions Discussion (PPT)
(DFIs)-
4 Classification of 1 Lecture and
Banks: Central, Discussion (PPT)
Commercial,
Industrial,
Development,
Cooperative,
5 Systems of Banking- 1 Lecture and
Branch Banking, Discussion (PPT)
Retail Banking,
Universal Banking,
Investment Banking,
Corporate and
Wholesale Banking,
Offshore Banking,
6 Recent trends in 1 Lecture and
banking- Digital Discussion (PPT)
Banking and service
innovations,

7 Technological 1 Lecture and

Adoption, VR and Discussion (PPT)
Chatbots, FinTech
solutions. Impact of
Artificial Intelligence
(AI), Internet of
Things (IoT), Impact
of Artificial
Intelligence (AI) and
Blockchain on
Banking.
8 Technological 1 Lecture and
Adoption, VR and Discussion (PPT)
Chatbots, FinTech
solutions. Impact of
Artificial Intelligence
(AI), Internet of
Things (IoT), Impact

8
 of Artificial
Intelligence (AI) and
Blockchain on
Banking.
9 2. Bank Commercial Banking 2 Lecture and https://
performanc in India- Definition Discussion (PPT) www.rbi.org.in/
e metrics & of Commercial scripts/
measuring Banks- Structure of PublicationReportDe
efficiency Commercial Banks- tails.aspx?ID=251
10 Functions of 2 Lecture and
Commercial Banks- Discussion (PPT)
Understanding
Central Banks-
Definition of a
Central Bank- RBI
as the Central Bank-
Functions of Central
Banks
11 Other Apex FIs- 2 Lecture and
NABARD ,SIDBI, Discussion (PPT)
EXIM,
14 Deposit and Lending 2 Lecture and
Products- Sources of Discussion (PPT)
Bank Funds
15 Bank Liabilities- 2 Lecture and
Deposits- Bank Discussion (PPT)
Deposits in India-

16 Definition of a 2 Lecture and

Customer-Eligibility- Discussion (PPT)
General Guidelines
for opening deposit
accounts-
17 Types of Account 2 Lecture and
Holders- Discussion (PPT)
18 - Legal Provisions, 2 Lecture and
Bank Lending- Basic Discussion (PPT)
Lending Principles-
Liquidity,
Profitability, Credit
Creation , Risk
Diversification,
19 Bank’s Balance 2 Lecture and
Sheet and Off- Discussion (PPT)
Balance Sheet Items,

9
20 Loans & Advances- Lecture and
Fund Based, Non- Discussion (PPT)
Fund Based And
Asset Based
Lending,
21 Legal Aspects of 2 Lecture and
Lending- Secured Discussion (PPT)
and Unsecured
Loans,
22 Credit Rating and 2 Lecture and
Loan Approvals- Discussion (PPT)
Managing NPAs-
Credit Risk
Transfers-ARCs.
23 III: Bank Capital- 3 Lecture and https://
Operationa Understanding - - Discussion (PPT) open.spotify.com/
24 l details of Capital Adequacy, 3 Lecture and episode/
Banking Basel Accords Discussion (PPT) 6lndmi0DTXRA4hqhr
services (Basel I, II & III), paZUX?
25 across the Capital Adequacy, 3 Lecture and si=TSWRM3CzQxSSd
spectrum Basel Accords Discussion (PPT) BNXI6rEkA
and (Basel I, II & III),
26 regulatory Recent regulatory 3 Lecture and
guidelines guidelines Discussion (PPT)
27 Recent regulatory 3 Lecture and
guidelines Discussion (PPT)
28 Understanding 3 Lecture and
Negotiable Discussion (PPT)
Instruments-
29 Understanding 3 Lecture and
Negotiable Discussion (PPT)
Instruments-
30 Bank Remittances- 3 Lecture and
Bank Clearing Discussion (PPT)
Houses-
31 Banking Legislation 2 Lecture and
and Regulatory – Discussion (PPT)
Banking
Ombudsman Scheme
32 Bank mergers and 3 Lecture and
banking sector Discussion (PPT)
consolidation-
Recent Banking
Sector Reforms
33 IV. Modern Understanding 4 Lecture and

10
 Banking Priority Sector, Discussion (PPT)
and its Rural and
social and Agricultural
economic Lending-
34 impact, and Financial Inclusion 4 Lecture and
trends in and Government Discussion (PPT)
Internation initiatives-
35 al banking Financial Inclusion 4 Lecture and
and Government Discussion (PPT)
initiatives-
36 Understanding Anti 4 Lecture and
Money Laundering Discussion (PPT)
(AML),
37 Overview of 4 Lecture and
International Discussion (PPT)
Banking- Foreign
Exchange and Trade
Finance
38 Trends in Global 4 Lecture and
Banks- Discussion (PPT)
Sustainability in
Banking
39 Trends in Global 4 Lecture and
Banks- Discussion (PPT)
Sustainability in
Banking
40 Joining the Dots- 4 Lecture and
Closing Out Discussion (PPT)
41 Revision

ASSESSMENT SCHEDULE: Table 8

Sl. Assessment type Include Contents Course Durati M weig Ve
no here assessment method outcome on ark htag nu
for self-learning s e e,
Number In
component also] DA
Hours

11
 TE
&TI
ME
1 Mid Term Module I , II 1, 2 1.5 50 25% TB
Hours A
2 Individual Written Module II 2 Take 20 10% TB
Assignment (Review of home A
https://
digital/e-resources from
www.rbi.org
presidency university-link
.in/scripts/
given in reference section
PublicationR
To write a report on RBI eportDetails.
recommendation aspx?ID=251

3 Group Assignment and Module IV 4 Partici 20 10% TB

Presentation (Participative pative A
Learning) Learni
ng
Identify the latest
development in Banking
industry & group
presentation (Different
topic to each group LIKE-
Technology & Customer
Experience Enrichment /
Management, Introduction
to Business / Functional
Architecture, Front-office,
mid-office, Neo Banking,
Privacy, Security &
Confidentiality, Operational
Risks / Mitigation /
management, customer
preference management
4 End Term All All 3 HRS 10 50% TB
0 A

COURSE CLEARANCE CRITERIA:

https://presidencyuniversity.in/academic-regulations/

12
Makeup Policy:
As per Academic Regulations of the University.
CONTACT TIMINGS IN THE CHAMBER FOR ANY DISCUSSIONS:
The students may meet Course instructor in charge or any of instructors when they have free
periods from 9 AM to 4PM, or on working Saturdays.
SAMPLE THOUGHT PROVOKING QUESTIONS: table-9
QUESTION MARKS COURSE BLOOM’S
SL OUTCOME LEVEL
NO NO.
1 What are the areas where RBI 15 1 Comprehension
observes strict control over
functioning of Banks
2 What are the problems faced by 15 2 Comprehension
commercial banks in India due to NPA?
3 Mergers & acquisition of Banks 15 4 Application
4 Role & functions of Indian bank in 15 5 Application
Emerging economy like India

Target Set for Course Outcome Attainment: Table-10

TABLE 8: TARGET SET FOR ATTAINMENT OF EACH CO and ATTAINMENT ANALYSIS AFTER
RESULTS

Threshold Target set for Actual C.O. Remarks on

Sl.no C.O. Course Outcomes Set for attainment in Attainment attainment
No. the CO percentage In Percentage &Measures to
enhance the
attainment

01 CO 1 Know the role and nature 50% 60 %

of services offered by banks
and the operational details
of commercial bank
functioning.
02 CO 2 Use the tools used in 50% 60 %
interpreting and evaluating
performance, productivity
and efficiency of the

13
 banking organizations.

03 CO 3 dissect the product structure 50% 60 %

and social imperatives in
the Indian banking sector
04 CO 4 Keep abreast of the 50% 60 %
regulatory framework for
banking system in India

Signature of the course Instructor

Prepared By: Mr. Debayan Kanty Bose

This course has been duly verified Approved by the D.A.C.

Signature of the Chairperson D.A.C.

14