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Banking Insurance

This document outlines the curriculum for a course on Banking and Insurance. The course is divided into 6 units that cover topics such as the history and basics of banking, types of banking products and services, lending processes, risk management, the basics of insurance and assessing insurable risk, the insurance business, and the regulatory framework for insurance. Relevant case studies will also be discussed. Suggested reading materials include textbooks on banking, banking law, risk management and insurance. The objective of the course is to impart knowledge about the basic principles of banking and insurance.

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Arghadeep Chanda
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734 views2 pages

Banking Insurance

This document outlines the curriculum for a course on Banking and Insurance. The course is divided into 6 units that cover topics such as the history and basics of banking, types of banking products and services, lending processes, risk management, the basics of insurance and assessing insurable risk, the insurance business, and the regulatory framework for insurance. Relevant case studies will also be discussed. Suggested reading materials include textbooks on banking, banking law, risk management and insurance. The objective of the course is to impart knowledge about the basic principles of banking and insurance.

Uploaded by

Arghadeep Chanda
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Banking and Insurance

Marks: 100
Lectures: 60

Objective: To impart knowledge about the basic principles of the banking


and insurance

Unit 1: Introduction to Banking Business: 8


Lectures

Origin of Banking,Banking System-Concept and Different Important Terms


used in Banking Business, Banking Sector Reforms in India, Banker and
customer relationship, General and special types of customers, Overview of
Banking Regulation Act 1949,

Unit2: Banking Products and Banking Services


12Lectures

Financial Services offered by banks, Asset-Liability Management, Liability


Products – Types of Loans and Advances, Asset Products - Types of
deposits, CASA Score, Role of the Central Bank as Regulator, RBI’s Policies
for commercial banks International Security Standards in Banking,
Internet Banking :Meaning, Benefits, Home banking, Mobile banking,
Virtual banking, E-payments, ATM Card/Biometric card, Debit/Credit card,
Smart card, NEFT, RTGS, ECS (credit/debit), E-money, Electronic purse,
Digital cash, Payment banks

Unit 3: Banking Lending and Monitoring Process 10


Lectures

Principles of sound lending, KYC Policy, Secured vs. unsecured advances,


Advances against various securities, Securitization of Standard Assets, Anti-
money Laundering Guidelines, Credit Information Bureau of India, Credit
Appraisal Process, Loan Syndication, Credit Monitoring, Credit Recovery.

Unit 4: Risk Management in Banks 10


Lectures

Risk Universe of banks, Measures for identifying and controlling risks,


CAMELS Rating, Risk Architecture -Basel Regulations-Basel I, Basel II
Migration to Basel II norms, Balance Sheet of a Bank: special items and off
balance sheet items, Asset Reconstruction Company.

Unit 5: Risk and Insurance 12


Lectures

Types of Insurance- Life and General- Insurance and Risk Mitigation Basic
concept of insurable risk, Perils and Hazards, Types of business risk,
Assessment and transfer, Basic principles of utmost goodfaith, Indemnity,
Economic function, Proximate cause, Subrogation and contribution,

Unit 6: Insurance Business 8


Lectures

Concept of Insurance- Actuarial Practice for Life and Non-life, Re-insurance,


Risk and return relationship, Legal Aspects of Insurance Contracts,
Regulatory Framework of Insurance, and Overview of IRDA Act, Power,
Functions and Role of IRDA, Online Insurance, Banc assurance

Relevant Case Studies will be referred

Suggested readings:

1.Agarwal, O.P., Banking and Insurance, Himalaya Publishing House


2.Satyadevi, C., Financial Services Banking and Insurance, S.Chand
3.Suneja, H.R., Practical and Law of Banking, Himalya Publishing House
4.Chabra, T.N., Elements of Banking Law, Dhanpat Rai and Sons
5.Arthur, C. and C. William Jr., Risk Management and Insurance, McGraw Hill
6.Saxena, G.S; Legal Aspects of Banking Operations, Sultan Chand and Sons
7.Varshney, P.N., Banking Law and Practice, Sultan Chand and Sons
8.JyotsnaSethi and Nishwan Bhatia, Elements ofBanking and Insurance, PHI
Learning
9. Bare Act: Banking Regulation Act 1949, SARFAESI Act 2002, IRDA Act,
1999

Note: Latest edition of text books may be used.

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