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Unit I Lectures For Banking And Insurance Bcom Sem 3 Delhi University Notes
Unit I Lectures For Banking And Insurance Bcom Sem 3 Delhi University : Lectures are used to convey critical information, history, background, theories, and equations. A politician’s speech, a minister’s sermon, or even a businessman’s sales presentation may be similar in form to a lecture. Usually the lecturer will stand at the front of the room and recite information relevant to the lecture’s content.
Though lectures are much criticised as a teaching method, universities have not yet found practical alternative teaching methods for the large majority of their courses. Critics point out that lecturing is mainly a one-way method of communication that does not involve significant audience participation but relies upon passive learning. Therefore, lecturing is often contrasted to active learning. Lectures delivered by talented speakers can be highly stimulating; at the very least, lectures have survived in academia as a quick, cheap, and efficient way of introducing large numbers of students to a particular field of study.
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Unit I Lectures For Banking And Insurance Bcom Sem 3 Delhi University Notes
Unit I Lectures For Banking And Insurance Bcom Sem 3 Delhi University : The arrival of market-oriented approach, globalization, reforms and competitions in the banking and insurance sector and the need to equip prospective banking and insurance professional to face the challenges ahead, the University of Mumbai has developed a degree course in Banking and Insurance for the students who aspire to make a career in Banking and Insurance. This course will provide the students, a greater in-depth knowledge of different aspects of Banking, Insurance and other financial services and a thorough understanding of the practical application of the theory. The Banking & Insurance degree aims to inculcate training and practical approach among the students by using modern technologies, and also to given an adequate exposure to operational environment in the field of Banking, Insurance and other related financial services.
The bachelor of Commerce (Banking & Insurance) course will have the following structure :
1. The Degree is titled as Bachelor of Commerce (Banking & Insurance). The Course is a full time course with duration of six semesters spread over three years.
2. The course consists of 40 subjects comprising of 38 theory papers and 2 projects.
3. Total number of lectures per paper per semester will be maximum of 60, each of 50 minutes duration.
The scheme of subjects is as follows:
| First Year : First Semester ( Six Papers) | |
| 1.1 | Environment and Management of Financial Services |
| 1.2 | Principles of Management |
| 1.3 | Effective Communication – I |
| 1.4 | Economics – I (Micro Economics) |
| 1.5 | Quantitative Methods – I |
| 1.6 | Introduction to Computer Systems |
| First Year : Second Semester ( Six Papers) | |
| 2.1 | Principles and Practices of Banking and Insurance |
| 2.2 | Financial Accounting |
| 2.3 | Effective Communication – II |
| 2.4 | Economics – II (Macro Economics) |
| 2.5 | Quantitative Methods – II |
| 2.6 | Business Law |
| Second Year : Third Semester ( Seven Papers) | |
| 3.1 | Laws Governing Banking and Insurance |
| 3.2 | Financial Management –I |
| 3.3 | Management Accounting (Tools and Techniques) |
| 3.4 | Customer Relationship Management in Banking and Insurance |
| 3.5 | Information Technology in Banking and Insurance |
| 3.6 | Organizational Behaviour |
| 3.7 | Taxation and Financial Services |
| Second Year : Fourth Semester ( Seven Papers) | |
| 4.1 | Universal Banking |
| 4.2 | Financial Management – II |
| 4.3 | Innovations in Banking & Insurance |
| 4.4 | Corporate Law and Laws Governing Capital Market |
| 4.5 | Entrepreneurship Management |
| 4.6 | Financial Markets (Equity, Debt, Forex and Derivatives) |
| 4.7 | Cost Accounting of Banking and Insurance |
| Third Year : Fifth Semester ( Seven Papers) | |
| 5.1 | Marketing in Banking and Insurance |
| 5.2 | Financial Services Management |
| 5.3 | International Banking and Finance |
| 5.4 | Financial Reporting and Analysis |
| 5.5 | Security Analysis and Portfolio Management |
| 5.6 | Auditing |
| 5.7 | Project Presentation Banking and Insurance –I |
| Third Year : Sixth Semester ( Seven Papers) | |
| 6.1 | Strategic Management |
| 6.2 | Central Banking |
| 6.3 | International Business ( Banking and Insurance) |
| 6.4 | Human Resource Management in Banking and Insurance |
| 6.5 | Business Ethics and Corporate Governance |
| 6.6 | Turnaround Management |
| 6.7 | Project Presentation Banking and Insurance –II |
Unit I Lectures For Banking And Insurance Bcom Sem 3 Delhi University :
Intake Capacity
The intake capacity at the B.Com. Banking & Insurance level is 60 students.
Eligibility for admission
A Candidate for being eligible for admission to the Bachelor of Commerce (Banking and Insurance) Degree Course shall have passed XII std. Examination of the maharashtra State Board of Secondary and Higher Secondary Education or the equivalent examination and secured not less than 50% marks in aggregate (45% in case of reserved category) at one and the same sitting.
Admission will be strictly on merit, i.e. on the basis of marks obtained at HSC or equivalent examination.
Scheme of Examination and Passing Standards
The Scheme of Examination is divided in two parts
A) Internal Assessment – 40% i.e. 40 marks
B) Semester End Examination – 60% i.e. 60 marks
A) INTERNAL ASSESSMENT – 40 MARKS
The allocation of 40 marks is as follows :-
· Two best of Three periodical class tests held in the given semester – 20 marks
· A better of the Two assignment-based class presentations (Seminar) to be selflessly assessed by the teacher concerned – 10 marks
· Group Discussion or Active participation in routine class instructional deliveries – 05 marks
· Overall conduct as a responsible student, mannerism & articulation & exhibit of leadership qualities on organizing related academic activities –05 marks
B) SEMESTER END EXAMINATION – 60 MARKS
a) Duration – This examination is of 2 Hrs. duration
b) Question paper pattern :-
· There shall be four questions each of 15 marks
· All questions shall be compulsory with internal choice within the question.
· Questions may sub-divided into a) and b) if necessary for 8 & 7 marks respectively.
The responsibility of Examination evaluation during the First Four semesters shall rest with the College / Institution where in the students are admitted for the courses. The College/Institution shall carry out the internal assessment for the papers in semester V & VI while the University shall conduct the Semester End Examination for these two semesters. The internal assessment marks of students appearing for semester V and VI shall be sent to the University by the respective college, institution before the commencement of the respective semester and examination.
PASSING STANDARDS
A) The performance grading of the student shall be of the Seven Point ranking system as under :
| No. | Division | Marks | Grade |
| I | I – I | 65 or above | O |
| I – II | 60……..64 | A | |
| II | II – I | 55……..59 | B |
| II – II | 50……..54 | C | |
| II- III | 45……..49 | D | |
| III | III | 40……..44 | E |
| IV | Fail | 39 or below | F |
Unit I Lectures For Banking And Insurance Bcom Sem 3 Delhi University :
The performance grading shall be based on the aggregate performance of internal assessment and semester end examination.
b) Carry forward of Internal Assessment marks :- A candidate who fails in any particular paper shall be allowed to reappear for that theory paper/s. However his/her internal assessment marks shall be carried forward, but shall be entitled grade “D” on passing.
C) I) A candidate shall be allowed to keep terms for semester II if he/she passes semester I or if he/she fails in not more than theory papers of semester I.
ii) A candidate shall be allowed to keep terms for semester III if he/she passes Semester II and Semester II or if he/she fails in not more than two theory papers of semester I and Semester II taken together.
iii) A candidate shall be allowed to keep terms for Semester IV if he/she passes semester I, II and III OR if he/she passes Semester I and fails in not more than two theory papers of semester II and semester III taken together.
IV) A Candidate shall be allowed to keep terms for semester V if he/she passes in each of Semester I, II, III and IV OR if he/she passes semester I and Semester II and fails in not more than two theory papers of Semester III and Semester IV taken together.
V) A candidate shall be allowed to keep terms for semester VI if he /she passes in each of Semester I, II, III, IV and V or if he/she passes Semester I, Semester II and Semester III and Fails in not more than two theory papers of Semester IV and Semester V taken together.
Fees chargeable per annum for B.Com Banking & Insurance
| Fee Head | F.Y.B.Com B & I | S.Y.B.Com B & I | T.Y.B.Com B & I |
| Tuition Fee | 10000 | 10000 | 10000 |
| Gymkhana Fee | 300 | 300 | 300 |
| Library Fee | 600 | 600 | 600 |
| Examination Fee | 1200 | 1200 | 1200 |
| Enrolment/Registration | 200 | — | — |
| I. Card & Lib. Card | 25 | 25 | 25 |
| Group Insurance | 20 | 20 | 20 |
| Computer Practical Fee | 2000 | 1000 | — |
| Industrial Visit Fee | 500 | 500 | 500 |
| Project Fee | 200 | 200 | 200 |
| Total Annual Fee | 15045 | 13845 | 12845 |
Unit I Lectures For Banking And Insurance Bcom Sem 3 Delhi University Notes
Unit I Lectures For Banking And Insurance Bcom Sem 3 Delhi University : Finance is the life blood of trade, commerce and industry. Now-a-days, banking sector acts as the backbone of modern business. Development of any country mainly depends upon the banking system. A bank is a financial institution which deals with deposits and advances and other related services. It receives money from those who want to save in the form of deposits and it lends money to those who need it. It deals with deposits and advances and other related services like lending money to grow the economy. Banks act as bridge between the people who save and people who want to borrow i.e., It receives money from those people who want to save as deposits and it lends money to those who want to borrow it. The money you deposited in bank will not be idle. It will grow by means of interest to your bank account they will earn interest in return for lending out the same money to borrowers. This would ensure smooth money flow to develop our economy
Definition of a Bank
Chamber’s Twentieth century Dictionary defines a bank as, “an institution for the keeping, lending and exchanging etc. of money”. According to Banking Regulation Act, “Banking means the accepting for the purpose of lending or investment of deposits of money from the public, repayable on demand or otherwise and withdrawable by cheque, draft, and an order or otherwise”. Defines a bank as “an establishment for custody of money, which it pays out on customer’s order.” Prof. Kent defines a bank as, “an organization whose principal operations are concerned with the accumulation of the temporarily idle money of the general public for the purpose of advancing to others for expenditure”.
