RETAIL BANKING

Paper Code: 
SBFS 501
Credits: 
4
Contact Hours: 
60.00
Max. Marks: 
100.00
Objective: 

The course will enable the students to familiarize themselves with the operational aspects of retail banking products and develop suitable strategies to broaden the retail client base

Course Outcomes: 

 

 

Course

 

 

Learning outcome (at course level)

Learning  and Teaching Strategies

Assessment Strategies

Course Code

 

 

Course Title

 

SBFS501

 

 

 

Retail Banking

(Theory)

 
  1. Distinguish between various times of assets and liabilities products of the banks
  2. Assess various retail liabilities in terms of purpose, requirement, procedure and security.
  3. Evaluate various retail strategies of banks for selling retail products.
  4. Examine the various trends in bank retailing
  5. Analyse the effective application of the recovery process of retail loans and regulatory measures to curb the issues related to bank loan recovery.
  6. Contribute effectively in course-specific interaction.

 

Approach in teaching: Blended Learning, Collaborative approach, Interactive Lectures, Discussion, Group Projects, PowerPoint presentation.

   

Learning activities for the students:

Self-learning assignments, Seminar presentations, Case Study Analysis, Brainstorming activities

 

Class tests, CA Test,

Semester end examinations, Quiz,

Evaluation of student Presentations,

 

Evaluation of Individual projects,

 

Assessment of Project Reports and viva voce.

 

12.00

Concept of Retail Banking,
 Distinction between Retail and Corporate/Wholesale Banking. Retail Products Overview: Types of assets and liability products. Concept of CRM.

12.00

 Retail banking Products (12hours)

• Study of Retail assets in terms of Eligibility, Purpose, Amounts,
 Margin, Security, Disbursement, Moratorium, Prepayment issues, Repayments/Collection.
 Credit/Debit Cards-Eligibility, Purpose, Amounts, Margin, Security, Process of using the cards, Billing Cycle, Credit Points.
 Study of retail liabilities in terms of purpose, requirement, procedure, and security.

12.00

Retail Strategies: Tie-up with institutions for retail loans;
 Delivery Channels-Branch, Extension counters, ATMs, POS, Internet Banking, M-Banking; Selling process in retail products

12.00

Trends in Retailing-New products like insurance, D-mat services, online/phone banking, property services, investment advisory/wealth management, Reverse Mortgage-Growth of e-banking, Cross selling opportunities

12.00

Recovery of Retail Loans-Defaults, Rescheduling,
 Recovery process- SARAFAESI Act, DRT Act, use of Lok Adalat forum,
 Recovery Agents-RBI guidelines

Essential Readings: 

• Agarwal, O.P., Fundamentals of Retail Banking, Himalaya Publishing House, Mumbai.
• Jha, SM, Banking Marketing, Himalaya Publishing House, Mumbai
• Khan, MY, Indian Financial System,Tata McGraw Hill Publishing Company Ltd., New Delhi
• Uppal;, RK,& Bishnupriya N, Modern Banking in India, New Century Publications, New Delhi

References: 

Suggested Readings:
• Guruswamy,S., Banking in the New Millenium, New Century Publications, New Delhi
• Indian Institute of Banking & Finance, Retail Banking, Mumbai .
• Mithani.D.M, Money,Banking,International Trade and Public Finance., Himalayan Publication, New Delhi
• Ghosh, D ., Banking Policy in India, Allied Publications, Delhi.

e-RESOURCES:
• World Ebook Library
• https://courses.lumenlearning.com/boundless-economics/
• https://censusindia.gov.in/
• https://fincomindia.nic.in/
• http://www.niti.gov.in/
• https://finmin.nic.in/
• https://www.rbi.org.in/

JOURNALS:
• FIIB Business Review- http:// sagepub.com
• Vikalpa : http:// sagepub.com
• Directory of Open Access Journals
• Bankquest, Indian Institute of Banking and Finance
• Journal of Money, Credit and Banking

Academic Year: 
2023-2024
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