PAPER 6(f): TREASURY MANAGEMENT (Optional Subject)

PAPER 6(f): TREASURY MANAGEMENT (Optional Subject)

Full Marks: 100

Chapter 1 Introduction to Treasury
          Function of Treasury
          The Market
          Key Variables in Treasury Management
          What is Liquidity
          The Role of Central Bank
          Treasury as a profit center of the bank

Chapter 2 Reserves
          Operational Reserve
          Statutory Reserve Requirement
          Government Securities

Chapter 3  Asset Liability Management
          Liquidity Management
          Tools of Liquidity Management
          Balance Sheet & Capital Planning
          Transfer Pricing of Assets & Liability
          ALCO

Chapter 4  Foreign Exchange Management
          Fx Markets
          FX Quote Conventions
          Net Open Position
          Assessing Exposure to Risk
          Forward & FX Swap Pricing
          Foreign Exchange Trading

Chapter 5 Money Market
          Money Market Instruments
          Participants of Money Market
          Treasury Bill Market of Bangladesh
          Repo & Reverse Repo
          Swap

Chapter 6  Fixed Income
          Fixed Income Market
          Fixed Income Instruments
          Bond Pricing & Yield to Maturity
          Duration & Convexity
          Primary & Secondary Market

Chapter 7  Basic Derivatives
          FX Derivatives
          Interest Rate Derivatives
          Commodity Derivatives
          Credit Derivatives

Chapter 8  Market Risk Management
          Risk Factors in a Bank
          FX Risk Management
          Interest Rate Risk Management
          Risk Management Limits & Reporting
                Implication of Basel II 

PAPER 6(e) : INVESTMENT BANKING AND LEASE FINANCING

PAPER 6(e) : INVESTMENT BANKING AND LEASE FINANCING

Full Marks : 100
Module A :       Investment Banking
          Investment Banking  Functions and Score Investment Setting Investment Return and Risk, Asset Allocation, Security Market Instruments.

Module B : Primary Security Markets
          Management of Capital Issues, Undertaking, Issue of Prospectus, Private Placement, Mutual Fund (open ended and closed ended)

Module C : Secondary Market
          Dealing vs Brokering- Dealer Activity-Managing Dealer Risk-Financing Dealer Inventory- Brokerage Activity, Possible Abuses by Brokers, Security-Market Indicators. Central Deposit, Stop Exchange.

Module D : Portfolio Management
          Introduction to Portfolio Management, Some Background Assumptions, Asset Pricing Models, Efficient Capital Markets.

Module E : Portfolio Analysis
          Financial Statement Analysis- Major Financial Statement, Analysis of Financial Ratios, Economic Analysis, Relating Economic Analysis to Efficient Market, Forecasting Tools, The Nature of Effective Economic Forecast, Industry Analysis, Company Analysis.

Module F : Technical Analysis
          Concepts of Technical Analysis, Challenges to Technical Analysis, Advantages, of Technical Analysis, Technical Trading Rules and Indicators.

Module G : Security Valuation
          Security Valuation  Overview of the Valuation Process. Theory of Valuation, Bond Fundamentals and Valuation of Bonds-Computing Bond Yields. Valuation of Equities.

Module H : Lease Financing
          Concept of Lease  Different Forms of Lease Financing vs. Operating Leaser Financing Evaluating  Lease Financing in Relation to Debt Financing : Lessees Perspective-Financing Evaluation : Lessees Perspective Advantages of Lease Financing. Practices of Lease Financing in Bangladesh.

Module I : Investment Banking Structure in Bangladesh
           Structure, Legal Framework, Performance, Role of SEC (Prevention of Insider Lending and Investor Protection), ICB (Institutional Investor), DSE and CEC Corporate Merger, Restructuring, Acquisition, Corporate Advisory

References: 

1          Different Publications of SEC, DSE and CSE.
2          Francis, J.C.-Investment (McGraw Hill, Singapore).
3          Hirt, G. A. ad Stanley B. Block-Fundamentals of Investment Management  (IRWIN, U.S.A.)
4          Public Issue Rules, 1998.
5          Reily, Frank, K. and Edger A. Norton-Investments  (The Dryden Press, U.S.A.)
6          Securities & Exchange Ordinance, 1969.
7          Sharpe, W.F.-Investments (Prentice-Hall Inc., U.S.A.)
8          Avw_K cwZ b AvBb, 1993
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PAPER 6(d) : ISLAMIC BANKING

PAPER 6(d) : ISLAMIC BANKING

Full Marks : 100
Module A: Islamic Economics
          Islamic Economics- Meaning and Scope, Nature of Economic Laws, Islam and Other Economic Systems, Consumption and Production in Islam, Distribution of Wealth in Islam, Trade and Commerce in Islam, Islamic Approach to Money, Banking and Monetary Policy.

Module B: Interest in Islam
          Interest in Islam, Meaning of Riba, Conceptual Issues Related to Riba, Comparative Difference Between Interest and Profit, Classical and Keynesian Views on Interest.

Module C: Islamic Banking
          Objectives and Functions, Global Experiences, Operational Mechanism of Islamic Banking System of Guarantee, Non-Banking Services of Islamic Banks, Islamic Bank and Central Bank, Conventional vis--vis Islamic Banking.

Module D: Deposit Mobilization Process
          Wadia and Mudraba Accounts their Characteristics and Mode of Operations.

Module E: Investment and Operation of Islamic Banks
          Musharaka, Mudaraba, Murabaha, Bai-E-Muazzal, Bai-E-Salam, Hire Purchases, Quarz E Hasana, Lease Finance, Auction Investment, Syndicated Investment, Term Investment.

Module F: Fund Management in Islamic Banking
          Asset  Liability Management (ALM), Liquidity Management, Liquidity Versus Profitability, Liquidity Theories and Islamic Banking  Risk Management in Islamic Bank.

Module G: Foreign Exchange Operation of Islamic Bank
          Import and Export Financing, Methods of Trade Payments  Exchange Rates  Applicable Rates for FEX Operations.

Module H: Central Banking in Islamic Framework
          Central Banking in Islamic Framework  Monetary Policy in Islam  Banking Supervision.

Module I: Rural Finance, Welfare and Ancillary Services of Islamic Banking

Module J: Role of Shariah Council
      Need for Shariah Board  Relationship with Board of Directors and Central Bank, Power and Function of Shariah Councils.

Module K: Experience of Islamic Banks at National and International Level
 
References: 

1          Ahmed, Shaikh Mahmud. Towards Interest Free Banking. International Islamic Publisher, Delhi
2          Choudhury, Masudul Alam. Money in Islam, Routledge, London
3          Hasan, Kabir M. A Text Book on Islamic Banking
4          Hoque, Ataul, Readings in Islamic Banking Islamic Foundation Bangladesh
5          Mannan, M A, Islamic Economics- Theory and Practice, New Delhi, India
6          Rahman, M.M and Rahman, B.M.H. Islamic Finance System
7          Shaghil, M, Islamic Economics New Delhi, India

PAPER 6(c) : SME AND CONSUMER BANKING

PAPER 6(c) : SME AND CONSUMER BANKING

Full Marks : 100
Module A: Role of SME
          Role of SMEs in The Economic Development of Bangladesh, Policy Environment and Initiatives of SMEs, Experiences of SME Foundation.

Module B: Sources and Modes of SME Finance
          Role of FIs, Bangladesh Bank Guidelines, Equity Entrepreneurship Fund (EEF), NGOs, Venture Capitalists and Informal Sector.

Module C: Formulation of Business Plan and Project Appraisal for SMEs
          Essentials of Business Plans  Sector Specific Requirements  Project Appraisal Marketing Aspect, Technical Aspect, Financial Aspect, Cash Flow Analysis, Financial Projections, Cost of The Project and Means of Financing, Break-Even Point, Capital Budgeting Techniques, NPV, BCR and IRR, Assessment of Working Capital, Assessment of Risks, Identification and Selection of Entrepreneurs.

Module D: Operational Procedures in SME Financing
          Asset Based Financing, Factoring, Leasing, Tripartite Agreements, Documentation and Creation of Charges on Securities, Repayment Schedule of Loans, Monitoring and Counseling.

Module E: Consumer Banking
          Overall Objectives, Critical Elements of Consumer Banking, Consumer Banking Products, Operational Aspects, Legal Framework and Bangladesh Bank Guidelines.

Module F: Recovery of SME and Consumer Credit
          Identification of Non-Performing Loans, Procedures Relating to Recovery- Legal and Non-Legal aspects.

References: 

1          Bangladesh Bank reports
2          Reports of SME Foundations

PAPER 6(b) : AGRICULTURE AND MICRO FINANCE

PAPER 6(b) : AGRICULTURE AND MICRO FINANCE

Full Marks : 100

Module A: Agriculture Finance
          Need for Agricultural Finance, Institutional and Non-Institutional Sources, Types of              Agrifinance-Crop and Non-Crop, Agro-Based Project Financing - Procedures and Collaterals in Agrifinance  Problems of Agrifinance. Role of Commercial Bank and Specialized Banks in Agrifinance  Recovery of Agricultural Credit  Public Demand Recovery Act.

Module B: Evolution of Micro Credit
          Historical Development of Micro Credit, Micro Credit and Micro Finance, Micro Credit and Poverty Alleviation.

Module C: Policy and Legal Framework
          Regulatory Requirements and Policy Support for the Development of the Micro Finance Activities, Government Policy and Legal Framework Regarding Micro Finance in Bangladesh, Role of Government and Central Bank  Micro Credit Regulatory Authority (MRA) in Bangladesh.

Module D: Micro and Rural Financial Products and Services
          Credit-Requirements of Collateral Security, Collateral Substitutes, Saving-Compulsory Deposit System, Insurance, Payment Services, Social Intermediation, Enterprise Development Services, Cash Flow Analysis.

Module E: Micro Financial Institutions (MFIs)
          Micro Financial Institutions and their Objectives, Target Market and Impact Analysis, Formal, Semi-Formal and Informal Financial Institutions, Institutional Growth and Transformation, Linkages Among Different Types of MFIS and Between Banks and MFIS. Social Services of the MFIS.

Module F: Performance Assessment
          Repayment Rates, Financial Viability, Profitability, Leverage and Capital Adequacy, Borrowers Viability and Poverty Alleviation.

Module G: Role of MFIs in Rural Finance and Poverty Alleviation in Bangladesh
          Role of BKB, RAKUB, Grameen Bank, BRAC, ASA, PRASHIKA, BRDB and PKSF as the Micro/Rural Financial Institutions in poverty alleviation

References: 

1          Annual Reports of BKB, RAKUB, PKSF, Bangladesh Bank Credit Norms etc
2          Ledgerwood, Joanna, Micro Finance Handbook- An Institutional and Financial Perspective, The World Bank Washington D.C
3          Wood, Geoffrey D and Sharif, Ifath A, (Ed.) Who Needs Credit-Poverty and finance in Bangladesh, UPL, Dhaka.

DAIBB- PAPER 6(a) : CENTRAL BANKING AND MONETARY POLICY

DAIBB- PAPER 6(a) : CENTRAL BANKING AND MONETARY POLICY

 B    OPTIONAL SUBJECTS

Full Marks : 100

Module A : Introduction to Central Banking
          Central Bank in The Financial System, Evolution, Characteristics, Objectives, Philosophy and Functions of Central Banks, Relationship Between Central Bank and Govt., Central Bank and Commercial Banks, Modern Central Banking, Autonomy of Central Bank, Separation Between Supervisory and Monetary Authorities.

Module B : Supervision of Financial Institutions
          Theory, Objectives and Agencies of Bank Examination/Regulation, Methods of Bank Examination, On Site and Off-Site (CEMELS Rating), Deposit Insurance and Bank Failures. Risk Management and Internal Control Mechanism. Basic Guidelines on Bank Supervision, Supervision of Non-Banks & Other Financial Institutions.

Module C : Monetary Policy
          Money and is Functions, Demand for and Supply of Money, Multiple Deposit Creation, Determinations of Money Supply, Monetary Base and Money Multiplier, Conduct of Monetary Policy-Tools, Targets, Goals and Monetary Transmission Mechanism.

Module D : Central Banking and Monetary Management in Bangladesh
          Bangladesh Bank order, 1972; Prudential Regulation, Monetary Policy of Bangladesh.

Module E : Exchange & Reserve Management
          Exchange Rate Policy, Fixed & Floating Rate, Relationship with International Monetary Intuitions, Foreign Currency Investment.

References: 

1          Ahmed, A.K.N. Of Deregulation and Central Bank Autonomy. University Press Ltd, Dhaka.
2          Bangladesh Bank Publications.
3          BIS. Core Principles for Effective Banking Supervision.
4          Dekock, M.H. Central Banking
5          Mishkin, Frederic, S. The Economics of Money, Banking and Financial Markets.  Harper             Collins, New York.
6          Sheng, Andrew. Bank Supervision. Principles and Practice. EDI Working Paper.
7          Smith, Gray. Money, Banking and Financial Intermediation. Heath and Company, Lexington, D.C.
8          Vittas, Dimitri. Financial Regulation. The World Bank, Washington.

DAIBB-PAPER 5 : MANAGEMENT ACCOUNTING

DAIBB -PAPER 5 : MANAGEMENT ACCOUNTING

Full Marks : 100

Module A: Definition and Scope of Management Accounting
          The Place of Management Accounting/Short comings of The Traditional Methods of Credit Analysis
          Its Definition and Scope, Distinction Between Financial Accounting and Management Accounting  Role of Management Accountant  Analysis and Interpretation of Finance Statements.
          Planning Process
          Setting of Objectives

Module B: Costing and Pricing
          Methods of Costing  Classification of Costs  Implication of Costing for Bankers
          Objectives of Pricing  Common Misconceptions in Pricing  Cost, Volume, Profit Relationship  Break-Even Analysis  Limitations of Break-Even Analysis  Planning for Profit.

Module C: Budgeting and Expenditure
          Importance of Budgeting
          Objectives of Budgeting  Preparation of Budgets  Importance of Budgets to Bankers, Standard Costing Control Through Budgets.
         Method of Appraisal; Shortcomings of Appraisal Methods Capital Budgeting  Its Importance to Lending Banker.

Module D: Planning for Liquidity
        Cash Flow Forecast  Objectives of Cash Flow  Preparing A Cash Flow Forecast/Using The Cash Flow/Cash Flow Forecast and Lending Banker.
          Statement of Sources and Application of Funds

Module E: Working Capital Management
          Factors Affecting Working Capital Requirements Short Term Financial Forecasts  Assessment of Working Capital  Production and Operating Cycle  Inventory Management  Cash and Receivables Managements  Methods of Financing Working Capital  Different Forms of Bank Credit  Management Reports  Types of Information and its Relevance to Banks

Module F: Leasing and Hire Purchase
         Financing Against Lease  Forms of Lease Financing  Economics of Leasing-Financing against Hire Purchase Agreements  Relative Merits of Leasing Finance and Hire Purchase Finance from Customer"s and Lending Bank"s Point of View

References: 

1          Bhattacharya, S. K. and John Deanden Accounting for Management : Texts & Cases Hingorani & Chawla. Management Accounting (Indian Institute of Bankers, Published by Himalaya Publishing House, Mumbai, India).
2          Egginton, D. A.  Accounting for the Banker, (Longman).
3          Fisher, J.  Financial Analysis and Management Accounting for the Banker (The Institute of             Bankers in Scotland).
4          Kuchhal, S. C.  Financial Management  An Analytical & Conceptual Approach.
5          Khan, Md. Mainuddin  Advanced Accounting (Ideal Library Dhaka).
6          Pitcher, M. A.  Management Accounting for the Lending Bankers.

DAIBB- PAPER 4 : INFORMATION TECHNOLOGY IN FINANCIAL SERVICES

DAIBB- PAPER 4 : INFORMATION TECHNOLOGY IN FINANCIAL SERVICES

Full Marks : 100

Module A: Introduction to IT and Computer Systems

           Concept and Importance of IT, Role of IT in Financial and Business World. MIS. Electronic Banking and Electronic Commerce.
          Computer Hardware  Anatomy of Computer, Types of Computers, Central Processing Unit (CPU), Main Memory, Computer Systems, Peripheral Controllers, Peripherals (Terminal, Printer, Floppy Drive, Disk Drive, Compact Disk, Tape Drive, Cartridge, Tape Drive Graph Plotter, Mark Sense Readers, Etc.), Current Trends.
          Computer Software  Need for Software, What is Software ? Types of Software, Systems Software, Operating Systems, Language Translators (Compilers, Interpreters), Programming Language Data Base Management Systems (DBMS), 4th Generation Language Tools, Application Software, Application Areas, Packaged and Tailored Software, Software Development, Current Trends.

Module B: Security Considerations

          Accidental Damage, Power Failures, Malicious Damage, Operational Problems, Data, Encryption and Decryption, Standards, Audit Trails. Accountability, Liability & Control ; System Vulnerability & Abuse ; Creating Control Environment ; Internet Security ; Development A Control Structure ; Ensuring System Quality.

Module C: Different Approaches to Bank Mechanization

           Stand Alone Computer System, Local Area Networks (LAN), Local Processing With Batch Updates, On-Line Updates With Shadow Posting, Remote Computing Facility With Batched Input  On Line Systems With Mini Computer Networking and With Mainframe Computer, Duplication of Databases at Different Levels.

Module D: Electronic Payment Systems & Funds Transfer Systems

          Teller Machines at Bank Counters, Cash Dispensers, Stand Alone Automated Teller Machines (ATMs), ATM with On-Line Inquiry and Update Facilities, Home Banking & E-Commerce (Corporate and Personal).
          Plain Messages (Telex or Data Communication), Structured Messages (SWIFT, Etc.), Direct Fund Settlement Systems (CHIPS, Etc.), two Level Funds Transfer Settlement (FEDWIRE, BANKWIRE Point-of Sale Systems).

Module E: Document Handling Systems, Additional Banking Applications & Other Aspects

           Cheque Sorting and Balancing Systems (MICR, OCR, Etc.), Document Storage and Retrieval Systems (Microfilming), Document Transmission Systems (FAX).
          Inter-Branch Reconciliation, Foreign Exchange Dealing, Investment Management Systems, Cash Management Systems, Statistical Analysis.
          Personal Identification Numbers and Their Use in Conjunction with Magnetic Cards of Both Credit and Debit Types, SMART Cards, Signature Storage and Display by Electronic Means, Cheque Truncation, Microfische, Note and Coin Counting Devices.

Module F: Risk Management and Legal Framework in IT

            National ICT Policy 2002, ICT Act-2006, Bangladesh Bank Guidelines, Cyber Law

References:

1          Bajwa K.S.  Bank Mechanisation (Skylark Publication).
2          Different journals and periodicals on computer.
3          Hunt R. and Shelley J.  Computer and Common Sense (Prentice-Hall of India Private Limited, Latest Edition).
4          Lipis, Marschall, Linkers  Electronics Banking (John Wiley and Sons).
5          Rangarajan Committee Report  Mechanisation and Automation in the Banking Industry, Reserve Bank of India (1984).
6          Rajgopalan R.  Understanding Computer (Tata McGraw Hill Publishing Co. Ltd.)
7          Study of Use of Modern Tools in Banking (Indian Banks Association, 1993).
8          Srivastava  Computer Application in Banks (Bankers Training College, Reserve Bank of India).                           

DAIBB-PAPER 3 : INTERNATIONAL TRADE AND FOREIGN EXCHANGE

DAIBB-PAPER 3 :  INTERNATIONAL TRADE AND FOREIGN EXCHANGE

Full Marks : 100

Module A: An Overview of Foreign Trade
          Importance and Trends of International Trade
          Composition and Trends of Bangladesh Foreign Trade
          The Role of WTO for Removal of Tariff and Non-Tariff Barriers
          Inco-Terms Terms Used in the International Trade
          Payments and Clearing Unions EU, NAFTA, LAFTA, ACU
          Balance of Trade and Balance of Payments
          Salient Features of Export and Import Policies of Bangladesh
          Incentives Including GSP for Exports from Bangladesh

Module B: General Knowledge Regarding
          International Organizations Like IMF, World Bank, IFC, IDA, ADB, Islamic Development Bank (IDB), etc.

Module C: Role of Banks in Foreign Trade
          Methods of Settlement of Payments for International Trade
          Cross Border Fund Transfer Systems Including SWIFT and Other Forms of Electronic Fund Transfers
          Documents Used in International Trade and Their Scrutiny by the Banks
          Main Features of Uniform Customs and Practice for Documentary Credits (UCPDC) (ICC Publication No.600)
          Main Features Uniform Rules for Collection (ICC Publication No. URC 522)
          Arrangement for Settlement of International Payments: Correspondence Relationship,
      Nostro And Vostro Accounts

Module C: Protection Against Risk in Foreign Trade

          Precautions Against Common Frauds and Forgeries
          Protection Against Political and Economic Risks and
          Export Credit Guarantee Schemes in Force in Bangladesh

Module D: Exchange Control Regulations
          Salient Features of Foreign Exchange Regulation Act, 1947
          Exchange Control Regulations Regarding Forex Operation by Authorised Foreign Exchange Dealers
          Foreign Investment in Bangladesh Including Export Processing Zones
          Special Provisions in the Anti-Money Laundering Act, 2008 Affecting International Payments

Module E: Exchange Rates
          Changing Pattern of Exchange Rates Since World War I
          Factors Affecting Exchange Rates
          Various Types of Exchange Rates
          Management of Exchange Rates in Bangladesh

Module F: Foreign Exchange Markets
          In Bangladesh
          Overseas and
          Euro-Currency Market

Module G: Dealing In Foreign Exchange
          Foreign Exchange Positions
          Trading in Foreign Exchange
          Offshore Banking Operations
          Lending and Borrowing in Foreign Currencies and
          Derivatives in Foreign Currencies

Module H: Financing of Foreign Trade in Bangladesh
          Various Forms of Financing Exports From and Imports into Bangladesh
          Arrangements and Forms of Export From and Imports into Bangladesh
          Role of Bangladesh Bank Regarding Export and Import Finance

Module I: Exchange Arithmetic
          Selection of Buying and Selling Rates for Spot and Forward Transactions
         Calculation for Buying and Selling Rates, Spot, Forward and SWAP, for Export and Import Bills,
    Investment and Other Miscellaneous Payments.

References:

1         Ali, Syed Ashraf: Foreign Exchange and Financing and Risk Management, 2nd Edition, Mowla Brothers (Dhaka, Bangladesh).
2         Andly, K. K. : Foreign Exchange.
3         Awasthi, G. D. Trade Payments (Academy of Business Studies, Delhi, India).
4         Keskamat. V. V. : Foreign Exchange  An Introduction.
5         Lall, G. S.  Finance of Foreign Trade and Foreign Exchange (HPJ Kappor, New Delhi.).
6         Verghese, S. K. : Foreign Exchange and Financing of Foreign Trade.
7         Watson, A. J. W. : Finance of International Trade (Institute of Bankers, London).
8         Whiting, D. P. : Finance of International Trade (McDonald & Evans).
9         Wheble B. S. : Uniform Rules for Collection (Chartered Institute of Bankers, London)

DAIBB-PAPER 2 : LENDING OPERATIONS AND RISK MANAGEMENT

DAIBB-PAPER 2 : LENDING OPERATIONS AND RISK MANAGEMENT

Full Marks : 100

Module A : Introduction of Loan Portfolio Management in Financial Institution

                       Credit Planning, Policy and Vision, Complete Transaction.

Module B : Principles of Good Lending and Credit Process

           Different Types of Borrowers and Loan Accounts, Selection of a Borrower, Loan Interviewing and Credit Investigation, Loan Sanctioning and Disbursement Process.

Module C : Commercial Lending Environment

                   Characteristics of a Good Credit Officer, Features of Good Loan Policies.

Module D : Basic Financial Analysis

          Financial Statement Analysis, Financial Spread Sheet: Communize and Comparative Financial
       Statements, Cash Flow, Fund Flow, Ratio Analysis, Credit Scoring System.

Module E : Term Lending by Banks

Appraisal of Term Lending Cases, Technical Aspect, Marketing Aspect, Managerial Aspect, Financial Aspect and Economic Aspect, Cost of The Project and Means of Financing, Capital Budgeting Techniques, Internal Rate of Return (IRR), Economic Rate of Return (ERR), Cost-Volume-Profit Relationships.

Module F : Working Capital Lending

          Requirements, Estimation and Techniques.

Module G : Financial Projection

          Projected Financial Statements, Cash Budget.

Module H : Lending Risk Management

          Concept and Technique, Credit Risk Grading (CRG) Techniques, Bangladesh Bank Guidelines and Regulations, Portfolio Risk Assessment and Management Technique, Asset Securitiesation, Credit Derivatives, Loan Syndication, Loan Sales etc.

Module I : Loan Structuring and Pricing

Module J : Modes of Charging Securities, Loan Documentation

Module- H :  Follow-up, Repayment and Reporting, Problem Loans

References:

1    Bedi,  H.L.   and  V.K.   Hardikar. Practical  Banking  Advances.
       Institute  of  Banking       Studies, India.
2    IBB guidelines and Circulars.
3    Morsman,  Jr.  Edgar  M.  Commercial   Loan   Portfolio   Management.
      Robert  Morris Associates, U.S.A
4    Ruth, George E. Commercial Lending. American Bankers Association, U.S.A.
5    Signoriello,  Vincent J. Commercial Loan Practices and Operations.
      Bankers Publishing Company, U.S.A.
6    Simha, S.L.N. Credit Management. IFMR, Madras.

DAIBB- PAPER 1 : MANAGEMENT OF FINANCIAL INSTITUTIONS

DAIBB- PAPER 1 : MANAGEMENT OF FINANCIAL INSTITUTIONS

 

Full Marks : 100

MODULE A: INTRODUCTION TO BUSINESS OF FINANCIAL INSTITUTIONS

            An Overview of Banks and Non-Banks and Their Services, Economic Analysis of Financial Institutions, Impact of Govt. Policy and Regulations, Financial Statements of Financial Institutions.

Module  B: Asset-Liability Management (ALM) Techniques

         Asset and Liability Management Strategy, Fund Management Strategy, Interest Rate Risks-Gap and Duration Management, Futures, Options and Other ALM Techniques, Investment Functions and Instruments, Demand for Supply of Liquidity, Liquidity Problems-Strategies for Liquidity Management.

Module  C: Managing Sources of Funds

      Deposit and Non-Deposit Funds, Off-Balance Sheet Sources Securitization, Loan Sale etc.    Management of Capital BASEL-II Framework (BB Guideline).

Module D: Profitability and Productivity and Consumers

             Measuring and Evaluating Financial Institutions Performance, Camels Rating.

Module E: Risk Management of Financial Institutions

         Risk Identification, Measurement, Mitigation Technique, Core Risk Management Guidelines of     Bangladesh Bank, Market Risk, Operational Risk & Reputation Risk.

References:

1. Core Risk Management Guidelines of Bangladesh Bank.
2. Mishkin, Frederic S. The Economics of Money, Banking and Financial Markets.
    Harper- Collins, New York.
3.Rose, Peter S. Commercial Bank Management. IRWIN, International Edition, New York.

  

PAPER 6 : Accounting for Financial Services

PAPER 6 : Accounting for Financial Services

Full Marks : 100

Module A: Introduction and Environment

          Purpose, Nature, Uses and Users of Accounting Information, Functional and Operational Definition of Accounting, Accounting Principles, Standards and Regulations, Forms of Business Organizations and Accounting systems.

Module B: Analysis of Financial Statement

          Objectives of Financial Statement Analysis, Financial Statement Analysis, Horizontal and Vertical Analysis, Comparative Financial Statements, Communize Statements, Financial Ration Analysis, Trend Percentage, Specialized Analysis, Cash Forecasts, Analysis of Changes in Financial Position, Break-Even Analysis, Cash Flow Statement, Unadjusted Trial Balance and Adjustments.

Module C: Processing and Recording of Accounting Information

          Transaction, Analysis of Transaction, Accounting Cycle, Recording of Transaction, Double Entry System, Golden Rule of Debit and Credit, Posting of transactions to the Ledger, T Form and Multi Column Ledger, Preparation of Cash Book, Single Column, Double Column and Triple Column Cash Book, Preparation of Trial Balance, Suspense Accounts, Reflection of Errors Adjusting Entries and Closing Entries Accrued and Deferred Revenue and Expenses.

Module D: Financial Statements for Different Entities

          Service, Merchandise and Manufacturing Operation: Income Statement, Cost of Goods Sold, Cash Flow Statement, Balance Sheet, Limitation of Balance Sheet.
          Partnership and Joint Stock Companies: Specific Characteristics of Financial Statements of Partnership  Capital Account, Current Account, Profit and Loss Adjustments Account. Distinguishing Characteristics of Financial Statements of Companies.
          Banks and Other Financial Institutions: Provisions of Bank Company Act, 1991 (with Amendments), Preparation of Profit and Loss Account and Balance Sheet of Banks. Provisions of Financial Institutions Act, 1993 (with Amendments), Preparation of Profit and Loss Account and Balance Sheet of Financial Institutions.

Module E: Accounting for Assets

          Current Assets: Inventory Valuation, Periodic and Perpetual Method for Ascertaining Closing Inventory, Average, Last In First Out (LIFO), First In First Out (FIFO), Account Receivables.

          Fixed Assets: Depreciation Methods, Recording of Depreciation, Valuation of Fixed Assets, Depreciation as a Cost Allocation.

Module F: Journal Rules for Journalizing

          Different Types of Journals, Sub-Division of Journals, Posting of Accounts, Ledger, Interpretation of Ledger Account, Writing of Different Types of Cash Book in Columnar Form, Imprest System of Petty Cash, Bank Reconciliation System, Journal Proper.

References:

1          Anthony, Reece  Accounting Principles (Richard D, Irwin, Inc. U.S.A.).
2          Anthony, Robert N.  Essentials of Accounting  (IRWIN, U.S.A.).
3          Harmenson, Edwards, MAHER  Accounting Principles (IRWIN, U.S.A.).
4          Khan, Md. Mainuddin  Advanced Accounting (Ideal Library, Dhaka).
5          Weygandt, Kieso Kell  Accounting Principles (John Wiley and Sons Inc. U.S.A.).

PAPER 5 : MARKETING OF FINANCIAL SERVICES

PAPER 5 : MARKETING OF FINANCIAL SERVICES

Full Marks : 100

 Module A: The Role of Marketing

          Introduction- The Marketing Function- The Comparative Development of Marketing for Banks and Financial Institutions. Elements of Marketing.

Module B: Customer Behavior and Market Segmentation

          Introduction- Consumer Behavior and Attitudes- Types of Market Segmentation- Segmentation of Retail vs Corporate Markets.

Module C: Branch Location and Distribution

          Introduction- Means of Distributing Financial Services- Locating Bank Branches- New Technology and Branching- Creating the Branch Image.

Module D: Advertising and Communication

          The Roles of Advertising- Advertising Channels- Promotions- Publicity- The Contribution of Advertising and Communications to Marketing Programmes of Financial Institutions.

Module E: Product Development and Pricing

          Product Development and Segmentation- Special Features of Product Development- Product Development Strategies- the Implications of New Technology for Bank Product Development. Pricing Systems- Methods of Pricing- Price Policies: Strategic V. Tactical Goals- the Marketing Programmes of Financial Institutions.

Module F: Marketing Strategies of Financial Institutions

          Introduction- Corporate Planning- Formulating a Marketing Strategies for Banks and Financial Institutions, Implementing Marketing Strategy. Marketing Strategy of New Products.

Module G: Marketing Administration

          Administering the Marketing Programme- Administration of Retail V. Corporate Financial Markets. Future Outlook.

Module H: Marketing Research in Financial Institutions

          The Role and Functions of Marketing Research in Financial Institutions- The Research Methodology- Evaluating Marketing Research Programmes- Applications of Marketing Research in Financial Institutions.
Module I: Marketing of Financial Services in Bangladesh

 

References:

1          Andrew, Kenneth. Bank Marketing Handbook.
2          Arthur, Mechian. Bank Marketing Management.
3          Kotler, Marketing Management

PAPER 4 : LAWS AND PRACTICE OF BANKING

PAPER 4 : LAWS AND PRACTICE OF BANKING

Full Marks : 100

Module A: Business Related Laws

          Company Act
          Contract Act
          Transfer of Property Act
          Limitation Act
          Bankruptcy Act
          Sale of Goods Act
          Stamp Act
          Partnership Act
          Registration Act

 Module B: Financial Institutions Related Laws

          Bank Company Act
          Financial Institutions Act
          Bangladesh Bank Order
          Bankers Book Evidence Act
          Artho Rin Adalat

 Module C: Financial Instrument Related Laws

          Negotiable Instrument Act
          Money Laundering Prevention Ordinance & Anti Terrorism Ordinance
 

References:

1          Ali, S. Ashraf & Howlader, R.A. Banking Law and Practice
2          Bashar, M.A. Bangladesh Laws on Banks and Banking
3          Debnath, R.M. Banks and Legal Environment
4          Relevant Govt. Gazettes
5          Varshney, P.N. Banking Law and Practice

PAPER 3 : ORGANIZATION AND MANAGEMENT

PAPER 3 : ORGANIZATION AND MANAGEMENT

Full Marks : 100

 Module A: Fundamentals of Organizational Behavior and Environment

 Working with People, Social Systems, Formal and Informal Organization, Mainsprings of Motivation, Motivating Employees, Job Satisfaction, Developing a Sound Organizational Climate. Organizational Structure & Design, Technology & People, Quality of Work Life, The Individual in the Organization.
 

Module B: Leadership and Its Development

 Leadership and Supervision, Employee Participation, Interpersonal and Group Dynamics,
Managing Change & Conflict, Organizational Development and Training.

Module C: Organizational Behavior in Perspective

          Models of Organizational Behavior, Limitations of Organizational Behavior. Applied Aspects of Human & Organizational Behavior in Banks

Module D: Basic Management Concept, Environment and Process

          Management Science, Theory and Practice; Patterns of Management Analysis. Internal Environment, External Environment and Management Process (Planning, Staffing, Organizing, Leading and Controlling).

Module E: Personal Management

          Perspective of Personnel Management, Organization for Personnel Management, Manpower Planning, Job Analysis and Job Evaluation, Personnel Compensation, Manpower Recruitment and Selection, Career Planning, Appraising Personnel Performance, Manpower Development, Handling Personnel Grievances, Disciplinary Actions.

Module F: Organizational Ethics, Business Ethics, Code of Conduct, Conflict Resolutions

References:

1          Davis, Keith. Human Behavior At Work (Organizational Behavior).
2          Hersey, Paul and K.H. Blanchard. Management of Organization Behavior.
3          Ivancevich & Matteson. Organizational Behavior & Management.
4          Juicus, M.J. Personnel Management.
5          Terry, G.R. Principles of Management.
6          Weihrich, Heniz and Harold, Koontz. Management.

PAPER 2 : BUSINESS COMMUNICATION

 PAPER 2 : BUSINESS COMMUNICATION

Full Marks : 100

Module A: Theory and Process of Communication
          Meaning and Importance of Communication, Business and Banking Communication. Principles of Business Communication, Process of Effective Communication (Model), Factors Affecting Communication

 Module B: Classification and Methods of Communication
          Types of Communication, Downward, Upward, Horizontal, External, Internal, Formal, Informal, Oral and Written, Spoken Communication and Listening.

Module C: Fundamentals of Business Writing
          Adaptation and Selection of Words, Construction of Clear Sentences and Paragraphs, Effective Writing. Directness in Initiating Routine Letters, Answering Routine Letters, Indirectness for Bad-News and Persuasion.

Module D: Fundamentals of Report Writing
          The Shorter form Report Structure, Long Formal Reports

Module E: Standard and Physical Aspects of Communication
          Graphic Aids to Communication, Physical Presentation of Reports and Letters, Correctness of Communication.
          Communication in the Financial Institutions and Banks of Bangladesh

References:

  1          Lesiker, Raymond V. Basic Business Communication
  2          Narayan, N.C Complete Banking Correspondence
  3          Singh, L.R. A Guide of Bank Correspondence
  4          Slocun, Keith. Business English with Programmed Reinforcement

PAPER 1 : PRINCIPLES OF ECONOMICS AND BANGLADESH ECONOMY

PAPER 1 : PRINCIPLES OF ECONOMICS AND BANGLADESH ECONOMY

Full Marks : 100

Module A: Concepts of Economics and Demand Supply Analysis
         Economics, Scarcity, Opportunity Cost, Micro and Macro Economics
          Law of Demand and Supply, Changes in Demand and Supply
          Demand Supply Interaction, Market Equilibrium, Shortage and Surplus, Price Ceiling and Floor
          Price Elasticity, Income and Cross Elasticity of Demand

Module B: Production, Cost and Market structure
          Theory of Production and Cost, Law of Variable Proportions, Returns to Scale, Short and Long-Run Costs.
          Different forms of Market: Perfect Competition, Monopoly, Oligopoly and Monopolistic Competition; Their Characteristics and Equilibrium Situations.

Module C: Macroeconomics
          Overview on Macroeconomics; Macroeconomic Goal, Policies and Accounts
          Macroeconomic Accounts: National Income Account, Fiscal Account, Monetary Account and BOP Account.
          Macroeconomic Policies and their Interactions

Module D: Bangladesh Economy
          Structure and Macroeconomic Performance of Bangladesh Economy; Savings, Investment and Capital Formations, Fiscal and Monetary Policies of Bangladesh; Inflation, Unemployment and External Sector Situation of Bangladesh.

References:

1          Dornbusch. R, and Fischer, S. Macroeconomics
2          Mishkin, F.S. The Economics of Money, Banking and Financial Market
3          Ministry of Finance, Bangladesh Economic Review
4          Publications of Bangladesh Bank (Economic Trend, Annual Reports and other reports)
3          Samuelson, P.A and Nordhaus, W.D. Economics