Financial Institution is an institution regulated by the government which provides financial services for its members or stakeholders. Management of Financial Institutions paper enables DU BMS students to understand the tools and techniques of management of banks and financial institutions.

Here we present Delhi University TYBMS Sem 5 Syllabus – Management of Financial Institutions:

Unit 1 – 12 lectures

  1. Structure of Indian Financial System – an overview
  2. Financial social reforms – context, need and objectives
  3. Major reforms in the last decade
  4. Competition
  5. Deregulation
  6. Capital requirements
  7. Issues in financial reforms and restructuring
  8. Future agenda of reforms
  9. Regulation of banks
  10. NBFCs and FIs: Salient provisions of banking regulation act and RBI act
  11. Role of RBI as a central banker
  12. Products offered by banks and FIs
  13. Retail banking and corporate banking products
  14. Universal banking – need, importance, trends and RBI guidelines
  15. Core banking solution (CBS)
  16. RTGS and internet banking
  17. NBFCs and its types
  18. Comparison between banks and NBFCs

Unit 2 – 11 lectures

  1. Analyzing bank performance
  2. The balance sheet
  3. Income statement
  4. Profitability
  5. Liquidity and solvency analysis
  6. CAMELS Risk System
  7. Asset liability management
  8. RBI guidelines on asset liability management
  9. Liquidity risk
  10. Liquidity management
  11. Setting up prudential limits
  12. Interest rate risk
  13. ALM vis a vis profitability
  14. Factors affecting interest rates
  15. Structure of interest rates
  16. Gap analysis with numerical

Unit 3 – 11 lectures

  1. Investment and Funds management
  2. Funds flow analysis
  3. Borrowing and lending behavior of FIs
  4. Valuation of investments
  5. SLR and CRR management with numerical
  6. Risk management in banks
  7. RBI guidelines on credit risk management
  8. Credit policy
  9. Credit process
  10. Characteristics of different types of loans
  11. Assessing credit risk
  12. Credit risk rating and credit pricing
  13. Exposure norms
  14. Parameters of financing by banks and FIs
  15. Prevention and detection of frauds
  16. Capital adequacy norms
  17. Basel agreement II and III
  18. Effect of capital requirements on bank operating policies

Unit 4 – 11 lectures

  1. Management of non-performing loans
  2. Classification of assets
  3. Income recognition and provisioning norms with numerical
  4. Reasons for NPAs
  5. Preventive and corrective steps
  6. Corporate debt restructuring
  7. Recovery management policy
  8. Compromise and settlements.

Unit 5 – 11 lectures

  1. Insurance companies
  2. Economics of insurance
  3. Life insurance
  4. General insurance
  5. Reinsurance
  6. Insurance sector reforms
  7. Liberalization of insurance sector
  8. Entry norms for insurance sector
  9. Investment management policies
  10. Exposure norms.


Text books and References:

  1. Financial markets and institutions : A modern perspective – Saunders, Anthony and Cornett, Marica Millon
  2. Financial institutions and markets: Structure, growth and innovations – LM Bhole
  3. Financial institutions and market – Madura, Jeff
  5. Teaching will be mainly through latest study material available from RBI, various stock exchanges, market regulators and Government agencies.
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