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UNIT I 12 Hours
Financial System: Institutions, Markets- Primary, Secondary, Money & Capital Markets, Instruments of Money Market, Functions & their economic significance UNIT II 12 Hours
Commercial Banks- Functions, Structure of Commercial banks in India- Source of funds, Investment normsfactors determining liquidity of banks- Asset Structure of Commercial banks- Profitability of banks UNIT III 08 Hours
The Concept of Risk & Insurance- Classification of insurance- Life Insurance- Types of General Insurance of Property, Pecuniary Interest, Liability and person- types of polices, fire, marine, motor, engineering, aviation, agriculture, liability and person UNIT IV 12 Hours
Essential of a contract- Principles applicable to insurance business- utmost good faith- insurable interestindemnity- subrogation and contribution- proximate cause- financial principles- premium funds- investmentsreserves- surplus- valuation of funds. Introduction of risk- Risk appraisal- Risk selection underwritingReinsurance- Concepts and methods- Facultative, treaty reinsurance and various methods UNIT V 12 Hours
Growth and development of insurance- Present day Regulatory environment Insurance act, 1938- IRDA act, 1999- Present Market Environment- Intermediaries- Office organization- Departments- FilesCorrespondence- New technology, Controls REFERENCES:1. G. Kotreswar, Risk Management Insurance & Derivatives- Himalaya Publishing House 2. T.T. Seth, Insurance Principles & Practice- S. Chand, New Delhi 3. Course- IC 01,IC 02, IC 11, IC12, IC25 of Insurance Institute of India, Mumbai 4. L.M.Sbole Financial Institutions and Markets, TMH
5. K.C. Shekar & Laksamy Sheler, Banking Theory & Practice, Vikas Publication (2001)
LESSON PLAN SUBJECT -BANKING & INSURANCE TOTAL NO. OF HOURS- 36 TOTAL MARKS- 100 CLASS NO. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 3 2 MODULE NO. 1
SUBJECT TOPIC TO BE COVERED Introduction about Banking & Insurance Financial Institution, Financial assets, Financial Market Chart for Financial System Primary Market, Secondary Market, Money Market Capital Market, Difference between Capital & Money Market Instruments of Money Market- Treasury Bills (T-Bills), Commercial Papers (CPs) Certificate of Deposits, Call Money Market Repurchase Agreement (Repo), Listing and economic significance Commercial banks Introduction Functions of commercial banks Structure of commercial banks in India Source of funds Investment norms & factors determining liquidity of banks Asset structure of commercial banks Profitability of banks Profitability of commercial banks The concept of Risk & Insurance Classification of Insurance- life insurance Types of general insurance- insurance of property, pecuniary interest Liability & persons Types of policies fire, marine, motor Engineering, aviation, agriculture, liability and person
23 24 25 26 27 28 29 30 31 32 33 34 35 36
Essentials of a contract Principles applicable to insurance business utmost good faith (insurance) and insurable interest Indemnity subrogation & Contribution, proximate causes Financial principles, premium funds Investments reserves- surplus valuation of funds Introduction to risk, risk appraisal Risk selection. Underwriting, reinsurance Concepts and methods- factuative, treaty, reinsurance and various methods
Growth and development of Insurance Present day regulatory environment insurance act 1938 IRDA act, 1999 present market environment Intermediaries- office organization & departments Files, correspondence, new technology, control New technology & control
Syllabus for 1st Internal Test Unit 1, Unit 2 For 2nd Internal Test Unit 3, Unit 4, Unit 5
QUESTION BANK
5 Marks Questions
1. What is a financial system? Discuss the components of the Financial system 2. What are the characteristics and functions of the financial markets 3. A financial system is a well-integrated system whose parts interact with each other comment 4. Distinguish between money market & capital market 5. Distinguish between primary market & secondary market 6. State the functions of a foreign exchange market
7. What is a capital market? What are its major constituents? 8. What are the characteristics of the Financial system 9. What are the characteristics of T-Bills 10. Distinguish between repo & reverse repo 11. Classify the financial intermediaries functioning in the Indian Financial System and bring out their features 12. Treasury bills are important short-term source of finance for the government- explain 13. Write a short note on (i) Commercial papers (ii) Certificate of Deposit 14. Describe the primary market in India 15. Distinguish between the Primary & Secondary Markets 16. What is listing? What are its advantages & Disadvantages 17. What are the services provided by the stock exchanges? What are the distinctive features of stock markets in India
4. How are Commercial banks classified? 5. How do we classify the Indian Commercial banks? 6. What are scheduled commercial banks? 7. What are Unsecured loans 8. What are Secured loan 9. What are General Utility services 10. What is NPAs 11. Define e_banking? 12. Mention the Sources of funds of commercial banks? 13. What are the Primary functions of a bank? 14. What is ATM? 15. Define Particular Lien. 16. Explain Pay-in-Slip books? 17. Explain fixed deposits accounts? 18. Explain current account?
5 Marks Questions
1. Mention the objectives of RBI? 2. Mention the difference between Public sector and private sector banks 3. Distinguish between Indian Banks & Foreign Banks 4. What are the modes of short-term financial assistance of the commercial banks 5. Mention the different methods of Granting Loans by Banks 6. Explain the features of commercial banks 7. What are NPAs 8. Mention the Asset classification and categories of NPAs 9. What are the various factors affecting liquidity of the banks 10. Explain the term (a) liquidity (b) Profitability of a commercial banks 11. What are commercial banks? Explain their features 12. Write the schematic representation of the structure of commercial banks in India 13. Discuss the various sources of funds of a commercial bank
14. Explain the various factors determining the liquidity of banks 15. Write briefly on the profitability of commercial banks
5 Marks Questions
1. Differentiate between pure and speculative risks 2. Differentiate between Diversifiable and Non-Diversifiable risks 3. Mention the Risk Management techniques 4. Briefly describe the role of Insurance in Economic growth 5. Describe the concept of Insurable risk 6. What are the characteristics of Insurance industry 7. Write a short note on the benefits of Insurance 8. Mention the factors affecting individuals demand for the Insurance 9. Explain the factors affecting individuals demand for the Insurance 10. Explain marine Hull Insurance 11. Give two examples of health insurance
12. Describe the various types of risks 13. Describe the classification of Insurance 14. Describe the various types of General Insurance 15. Write the short note on (I) Fire Insurance (2) Marine Insurance 16. Briefly describe the various general Insurance Products
1. What are the four requirements for an Insurance Contract 2. What is the Principle of Utmost Good Faith? 3. What is the Principle of Indemnity? 4. What is Principle of subrogation 5. Define Risk 6. What is Risk Appraisal 7. What are the Objectives of Investment Policy 8. Define underwriting 9. Define Underwriter 10. Mention the two principles of Underwriting 11. What are Underwriting Methods 12. Who are Liability Underwriters 13. What are Reinsurance 14. What are the Objectives of Reinsurance 15. What is treaty reinsurance 16. What are Facultative reinsurance
5 Marks Questions
1. What are the four requirements for an Insurance Contract 2. Mention the types of underwriters 3. Describe principle of Principle of Utmost Good Faith 4. Describe Reinsurance 5. What are Underwriting Methods 6. Explain the concept of risk and classification of risks 7. Explain Risk Appraisal. Mention the various methods 8. Explain the principles and purposes of Underwriting 9. Explain the principles of Insurances 10. Explain the various methods of Underwriting 11. Explain the concept of Reinsurance 12. Explain the various types of Reinsurances
5 Marks Questions
1. Mention the Subsidiaries of GIC 2. What are the purposes of Malhotra Committee 3. What are the Capital requirement and foreign participation according to IRDA 4. Mention the various types of Insurance Intermediaries
5. Explain the purpose of TPA and their roles 6. Explain the composition authority of the Insurance company as per the IRDA act 7. What are the Duties, Powers and Functions IRDA 8. How does DSS helps in Insurance 9. Mention the important provisions of the Insurance Act 10. What are the Challenges of E-Insurance 11. Briefly explain the various Insurance intermediaries and their functions 12. Distinguish between, (a) Agents and Brokers (b) Agents and corporate Agents 13. Explain the provisions of the IRDA act 14. Explain the various provisions of the Insurance Act 15. Explain E-Insurance. Highlight on the advantages and its challenges 16. Write a short note on the application of IT in the field of Insurance
14. Briefly explain the organisational set-up of LIC 15. Briefly discuss the functions of different departments at central office of corporation 16. Explain the various function of divisional office of LIC 17. What functions are performed by the branch offices of LIC 18. Explain new means of technology used in insurance industry. What are the benefits of new technology