PRINCIPLES OF BANKING (PBA 2000)
Tutor : Ms. Viola Unengu
STATEMENT ABOUT ACADEMIC HONESTY AND INTEGRITY
All students, upon signing this course outline, commit themselves to abide by the policies and rules of the institution. The core activity of ABN is learning and in this respect academic honesty and integrity is very important to ensure that learning is valid, reliable and credible.
ABN therefore does not condone any form of academic dishonesty, including plagiarism and cheating on exams and assessments, amongst other such practices. ABN requires students to always do their own assignments and to produce their own academic work, unless given a group assignment.
Academic Dishonesty includes, but is not limited to:
- Using the ideas, words, works or inventions of someone else as if it is your own work.
- Using the direct words of someone else without quotation marks, even if it is referenced.
- Copying from writings (books, articles, webpages, other students’ assignments, etc.), published or unpublished, without referencing.
- Syndication of a piece of work, all or part of an assignment, by a group of students, unless the assignment was a legitimate group assignment.
- The borrowing and use of another person’s assignment, with or without their knowledge or permission.
- Infringing copyright, including documents copied or cut and pasted from the internet.
- Asking someone else to prepare an assignment for you or to write or sit an assessment for you, whether this is against payment or not.
- Re-submitting work done already for another course or programme as new work, so-called self-plagiarism.
- Bringing notes into an examination or test venue, regardless of whether the notes were used to copy or not.
- Receiving any outside assistance in any form or shape during an examination or test.
All forms of academic dishonesty are viewed as misconduct under ABN Student Rules and Regulations. Students who make themselves guilty of academic dishonesty will be brought before a Disciplinary Committee and may be suspended from studying for a certain time or may be expelled. All students who are found guilty of academic dishonesty shall have an appropriate endorsement on their academic record, which will never be erased.
COURSE INFORMATION
COURSE CODE AND TITLE: PRINCIPLES OF BANKING [PBA 2000]
OBJECTIVE OF THE COURSE:
The aim of this course is to introduce the banking principles. This course seeks to equip students with the necessary skills, knowledge to understand banking rules and its legislative environment.
NQF Level: 6
CREDITS:
PREREQUISITES: None
EXIT Learning Outcomes:
Upon successful completion of this course, students will be able to understand the operations of banks, its legal environment:
Course Content
1. Bank Organization
1. Organization of Banking Firms
2. Operational Goals
3. Mission and Policy Statements
4. Performance Objectives and Measurements
5. Financial Statement Related Terms
2. Bank Customers And Earnings
1. Bank Customers (U.S. Experience)
2. How Banks Earn Money
3. Sources of Funds
4. Fee Income
5. Lending to Customers
6. Credit Scoring
3. Cash Management And Credit Services
1. Importance of Cash Management and Credit Services
2. Cash Management Services
3. Credit Services
4. Noninterest Fee Services
5. Other Business-Oriented Services
6. Market Related Terms
4. E-Banking Services
1. E-Banking
2. Internet Banking
3. Credit Risk Related Terms
5. Consumer Products
1. Full Service Banking
2. Consumer Products and Services
3. Deposit Products
4. Loan Products
5. Account Related Terms
6. Consumer And International Banking Services
1. Stability of the Banking System
2. Consumer Services
3. International Banking
4. Banking Environment and Banking Services
5. Loan Related Terms
7. Financial Planning Products
1. Importance of Financial Planning Services
2. Investment Services
3. Retirement Accounts
4. Insurance Products
5. Bank Management Related Terms
8. Trust Services And Deposits Products
1. Trust Services
2. Trust Administration Services
3. Executor and Responsibilities
4. Business Products and Services
5. Deposit Products
6. Banking Institutions Related Terms
9. Banks Investment In Securities And Funding Issues
1. Importance of Banks in the Economy
2. Bank Operating Costs
3. Types of Investments
4. U.S. Treasury Securities
5. U.S. Federal Agency Securities
6. Bank Business Loans
7. Securities Issues
8. Funding Governments
9. The Credit Decision
10. Banking Operations and Investment Services
11. Financial Products Related Terms
10. Meaning And Importance Of Collateral
1. Basic Principles of Lending
2. Definition of Collateral
3. Definition of Contractual Capacity
4. Value given to the Bank for Collateral Purposes
5. Types of Collateral
6. Bonds over Immoveable and Moveable Property
7. Types of Continuing Covering Mortgage Bond (CCMB’s)
8. Bonds over Moveable Property (Notarial Bonds)
9. Pledges
10. Types of Cessions
11. Suretyships
12. Collateral Related Terms
IMPORTANT DATES:
NOTE: The following dates are subject to change based on the needs of the students at the lecturer’s prerogative. Students will be notified ahead of time of any changes.
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ASSESSMENT AND EVALUATION: Continuous assessment 50%
Examination 50%; 1 x 3 hour examination paper
Minimum pass requirement for this course: 50%
COURSE POLICIES
General Academic Policies:
It is the student's responsibility to be familiar with and adhere to ABN’s Policies.
AUTHORISATION:
This course is authorized for use by:
___________________________________
__________________________
Head of Department Date
ACKNOWLEDGEMENT BY STUDENT
(To be completed by all students on the course, detached from the course outline and kept on record in the department)
I, (insert name), (Student number), hereby acknowledge that I have received this course outline for (insert course title and code), and that I have familiarised myself with its content, in particular the statement about academic honesty and integrity. I agree to abide by the Policies and arrangements spelt out in this course outline.