Welcome To B. K. Birla College of Arts, Science & Commerce, Kalyan

B. K. Birla Institutes

B. K. Birla Institutes

Welcome To B. K. Birla College of Arts, Science & Commerce, Kalyan                Welcome To B. K. Birla College of Arts, Science & Commerce, Kalyan                Welcome To B. K. Birla College of Arts, Science & Commerce, Kalyan                Welcome To B. K. Birla College of Arts, Science & Commerce, Kalyan               
Faculty
Student

Bachelor of Banking and Insurance
(B.B.I.)

Key Information

Eligibility

Duration

3 Years

Programme Code

Course Type

Bachelor Degree

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Curriculum

Semester - I

Sr. No. Paper Title of Paper Credits
1 Major Accounting for Banking  Professionals 03
2 Major Principles and Practices of Banking Sector 03
3 Minor Legal aspect in Banking and Insurance sector 04
4 Vocational skill course (VSE) Indian Union Budget: Structure and Impact 02
5 Skill Enhancement Course (SEC) Business Mathematics 02
6 Ability Enhancement Course (AEC) English- I 02
7 Value Education Course Environmental Studies- I 02
8 Indian Knowledge System (IKS) Self- understanding: Indian Perspective 02
Student will have to choose one subject from the basket of open electives offered to him/her compulsorily
Total 22

Course Outcomes (CO)

Title of Course Course Outcome
Accounting for Banking Professionals 1. To acquaint the fundamental of accounting in banking.
2. To explain the Financial Statement Analysis for Banks.
3. To acquaint the Bank Capital and Regulatory Reporting.
4. To understand about the IFRS and Risk Management.
Principles and Practices of Banking Sector 1. To acquaint the fundamental principles of banking supervision and its practices in India.
2. To understand the scope and functions of Banking.
3. To explain about the various technologies used in types of accounts in banks.
4. To study the Banking scenario in India.
Legal aspect in Banking and Insurance sector 1. Students will be able to identify the key elements such as offer, acceptance, consent, consideration, capacity, and classification of contracts, and apply these principles in real-life contract scenarios.
2. Learners will be able to differentiate between the sale of goods and an agreement to sell, and understand the rights and responsibilities of the unpaid seller and the legal implications of conditions and warranties.
3. Students will be equipped to distinguish between various types of negotiable instruments, understand their legal functioning, and apply the provisions for dishonor, endorsements, and liabilities of the holder.
4. Students will develop the ability to explain the regulatory framework for e-governance, digital signatures, and cyber laws, and understand the legal requirements for electronic records and communications in India.
Indian Union Budget: Structure and Impact 1. Students will be able to define the Union Budget and explain its significance in economic policy and governance in India. They will grasp the historical evolution of the Union Budget, its constitutional provisions, and the roles of key players such as the Finance Minister, President, Parliament, RBI, and CAG.
2. Students will be able to differentiate between Revenue and Capital Budgets and understand the budget’s receipts and expenditures.
3. Students will gain the ability to analyze how the Union Budget influences various economic sectors, including agriculture, industry, services, infrastructure, healthcare, and education.
4. Students will understand the recent trends and reforms in the Union Budget, including the introduction of GST, digital budgeting, and specialized budget formats like the gender and green budget.
Business Mathematics 1. Apply the knowledge of Mathematics (Algebra, Matrices, Calculus, Optimization) in solving business problems.
2. Demonstrate mathematical skills required in mathematically intensive areas in Commerce such as Finance and Economics.
3. Understand the important role Mathematics plays in all facets of the business world.
4. Understand the use of equations, formulae, and mathematical expressions and relationships in a variety of contexts.
English- I 1. Use Business English with accuracy and fluency.
2. Demonstrate the ability to communicate effectively in situations including meetings, negotiations, telephoning skills, presentations, etc.
3. Display command over administrative and persuasive skills and proficiency in corporate communication.
4. Learn to prepare trade letters
Environmental Studies- I 1. Students will be able to define the environment and explain its key components
2. Students will gain the ability to identify different types of ecosystems (terrestrial, aquatic, etc.), and understand the roles of producers, consumers, and decomposers in an ecosystem.
3. Students will understand various contemporary environmental issues such as pollution (air, water, soil) and their impacts on ecosystems and human health.
4. Students will become aware of the need for sustainable development and the importance of environmental protection.
Self- understanding: Indian Perspective 1. Students will be able to explain the core concepts and historical significance of IKS and its relevance in modern contexts.
2. Students will be able to identify and analyze ancient Indian contributions across various disciplines like architecture, agriculture, astronomy, and the arts.
3. Students will be able to evaluate the impact of colonial education policies and articulate the value of indigenous knowledge systems.

Semester - II

Sr. No. Paper Title of Paper Credits
1 Major Basics of Applied Costing in Banking & Insurance Sector 03
2 Major Retail Banking 03
3 Minor Principles of Insurance Sector 04
4 Vocational skill course (VSE) Investment Banking 02
5 Skill Enhancement Course (SEC) Public Relations & Corporate Communication 02
6 Ability Enhancement Course (AEC)             English- II 02
7 Value Education Course Environmental Studies- II 02
8 Indian Knowledge System (IKS) French/ German/ Spanish/ Japanese/ Korean/ Foundation of Physical Education / Foundation of Yoga 02
Student will have to choose one subject from the basket of open electives offered to him/her compulsorily
Total 22

Course Outcomes (CO)

Title of Course Course Outcome
Basics of Applied Costing in Banking & Insurance Sector 1. Understand the several cost concepts involved while working in Banking & Insurance sector.
2. Recognize the importance of the basic elements of cost in cost ascertainment.
3. Apply the methods implicated in cost for better performance.
4. Construe the impact of the select cost method.
Retail Banking 1. Students will be able to differentiate between retail, corporate, and wholesale banking, and gain insights into the history, scope, and key functions of retail banking in the financial sector.
2. Learners will acquire the knowledge to assess customer requirements, understand the approval process, and apply credit scoring principles when offering various retail banking products.
3. Students will be able to identify key trends in retail banking and understand the potential for cross-selling and new product offerings to enhance customer engagement and bank profitability.
4. Learners will be able to understand the different methods used for recovering retail loans, assess challenges in loan recovery, and implement strategies to minimize defaults in the retail banking sector.
Principles of Insurance Sector 1. To acquaint the fundamental principles of Insurance supervision and its practices in India.
2. To explain about the various technologies used in Insurance.
3. To acquaint the working of insurance companies and insurance Industry Environment.
4. To understand the different types of Insurance.
Investment Banking 1. Students will gain a clear understanding of what investment banking is, its evolution over time, and the various types of investment banks and their roles in the financial system.
2. Learners will be able to explain the key functions of investment banks, such as underwriting, mergers and acquisitions, trading, and asset management, and understand their role in handling securities.
3. Students will be able to identify the key objectives of investment management, assess the investment environment, and understand different investment alternatives along with the risks associated with them, such as market risk and business risk.
4. Learners will be able to develop investment plans tailored to individual investors, taking into account their risk tolerance, investment goals, and the types of investments best suited for their financial situation.
Public Relations & Corporate Communication 1. Students will be able to define public relations, recognize its role and importance in business, and identify its objectives and scope in both organizational and societal contexts.
2. Learners will be able to trace the development of public relations in India and globally, understand the factors driving its international emergence, and recognize the role of PR in shaping business and society.
3. Students will be able to explain the scope of corporate communication, its necessity in today’s business world, and its specific application and importance in the Indian context.
4. Learners will be able to define and distinguish between corporate identity, image, and reputation, and identify how each impacts the success and perception of an organization.
English- II 1. Understand the nuances of email etiquette and will be able to communicate effectively in both formal and informal contexts and draft professional emails, including inquiry emails, invitations, thank you notes, and permission requests.
2. Understand the basic language skills - speaking and writing skills.
3. Understand the components and structure of different types of reports (activity report, newspaper report) and write an activity report and a newspaper-style report, presenting facts and analysis in an organized way.
4. Develop creativity required for speaking (Inaugural, Farewell, Vote of Thanks, Interviews) and dialogues.
Environmental Studies- II 1. Students will be able to identify different types of natural resources and suggest effective conservation methods to ensure their sustainable use.
2. Students will understand the harmful effects of solid waste pollution on health and the environment and the importance of managing waste sustainably.
3. Students will recognize the role of key environmental movements in India and understand their contributions to environmental conservation and policy change.
4. Students will be able to apply concepts of environmental management and recognize the importance of standards like ISO 14000, carbon credits, and EIA in environmental protection.

Semester - III

Sr. No. Paper Title of Paper Credits
1 Major Corporate Banking 03
2 Major Digital Banking and Insurance 03
3 Minor        Micro Economics 04
4 Major Overview of Insurance Sector 02
5 VSC Business Statistics 02
6 AEC Hindi/ Marathi 02
7 CEP Rotaract Club or NSS/Young Giants 02
8 Co- Curricular Physical Fitness or Yoga and Wellness 02
Total 20

Course Outcomes (CO)

Title of Course Course Outcome
Corporate Banking 1. Students should demonstrate a thorough understanding of the principles, functions, and importance of corporate banking within the financial services industry.
2. Students should be able to identify, evaluate, and mitigate credit risks associated with corporate lending activities, using appropriate risk assessment techniques and tools.
3. Students should be familiar with various corporate lending products and services offered by banks, including their features, benefits, and application in different business contexts.
4. Students should be able to assess the risks and rewards associated with corporate lending proposals, make informed lending decisions, and manage risks effectively.
Digital Banking and Insurance 1. Students will be able to understand the need for digital banking products, identify the approval processes for cards, and assess the profitability and back-end operations associated with these products.
2. Learners will be able to explain how internet banking integrates with e-commerce, evaluate the profitability of internet banking, and understand the operational aspects of POS terminals in digital banking.
3. Students will gain the ability to assess how branchless banking and digital banking products contribute to financial inclusion and understand the role of business correspondents and facilitators in expanding access to banking services.
4. Learners will be able to analyze and compare various global and domestic payment systems, identify their features, and understand the security, privacy, and legal issues involved in digital banking transactions.
Micro Economics 1. Upon completion of the course, students should demonstrate a solid understanding of fundamental economic concepts and theories, including supply and demand, market structures, and economic indicators.
2. Students should be able to analyze macroeconomic factors such as GDP growth, inflation, unemployment, interest rates, and government fiscal policies, and evaluate their implications for banking and insurance operations.
3. Students should gain knowledge of monetary policy tools used by central banks to regulate money supply and interest rates, as well as fiscal policy measures employed by governments to influence economic activity, and understand their impact on banking and insurance sectors.
4. Students should be able to evaluate the effects of economic policies and reforms, such as liberalization, privatization, and globalization, on banking and insurance operations, and assess their implications for industry practices.
Overview of Insurance Sector 1. Students will be able to explain the key components of life insurance, including the Human Life Value approach, the principle of risk pooling, and the factors determining the risk premium for life insurance contracts.
2. Learners will be able to differentiate between various traditional life insurance products offered by LIC, understand their purposes, and explain the role of riders in enhancing coverage.
3. Students will be able to evaluate the non-traditional life insurance products offered by SBI and ICICI, and understand their forms, procedures, and unique benefits compared to traditional life insurance plans.
4. Learners will gain a comprehensive understanding of health insurance, including the regulatory framework, key determinants of risk premiums, and the structure of the health insurance market in India.
Business Statistics 1. Understand the two variables - correlation and regression and their role in solving business problems.
2. Calculate the varies of maturity, bonus and surrender.
3. Frame regression and estimation.
4. Calculate the surrender value.

Semester - IV

Sr. No. Paper Title of Paper Credits
1 Major Financial Reporting Analysis 03
2 Major Business Planning and Entrepreneurship Management 03
3 Minor        Macro Economics 04
4 Major Claim Management 02
5 VSC Universal Banking 02
6 AEC Hindi/ Marathi 02
7 FP Field Project 02
8 Co- Curricular Strength & Conditioning/Nutrition & Diet 02
Total 20

Course Outcomes (CO)

Title of Course Course Outcome
Financial Reporting Analysis 1. Students will be able to apply the legal provisions from the Banking Regulation Act, 1949, to prepare final accounts of banking companies, including statutory reserves, bill discounting, and the classification and management of non-performing assets.
2. Learners will be able to prepare and present the final accounts of insurance companies in accordance with relevant insurance legislation and analyze accounting policies from annual reports of listed insurance companies.
3. Students will be able to prepare financial statements as per the Companies Act, including understanding the necessary disclosures and adjustments required, such as depreciation, provisions for tax, and proposed dividends.
4. Learners will be able to correctly make adjustments in final accounts, such as closing stock, depreciation, outstanding expenses, and unclaimed dividends, following the appropriate accounting standards and principles.
Business Planning and Entrepreneurship Management 1. Learners will understand the fundamentals of Business planning and Developing the business plan.
2. Learners will pick up about Foundation of Entrepreneurship Development and its theories.
3. Learners will explore entrepreneurial skills and management function of a company with special reference to SME sector.
4. Learners will identify the type of entrepreneur and the steps involved in an entrepreneurial venture.
Macro Economics 1. Demonstrate a thorough understanding of the global economic landscape, including major economic regions, trends, and challenges.
2. Analyze theories of international trade and understand the dynamics of global trade patterns, agreements, and their implications for banking and insurance sectors.
3. Evaluate the roles and functions of global financial institutions such as the IMF and World Bank and their influence on global economic stability, development, and financial services sectors.
4. Understand the regulatory frameworks governing banking and insurance operations at the global level, including compliance standards and regulatory requirements.
Claim Management 1. Understand underwriting of insurance.
2. Understand claim management.
3. Recent trends in Insurance.
4. Understand Fire Insurance Claims.
Universal Banking 1. work effectively in the banking sector.
2. use the technology in the working and functioning of banks.
3. complete the activities front and back office.
4. process the microfinance facilities.

Semester - V

Sr. No. Paper Title of Paper Credits
1 Major International Banking & Finance 04
2 Major Customer Relationship Management 03
3 Major Financial Services Management 04
4 Major – Elective Treasury Management
Or
Wealth Management 		04
5 Minor Public Finance 03
6 SEC Insurance Management 03
7 FP Field Project 02
Total 22

Course Outcomes (CO)

Title of Course Course Outcome
International Banking & Finance 1. Understand the impact of global economic trends, trade policies, and international financial institutions on business decision-making.
2. Analyze global investment opportunities, including foreign direct investments (FDIs), international portfolios, and joint ventures.
3. understand about the foreign exchange markets.
4. Identify, assess, and manage financial risks associated with international trade, investments, and foreign exchange fluctuations.
Customer Relationship Management 1. Define the concept of CRM and describe its evolution and significance in the banking sector.
2. Analyze the benefits of CRM for customers and organizations, and explain its key components and barriers.
3. provide insights into CRM marketing initiatives, customer service, and data management.
4. understand the emerging trends in CRM
Financial Services Management 1. Students will identify financial service categories and assess the importance of merchant banking in India.
2. Students will evaluate mutual fund performance and understand factoring and forfaiting processes.
3. Students will analyze securitization structures and apply derivative tools in financial decisions.
4. Students will assess housing finance trends, consumer finance methods, and the functioning of depositories.
Treasury Management 1. demonstrate an in-depth understanding of key treasury functions.
2. acquire the ability to identify, analyze, and mitigate financial risks.
3. understand and apply regulatory requirements, ethical standards, and compliance frameworks essential for effective treasury operations.
4. develop strategic decision-making skills by evaluating market trends, assessing funding sources, and aligning treasury activities with corporate goals.
Public Finance 1. understand the basic principles of public finance and evaluate the role of government intervention in economic stability and its impact on banking and financial inclusion.
2. gain insights into the Indian tax system, understand the economic effects of taxation, and assess its implications for the banking and financial systems.
3. evaluate the economic and social implications of public expenditure and understand its interplay with banking operations and policy implementation.
4. understand the dynamics of public debt and fiscal policy and critically analyze the role of banks and financial institutions in financing deficits and managing public debt.
Insurance Management 1. Learners will gain a comprehensive understanding of the key legal regulations that govern the insurance industry in India, including important Acts such as the LIC Act 1956, IRDA Act 1999, and the General Insurance Act 1972.
2. Learners will be able to explain the legal and procedural requirements related to the suspension, revocation, and termination of an insurance agent’s license.
3. Learners will gain knowledge of the legal dimensions and regulatory mechanisms in the insurance industry.
Wealth Management 1. Gain a comprehensive understanding of Wealth Management and its key areas.
2. Ability to analyze and interpret personal financial statements.
3. Ability to calculate and interpret various financial returns and metrics. 4. calculate and understanding net worth and financial ratios.
5. Ability to create tax-efficient financial strategies for clients.
6. Understand the purpose and need for retirement planning.
Field Project 1. demonstrate the ability to apply theoretical concepts to real-world situations by analyzing and documenting insights gained during the field visit.
2. enhance their research, data collection, and analytical skills by observing, recording, and evaluating processes and practices during the field visit.
3. develop professional communication and reporting skills by preparing a comprehensive project report that summarizes their findings, observations, and recommendations.

Semester - VI

Sr. No. Paper Title of Paper Credits
1 Major Corporate and Securities Law 04
2 Major Banking & Micro Finance 03
3 Major Ethics and Governance in B & I 04
4 Major – Elective Central Banking OR International Finance 04
5 Minor Strategic Management in B & I 03
6 OJT Internship 04
Total 22

Course Outcomes (CO)

Title of Course Course Outcome
Corporate and Securities Law 1. Students will gain the ability to analyze the legal structure and governance of companies, including key concepts like corporate liability, directors' roles, and shareholders' rights.
2. Students will understand the regulatory environment of stock exchanges and acquire skills to evaluate compliance with securities contracts regulations.
3. Students will develop the capability to assess SEBI’s regulatory measures and their impact on market participants and the securities industry.
4. Students will comprehend the functioning of depository systems, their significance in modern securities trading, and the processes for dematerialization and rematerialization.
Banking & Micro Finance 1. gain a clear understanding of the various types of banks and microfinance institutions (MFIs), and how they contribute to financial inclusion and rural development.
2. understand the diverse financial products provided by MFIs, including microcredit, microsavings, and microinsurance, and assess the role of digital technology in their delivery.
3. acquire knowledge of the regulatory policies impacting microfinance institutions in India, and will be able to analyze the operational and financial risks MFIs face, including issues of over-indebtedness and ethical lending.
4. assess the effectiveness of microfinance programs in achieving poverty alleviation, empowerment, and entrepreneurship, and will critically analyze case studies to understand the challenges and trends in the sector.
Ethics and Governance in B & I 1. define key ethical concepts and evaluate ethical issues in business using ethical frameworks and theories.
2. apply ethical principles to solve real-world challenges in marketing, finance, and HRM, ensuring responsible business practices across these domains.
3. critically analyze corporate governance structures and practices, assessing their effectiveness in promoting ethical business operations and stakeholder trust.
4. gain the ability to evaluate CSR initiatives and assess their impact on business reputation, community welfare, and environmental sustainability.
Central Banking 1. The learners will be able to understand and remember the working of central banks and its operations.
2. The learners will know the framework of RBI and understand the policies of RBI.
3. The learners will be able to analyze the role of RBI as a supervisor of all the other banks in the country.
4. The learners will be able to explore the operations of central banks of other countries and it’s role in cyber world.
International Finance 1. understand the Fundamentals of International Finance.
2. understand Foreign Exchange Markets, Exchange Rate Determination & Currency Derivatives.
3. learn the fundamentals of Foreign Exchange (FX) risk management, different types of foreign exchange risks, World Financial Markets & Institutions & Risks
4. Explore the role and responsibilities of a Forex Manager in managing currency exposure.
5. Understand the differences between Foreign Direct Investment (FDI) and Foreign Portfolio Investment (FPI).
6. Comprehend the role of FEDAI (Foreign Exchange Dealers' Association of India) in regulating and managing the Foreign Exchange Market.
Strategic Management in B & I 1. Analyze the company environment, both internal and external, and learn the fundamental concepts and values of strategic management.
2. Students will be capable develop effective plans for organizational growth after gaining a thorough understanding of the concepts of strategy creation, execution, and control.
3. Students will get the practical knowledge and abilities necessary to apply strategic models and concepts to effectively tackle difficult company challenges.
4. establish and execute appropriate operational and strategic assessment and control techniques to achieve optimum results for the organization.

Expert Faculty

Program Outcome (PO)

PO1 : Regulatory Training

To provide training in the field of banking and insurance regulations.

To provide ample exposure to students with market reforms, new banking and insurance policies and regulations.

To explore opportunities, being newly created in Banking & Insurance as the profession.

To acquire a broad knowledge of degree subjects(s) with detailed knowledge.

To provide adequate basic understanding about Banking, Insurance & other financial services to the students and to give an adequate exposure to operational environment in the field of Banking, Insurance & other related financial services.

To inculcate training, and practical approach, by organizing industrial visits, placements and using modem technology in teaching the students in the field of Banking & Insurance.

To be qualified for employment in the graduate employment market or to pursue post graduate training.

Programme Specific Outcomes (PSO)

PSO1 : Domain Foundation

The learner will develop a foundation of Banking and Insurance related policies and practices.

Learners will acquire practical knowledge and resolve practical issues and dilemmas.

Learners will be able to apply technical skills to market challenges in the field of Banking, Insurance and Allied Fields.

Learners will be trained in various skills and social responsibilities towards sustainability and environmental growth.

Building competencies and professional etiquettes through following ethics and morality in the fields of banking and insurance.

Learners will develop individual and interpersonal skill sets to manage the resources in Banking Insurance and allied areas.

Learners will be able to express the acquired knowledge and skills through evaluation and interpretation.

Programme Objectives

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