CBSE | DEPARTMENT OF SKILL EDUCATION

CURRICULUM FOR SESSION 2023-2024

BANKING (SUBJECT CODE 811)
JOB ROLE: Sales Executive (Banking product)
CLASS–XI & XII
COURSE OVERVIEW:
Banker may refer to: a person who provides financial banking services and typically
works in a bank. A bank is a financial institution which is involved in borrowing and
lending money. Banks take customer deposits in return for paying customers an annual
interest payment. The bank then uses the majority of these deposits to lend to other
customers for a variety of loans.
Banks provide a safe haven for the savings of individuals and businesses, they support
productive human endeavor and economic growth by efficiently and effectively allocating
funds, and they bridge the divergent maturity needs of short- term depositors and long-
term borrowers.
The main objectives of the Bank are listed and prioritized in the Law: To maintain price
stability; to support other objectives of the Government's economic policy, especially
growth, employment, and reducing social gaps; and supporting the stability of the
financial system.
This course provides an introduction to banking services and financial institutions;
students also compare the operations of national and state banks. Students examine the
principles of banking transactions and the various services of a bank.

OBJECTIVES OF THE COURSE:

In this course, the students will be introduced to the fundamentals concepts of banking
and functions of various banks available in our country. This course prepare the students
to take up various positions in the banking industry and financial services industry. The
course is also a stepping stone for students aspiring to undertake higher education in
Commerce, Banking, Management, etc. Following are the main objectives of this course.

 To familiarize the students regarding various functions and concepts of bank

and career opportunities available in these fields.
 To develop practical understanding among the students associated with banks
working and organizing through classroom discussion/ participation and
projects.
 To provide brief insight about the structure of bank in our country and
organization of bank branch.
 To provide knowledge to students in concise and understandable format so that
students could learn and apply these concepts in their career for the growth.
 To develop skills in students which are required for banking career

 Customer Dealing

 People with patience

 People good with numbers and accounting

 Good Analytical Skills

811-Banking-Class XI-XII-2023-24
 SALIENT FEATURES:
In this modern time, money and its necessity is very important. A developed financial
system of the country ensures to attain development. A bank provides valuable services
to a country. To attain development there should be a good developed financial system
to support not only the economic but also the society. So, a bank plays a vital role in the
socio economic matters of the country.

 The important role of banks:

 It promotes saving habit of people

 Capital formation and promote industry.

 Generates employment opportunities

 Facilitating Trade and Commerce Industry

 Applying of monitory policy

LIST OF EQUIPMENT AND MATERIALS:

The list given below is suggestive and exhaustive list should be prepared by the
vocational teacher. Only basic tools, equipment and accessories should be procured by
the institution so that the routine tasks can be performed by the students regularly for
acquiring adequate practical experience.

Teaching/Training Aids:
 Forms available in bank for various purpose such as Pay-in-slip, Withdrawal slip,
account opening form, etc.

 RTGS and NEFT forms

 Specimen of Debit card and credit card.

 A dummy bank space created to show the bank’s functioning.

 Posters showing ATM, passbook printing machine, cash deposit machine, etc.

 Computer

 LCD Projector

 Projection Screen

 White/Black Board

 Chart papers

811-Banking-Class XI-XII-2023-24
 CAREER OPPORTUNITIES:
 Number of opportunities in banking industry – students who have successfully
completed the course can join the banking industry.
 Opportunities in financial services industry

 Students can join corporate sector in Finance, Marketing, HR and other

administrative departments.
 KPO/BPO industry: Enormous opportunities for commerce students.

 Taxation: Many jobs related to taxation created after liberalizing Indian economy.

 Job roles in companies, banks, financial institutions, insurance companies,

commercial firms, business houses, Reserve Bank of India, Foreign banks
 This course prepares the students to take up various positions in the banking
industry and financial services industry. The course is also a stepping stone for
students aspiring to undertake higher education in Commerce, Banking,
Management, etc. After completion of B.Com or .VOC (Bank management),
students can go for employment in public or private sector banks and financial services
industry

VERTICAL MOBILITY:

After 12th standard, a student can opt for some of the notable academic programs –

 B.Com. (Bachelor of Commerce)


 B. Voc. (Banking operations)

 Bachelor of Economics

 CA (Chartered Accountancy)

811-Banking-Class XI-XII-2023-24
 BANKING (SUBJECT CODE 811)
CLASS –XI (SESSION 2023-2024)
Total Marks: 100 (Theory-60+Practical-40)

NO. OF HOURS MAX. MARKS

for Theory and for Theory and
UNITS
Practical Practical
260 100
Employability Skills
Unit 1 : Communication Skills-III 13 2
2
Part A

Unit 2 : Self-Management Skills-III 07

Unit 3 : ICT Skills-III 13 2

Unit 4 : Entrepreneurial Skills-III 10 2

Unit 5 : Green Skills-III 07 2

Total 50 10
Subject Specific Skills
Unit 1: Introduction 10 05
Part B

Unit 2: Banker & customer 40 10

Unit 3: Employment of Bank Funds 50 20
Unit 4: Negotiable Instruments 40 15
Total 140 50
Practical Work
Project 10
Part C

Viva 05
Practical File 70 15
Demonstration of skill competency via Lab
10
Activities
Total 70 40

GRAND TOTAL 260 100

NOTE: The detailed Curriculum/ Topics to be covered under Part A: Employability Skills can
be downloaded from CBSE website.
 DETAILED CURRICULUM/TOPICS:
Part-A: EMPLOYABILITY SKILLS

S. No. Units Duration in

Hours
1. Unit 1: Communication Skills-III 13
2. Unit 2: Self-Management Skills-III 07
3. Unit 3: ICT Skills-III 13
4. Unit 4: Entrepreneurial Skills-III 10
5. Unit 5: Green Skills-III 07
TOTAL DURATION 50

Detailed Curriculum/ Topics to be covered under Part A: Employability Skills can be

downloaded from CBSE website.

Part-B – SUBJECT SPECIFIC SKILLS (Class XI)

S. No. Units Duration in

Hours
1. Unit 1: Introduction 10
2. Unit 2: Banker & customer 40
3. Unit 3: Employment of Bank Funds 50
4. Unit 4: Negotiable Instruments 40
Total 140

S. No. Unit Sessions

1. Introduction  Definition of Banking
 Basic functions of a Banker
 Banking System in India
 Commercial Banks concept and its types
 Co-operative Banks

 Reserve Bank of India

 RBI Structure
 Functions of RBI
 New initiatives in Banking
2. Banker & customer  Relationship between Banker and Customer
 Special Types of Customers
 Retail and Wholesale Banking
 Deposit Accounts
 Opening and Operations of Accounts
 Nomination
 KYC Requirements
 Pass Books
 Minors
 Partnerships & Companies

3 Employment of  Liquid Assets-Cash in Hand, Cash with RBI & Cash with
Bank Funds
other Banks
 Investment in Securities
 Advances - Secured and Unsecured
 Loans
 Term Deposit
 Cash Credit
 Overdrafts
 Bills Discounting & Purchase
 Modes of creating charge on securities
 Types of Security

4 Negotiable  Definition & Characteristics of Cheques

Instruments
 Bills of Exchange& Promissory Notes
 Crossings
 Endorsement
 Dishonour, Noting and Protesting of BE
 Liabilities of Parties
 BANKING (SUBJECT CODE 811)
CURRICULUM FOR CLASS–XII SESSION 2023-24
Total Marks: 100 (Theory-60 + Practical-40)

NO. OF HOURS MAX. MARKS

for Theory and for Theory and
UNITS
Practical Practical
260 100
Employability Skills
Unit 1 : Communication Skills-IV 13 2
Part A

Unit 2 : Self-Management Skills- IV 07 2

Unit 3 : ICT Skills- IV 13 2
Unit 4 : Entrepreneurial Skills- IV 10 2
Unit 5 : Green Skills- IV 07 2
Total 50 10
Subject Specific Skills
Unit 1: Ancillary Services of Banks 10 10
Unit 2: Innovations in Banking Technology 25 07
Part B

Unit 3: Organization of a Bank Branch 35 10

Unit 4: Basics of Business Mathematics 35 10
Unit 5: Reserve Bank of India Regulations on
20 08
Banks
Unit 6: Performa of Final Accounts of Banking
15 05
Companies
Total 140 50
Practical Work
Project 10
Part C

Viva 05
Practical File 15
70
Demonstration of skill competency via Lab
Activities 10
Total 70 40
GRAND TOTAL 260 100
DETAILED CURRICULUM/TOPICS:

Part-A: EMPLOYABILITY SKILLS

S. No. Units Duration in

Hours
1. Unit 1: Communication Skills-IV 13
2. Unit 2: Self-management Skills-IV 07
3. Unit 3: Information and Communication Technology Skills-IV 13
4. Unit 4: Entrepreneurial Skills-IV 10
5. Unit 5: Green Skills-IV 07
TOTAL DURATION 50

The detailed Curriculum/ Topics to be covered under Part A: Employability Skills can be
downloaded from CBSE website.

Part-B – SUBJECT SPECIFIC SKILLS (Class XII)

S. No. Units Duration in

Hours
1. Unit 1: Ancillary Services of Banks 10
2. Unit 2: Innovations in Banking Technology 25
3. Unit 3: Organization of a Bank Branch 35
4. Unit 4: Basics of Business Mathematics 35
5. Unit 5: Reserve Bank of India Regulations on Banks 20
6. Unit 6: Performa of Final Accounts of Banking Companies 15
TOTAL DURATION 140
S. No. Unit Sessions
1. Ancillary Services  Safe custody of valuables.
of Banks  Lockers.
 Remittances – RTGS/NEFT/Drafts.
 Fee based services- Issuing Guarantees and letters of credit.
 Selling Third Party Products- Insurance and Mutual fund units.
 Credit Cards, Debit Cards.
 Brokerage and Demat Services.
2. Innovations in Bank Computerization.
Banking  Core Banking.
Technology  Online Banking.
 Mobile Banking.
 Internet Banking.
 ATMs.
3. Organization of a  Bank Branch Set up, Strong Room.
Bank Branch  Front Office, Back Office.
 Security Arrangements in Bank.
 Clearing Houses.

4. Basics of Business  Calculation of simple interest and Compound Interest.

Mathematics  Calculations of interest on fixed rate and Floating rate.
 Calculation of EMIs.
 Calculations of interest on Savings Accounts.
 Calculations of date of maturity of bills of exchange

5. Reserve Bank of  Cash Reserve Ratio.

India Regulations  Statutory Liquidity Ratio.
on Banks  Bank Rate.
 Repo Rate.
 Reverse Repo Rate.
 Base Rate.
6. Performa of Final  Profit & Loss Account and Balance Sheet.
Accounts of
Banking
Companies
 PRACTICAL GUIDELINES FOR CLASS XI

Assessment of performance:

The two internal examiners, assigned for the conduct and assessment of Practical Examinations
each in Senior Secondary School Curriculum (Under NSQF).Question for the viva examinations
should be conducted by both the examiners. Question to be more of General nature, project work
or the curriculum. Investigatory Project especially those that show considerable amount of effort
and originality, on the part of the student, should get suitable high marks, while project of a
routine or stereotyped nature should only receive MEDIOCRE marks.

Procedure for Record of Marks in the Practical answer-books:

The examiner will indicate separately marks of practical examination on the title page of the
answer-books under the following heads:-

Project -10 marks

Projects for the final practical is given below .Student may be assigned

Viva based on Project -05 marks

The teacher conducting the final practical examination may ask verbal questions related to the
project, if any, done by the student. Alternatively, if no project has been assigned to the students,
viva may be based on questions of practical nature from the field of subject as per the Curriculum

Practical File -15 Marks

Students to make a power point presentation / assignment / practical file / report. Instructor shall
assign them any outlet to study the elements in retailing.

Suggested list of Practical –

1. Collecting of information about the sources of income and calculate the tentative tax
payable by them for the relevant financial year.

2. Visit the websites of five different commercial banks (Three Public sector and two private
sector banks) and get the details of the various Retail Banking Products offered by them.
 3. Prepare a comprehensive report for each of these banks covering the following: Retail
banking product (One asset and one liability product) best suited for the people in
different stages of the cycle e.g. a young executive who recently joined the job, A
housewife, an elderly lady with no dependents, A retired person, A member of armed
forces etc.

4. List various documents to be submitted by the customers for applying for each product.
You can obtain sample forms from any of the banks.

5. Prepare a comprehensive report for each of these banks covering the following:

a) Retail banking product (One asset and one liability product) best suited for the
people in different stages of the cycle e.g. a young executive who recently joined
the job, A housewife, an elderly lady with no dependents, A retired person, A
member of armed forested.
b) List various documents to be submitted by the customers for applying for each
product. You can obtain sample forms from any of the banks.
Explain the operational details for each of the products

6. Visit the websites of five different commercial banks (Three Public sector and two private
sector banks) and get the details of the various Retail Banking Products offered by them.

Demonstration of skill competency in Lab Activities -10 marks

Guidelines for Project Preparation:

The final project work should encompass chapters on:

a) Introduction,

b) Identification of core and advance issues,

c) Learning and understanding and

d) Observation during the project period.

 PRACTICAL GUIDELINES FOR CLASS XII

Assessment of performance:

In class XII: One Internal and one External examiner, assigned for the conduct and
assessment of Practical Examinations each in Senior Secondary School Curriculum
(Under NSQF). Question for the viva examinations should be conducted by both the
examiners. Question to be more of General nature, project work or the curriculum.
Investigatory Project especially those that show considerable amount of effort and
originality, on the part of the student, should get suitable high marks, while project of a
routine or stereotyped nature should only receive MEDIOCRE marks.

Procedure for Record of Marks in the Practical answer-books:

The examiner will indicate separately marks of practical examination on the title page of
the answer-books under the following heads:-

Project -10 marks

Projects for the final practical is given below .Student may be assigned

Viva based on Project -05 marks

The teacher conducting the final practical examination may ask verbal questions related
to the project, if any, done by the student. Alternatively, if no project has been assigned
to the students, viva may be based on questions of practical nature from the field of
subject as per the Curriculum
Practical File -15 Marks
Students to make a power point presentation / assignment / practical file / report.
Instructor shall assign them any outlet to study the elements in retailing.

Suggested list of Practical –

1. Visit nearest branch of any Bank and collect details regarding different modes of
transferring funds from one person to another. Also collect sample
documents/forms for each of such modes of transfer. Tabulate the advantages
and disadvantages for each mode of payment system.
 2. Download the Balance Sheet of a public sector bank and a private sector bank as at
31st March of current year from their websites and compare the composition of their
deposits like % of demand deposits to total deposits, Profitability, composition of their
loans, Total interest earned etc. and comment which sector bank is better managed
from profit point of view.

3. Visit nearest branch of any Bank and collect details regarding different modes of
transferring funds from one person to another. Also collect sample documents/forms for
each of such modes of transfer. Tabulate the advantages and disadvantages for each
mode of payment system.

4. Download the Balance Sheet of a public sector bank and a private sector bank as at
31st March of current year from their websites and compare the composition of their
deposits like % of demand deposits to total deposits, Profitability, composition of their
loans, Total interest earned etc. and comment which sector bank is better managed
from profit point of view.

Demonstration of skill competency in Lab Activities -10 marks

Guidelines for Project Preparation:

The final project work should encompass chapters on:

a. Introduction,

b. Identification of core and advance issues,

c. Learning and understanding and

d. Observation during the project period.