Tribhuvan University
Faculty of Management
Office of the Dean
Bachelor of Business Management (BBM)
Course Description
:This course contains introduction of wholesale and retail banking, wholesale bankin g, retail banking, corporate lending vs. consumer lending, credit process for corporate and consumer. Course Details
Course Objective
:Familiarize the students with the knowledge related to banking business , develop skill to acquire knowledge of wholesale and retail baking, make able to know lending p rinciples and practices, various aspect of bank loan, their features, credit risk and other associated risk with wholesale and retail products of bank.
Course Contents:
Lecture hours show the approximate classroom time allocated to each unit.
Unit 8. Emerging Trends and Challenges in Real Estate
- Digital transformation and smart technologies in real estate
- Green buildings and sustainable housing
- Real estate in the informal sector and rural housing challenges
- Post-disaster housing reconstruction (Nepal context)
- Global real estate trends and implications for developing nations.
Unit 1. Introduction
Nature of banking business, Major functions of bank, Different types of FIs and bank, Structure and size of banking industry in Nepal.
Unit 2. Wholesale Banking
Meaning and concept of wholesale banking, Characteristics, Target group of wholesale banking : corporate client and Individual client, Pros and cons of wholesale banking , Corporate salary account, R eal time gross settlement (RTGS) system, Trade finance, Corporate depositors : insurance company, investment trust, and pension fund.
Unit 3. Retail Banking
Meaning and concept of retail banking, Characteristics, Target group, Retail Loan product, Retail deposit product, Emerging issues in retail banking, Motivating factors for retail client, agency services, utility payments , Debit card, credit card and others retail services , modalities of funds transfer and clearing cheques.
Unit 4. Corporate lending Vs. Consumer Lending
Meaning and concept, Characteristics, Motivation factors, Selection of corporate client, Product paper, Credit policy guideline, types of corporate lending : Working capital loan, term loan, mortgage loan, project loan, equity loan, consortium loan, bridge gap loan. Types of consumer loan- Home loan, auto loan, education loan.
Unit 5. Credit Process for Corporate and Consumer Lending
Credit appraisal- 5 c’s Model, SWOT analysis, Industrial analysis, Financial viability of proposed project, evaluation of risk in product. Credit approval, Credit documentation and administration,
References:
Ball, M., Lizieri, C., & MacGregor, B. D. (19 99). The Economics of Commercial Property Markets. Routledge. Brown, G., & Matysiak, G. (2020). Real Estate Investment: A Capital Market Approach. Routledge. Brueggeman, W. B., & Fisher, J. D. (2021). Real Estate Finance and Investments (17th ed.). McGraw Hill. Gopalan, S., & Venkataraman, R. (2018). Real Estate Management: Principles and Practices. PHI Learning. Government of Nepal. (2017). National Urban Development Strategy. Ministry of Urban Development. Gupta, S. (2021). Property Valuation and Real Estate Economics.Himalaya Publishing House. Ling, D. C., & Archer, W. R. (2022). Real Estate Principles: A Value Approach (6th ed.). McGraw Hill. Building Bylaws, 2072 Kathmandu Metropolitan City Development Act, 2075 Kathmandu Valley Development Authority Act, 1988 (2045 BS) Land Act 2021 (1967) Land Revenue Act, 2034 (1978) Local Self Governance Act, 1998 Samyukta Awaas Swamitwa Sambandhi Ein, 2054 Town Development Act, 2045 BS (1988)
BNK 212: Wholesale and Retail Banking Credits: 3 Lecture Hours: 48