BANKING
EMPLOYMENT POTENTIAL * WAGE EMPLOYMENT
. Clerk-cum-Cashier
. Clerk-cum-Godown Keeper
. Clerk-cum-Typist
121
SCHEME OF STUDIES CLASS XI
1 2 3 4 5
Si. No. Subject Pds./Week Examination Total
Th. Prac. Total Th. Hrs. Prac. Hrs. Total
1. Language I 7 - 7 100 3 100
2. Language II or Business 7 - 7 100 3 100
Business Studies (054) Or as per Subject concerned
or Intro. to Computer App.
3. General Foundation
Course 5 - 5 100 3 - - 100
4. Vocational Electives
I. Operation of Bank
Deposits 5 3 8 60 3 40 3 100
II. Handling of Negotiable
Instsuments 5 3 8 60 3 40 3 100
III. Accountancy 5 3 8 60 3 40 3 100
5. Physical & Health Edu. 2 - - - - -
6. On the-job-Training : Total 8 weeks in classes XI & XII as per the
convenience of the collaborating institutions. Suggested
period after class XI vacation and in class XII
autumn and winter break before January.
NOTE : (i) Subjects at SI. Nos. 1,2 (except Introduction to Computer Applications) and 5 are as per Academic Stream. Senior School Curriculum of the concerned year should be referred to for the courses in respect of said subjects.
(ii) Other subject(s) from Academic Stream or from Additional prescribed in the scheme may be offered in lieu of language-II by school if that is in relevance with Horizontal/Upward mobility.
122
GENERAL FOUNDATION COURSE 3 HOURS CLASS XI MARKS : 100
PART I 50 MARKS
A. BUSINESS MANAGEMENT AND ENTREPRENEURSHIP
i. Entrepreneurship Orientation importance and relevance in real life; emphasis on self employment
ii. Enterpreneureal values-attitudes Innovativeness, independence, risk taking, analytical ability
iii. Enterpreneur motivation Achievement, planning, personal efficacy, entrepreneur goal setting.
iv. Launching of a business venture Identification of project, steps in setting up a business, information about various institutions providing assistance, project formulation.
B. COMPUTATIONAL SKILLS i Percentage, ratio and proportion profit and loss, discount, simple and compound interest, Population growth and depreciation of value, of articles using log. (6)
ii. Area and volume rectangle, parallelogram, circle, cube, cone, cylinder and sphere. (4)
C. ENVIRONMENTAL EDUCATION i. Environment and society,
ii. Environmental properties/risk in different economic enterprises; use of raw materials, processing/ manufacturing and designing
iii. Poverty and Environment.
D. RURAL DEVELOPMENT i. Agriculture the backbone of Indian economy
ii. Rural Development projects in India including Integrated Rural Development programme
iii. Agro-based Rural industries
iv. Community project for rural development
123
PART II. 50 MARKS
A. Nature and purpose of business 5
Classification of business activities - industry, commerce and trade, objectives of business
B. Types of business undertakings-their characteristics and ownership forms.12
i. Private enterprise: Proprietorship, Joint Stock Companies, Cooperative Societies and joint Hindu Family business.
ii. Public enterprise: rationale, forms-statutory corporations, companies, departmental and joint sector.
C. Financial institutions. 10
Development banks (IDBI, IFCI, ICICI) mutual funds (UTI)
D. Organisation of internal trade 8
Channels of distribution, wholesaling and retailing.
E. Financial system and structure of Banking 15
Nature of Indian finacial system, money market, definition of bank and banker customer relationship, need to imporve customer service, accounts of customer.
124
ELECTIVE I
OPERATION OF BANK DEPOSITS 3 HOURS CLASS XI MARKS : 60
Theory
1. Banker customer Relationship 20
Definition of Banker - Customer relationship nature of relationship between bank and customers. Types of customer, services provided to the customers.
2. Deposit Accounts 20
Types of deposit accounts
. Savings Account . Current Account
. Term Deposit Account . Other Deposit Schemes
Rules regarding opening and operation of various types of Deposit Accounts including settlement of balance
3. Types of Account Holders 20
. Single Account . joint Account
. Minor Account . Sole Proprietorship
. Partnership
. Company Account - Pvt. Ltd. & Public Ltd.
. Trust Account, Liquidator Accounts, Association and Club Accounts.
PRACTICAL
OPERATION OF BANK DEPOSITS 3 HOURS MARKS : 40
1. Filling of form to be used for opening
. Savings Account . Current Account
. Term Deposit Account
2. Preparation of savings Bank Passbook.
3. Calculation of interest with respect to savings, Current and Term Deposits.
4. Documents to be submitted by different Account holders while opening Accounts.
5. Preparation of statements of Accounts for customers.
6. Transfer of Deposit Account from one branch to another branch.
7. Handling of standing instructions.
125
ELECTIVE II
HANDLING OF NEGOTIABLE INSTRUMENTS 3. Hours CLASS XI MARKS : 60
Theory
1. Negotiable instruments 20
. Meaning, kinds of Negotiable instruments
. Cheques, Bills of exchange & Promissory Notes,
. Hundies-Definition and characteristics
. Bearer/order cheques
. Crossing-meaning and kinds
. Endorsement-Meaning and Rules
. Negotiation/Transferability/Assignment.
2. Payment of Cheques 15
. Meaning
. Rules/Precautions to be taken as paying Bankers
. When payment of cheques can be stopped
. Legal position regarding payment of cheques
. Dishonour of cheques
. Payment in Due Course, Sans Course
3. Collection of cheques/Bills of Exchange/Demand Drafts 15
Bills of Excahnge-Draft-meaning-Statutory precautions to be taken as
collecting Banker, Legal position as a collecting Banker
4. Clearing House 10
. Meaning, Role and Functions of Clearing House
. Working Rules
PRACTICAL
HANDLING OF NEGOTIABLE INSTRUMENTS 3 HOURS MARKS : 40
- Specimen forms of Cheques/Bills of Exchange/ Draft
- Specimen of crossing/Endorsement, excercises in crossing of cheques/Endorsement, Exercises & cases regarding collecton of cheques.
- Sorting out cheques bank-wise and preparing schedules for clearing of cheques.
- Familiarisation of forms to be used.
- Giving of cheques to students to find out defects.
126
ELECTIVE III
ACCOUNTANCY 3 HOURS CLASS XI MARKS : 60
Theory
1. Accountancy 10
a. Meaning and objectives, concepts and conventions, principle of debit and credits.
b. Accounts and the ledger; Account-Ledger Forms of an account; debit and credit; Balancing an account, Revenue and Expenses Accounts
2. Origin and Recording of Transactions 10
Source documents, books of accounts, vouchers. Journalising-subdivision of journal, need for subdivision. Ledger form of ledger accounts, classification of accounts, balancing of accounts.
3. Types of Accounting for Cash and Bank transactions 10
Cash Books, Bank reconciliation statement, Petty Cash and Imprest System
4. Trial Balance & Final Accounts 10
Purpose of Trial Balance-Locating errors. rectification of errors, closing entries, simple profit and loss account and balance sheet.
5. Methods of presenting final accounts with reference to Bank Final Accounts. 10
Current Assests and Liabilities, Fixed Assests and Liabilities-other assets and liabilities
6. Accounting for Bills of Exchange 10
Bills Receivable and payable, Acceptance, Discounting, Dishonour and Retiring of Bills, Renewal of Bills.
Accounting for Foreign Exchange Transaction-Types of NRI accounts, rules regarding operation of NRI accounts.
PRACTICAL
ACCOUNTANCY 3 HOURS MARKS : 40
1. Preparation of day books maintained in Banks.
2. Preparations of Bank Cash Book, Customers ledger
3. Familiarity with Bank vouchers and source documents
4. Bank Final Accounts
127
SCHEME OF STUDIES CLASS XII
1 2 3 4 5
SI. No. Subject Pds./Week Examination Total
Th. Prac. Total Th. Hrs. Prac. Hrs. Total
1. Language I 7 - 7 100 3 - - 100
2. Language II or 7 - 7 100 3 - - 100
Business Studies (054) or as per subjecg concerned
or Intro. to Computer App.
3. General Foundation
Course 5 - 5 100 3 - - 100
4. Vocational Electives
Class XII
I. Cash Management
and House Keeping 5 3 8 60 3 40 3 100
II. Lending Operations 5 3 8 60 3 40 3 100
III. Management of
Bank Office 5 3 8 60 3 40 3 100
5. Physical & Health Edu. 2 - - - - -
6. On the-job-Training : Total 8 weeks in classes XI & XII as per the
convenience of the collaborating institutions. Suggested
period after class XI vacation and in class XII
autumn and winter break before January.
NOTE : (i) Subjects at SI. Nos. 1,2 (except Introduction to Computer Applications) and 5 are as per Academic Stream. Senior School Curriculum of the concerned year should be referred to for the courses in respect of said subjects.
(ii) Other subject(s) from Academic Stream or from Additional prescribed in the scheme may be offered in lieu of language-II by school if that is in relevance with Horizontal/Upward mobility.
128
GENERAL FOUNDATION COURSE 3 HOURS CLASS XII MARKS : 100
PART I (Compulsory to all Vocational Courses) 50 MARKS
A. BUSINESS MANAGEMENT AND ENTREPRENEURSHIP
Management of Business Elementary treatemnt/exposure to basic conceptual framework of the topics listed below :
i) Basic functions of management (6)
ii) Marketing management (6)
iii) Financial management (6)