HOUSTON COMMUNITY COLLEGE SYSTEM
FINANCIAL MANAGEMENT
BNKG 1303
PRINCIPLES OF BANK OPERATIONS
Fall 2011 - Kurllenne K. Dowden-Martin, MBA
Email Addresses: kkdmartin@hotmail.com,
Phone numbers: 281-630-0413
COURSE DESCRIPTION (From HCCS 2002 - 2003 Catalog)
Overview of the fundamental banking functions and the role of regulation in the
banking industry. Explanation of financial products and services to various markets. 3
credits (3 lecture).
TEXTS AND/OR REFERENCES
Principles of Banking, Tenth Edition, American Bankers Association, 2010
ISBN:0-89982-655-5
COURSE LEARNING OUTCOMES
1. Through in class participation, preparation and presentment of a term project, and
written quizzes/tests the student will demonstrate knowledge of the relationships
banks have with their customers and their communities and describe the
traditional, non-traditional, and electronic services that banks provide.
2. The student will be able to identify the primary federal legislation that has shaped the
evolution and development of commercial banking in the U.S. through written
exercises, quizzes, and/or tests.
3. The student will describe the creation of the Federal Reserve System and the Fed’s
role as the agent of monetary policy and as a bank regulator through written
exercises, quizzes, and/or tests.
4. The student will be able to discuss various deposit instruments, ways customers can
make deposits, deposit regulations, and methods of establishing customer
identity through participating in class discussions and/or activities, written
exercises, quizzes, and/or through written tests.
5. The student will define negotiable instruments as they relate to checks and describe
features that make a check negotiable through participation in class, group,
and/or homework assignments, quizzes, and/or written tests.
6.
The student will distinguish between paying and cashing a check and explain
payment procedures via the check clearing system, including relevant regulations
and consequences of wrongful dishonor through written assignments, quizzes,
and written tests.
7.
The student will discuss legal restrictions on bank loans, describe the role of the
bank’s board of directors in establishing and overseeing lending policy, and
identify basic loan categories through class work, homework, a research project,
quizzes, and written tests.
8.
The student will explain the objectives of funds management and the objectives
of bank investments through class work, homework, a research project, quizzes,
and written tests.
9.
The student will identify the categories on the balance sheet and income
statement through class work, homework, a research project, quizzes, and
written tests.
10.
The student will explain components of the marketing concept and factors
leading to successful marketing efforts.
11.
The student will discuss specialized bank services such as trust, safe deposit
services, global banking services, etc., through class work, homework, a research
project, quizzes, and written tests.
12.
The student will describe how electronic funds transfer systems and bank cards
operate, how home banking and cash management options work, and some of the
systems developed to provide security and prevent loss through class work,
homework, a research project, quizzes, and written tests.
SCANS (Secretary’s Commission Addressing Necessary Skills) OBJECTIVES
1.
Working with Information: Acquire/evaluate data
Organize/maintain information
Interpret/ communicate data
Through participation in the classwork, group exercises and term project, the
student will learn to acquire data and evaluate the application of data.
By completing the term project, the student will demonstrate the ability to
organize and maintain information through out the semester.
Through outside reading and answering questions, the student will demonstrate
the ability to interpret and communicate data.
2.
Demonstrating Basic Skills:
Reading
Writing
Speaking
Listening
Arithmetic/Mathematics
By completing weekly reading assignments in the text and by reading other
information for the term project, the student will demonstrate reading ability.
The student will demonstrate writing ability by completing the research project
and by completing written assignments and/or answering written test questions..
By completing calculations correctly in assignments and/or on written tests, the
student will exhibit skills in arithmetic and mathematics.
The student will listen to class discussions then apply the information they
listened to answer written assignment and/or test questions.
The student will exhibit speaking skills through group work and in-class
participation.
3.
Demonstrate Thinking Skills: Creative Thinking
Decision Making
Problem Solving
Thinking Logically
Through completing the research project, the student will practice creative
thinking, use decision making skills and think logically.
By correctly completing the research project and answering questions in
assignments and/or on written quizzed and tests, the student will exhibit the
ability to assimilate information, think logically and solve problems.
4.
Exhibiting Personal Qualities:
Individual responsibility
Sociability
Self-management
Integrity
Each student will be individually responsible for completing assignments and the
research project.
Each student will manage his/her time and resources to assure timely completion
of assignments and the term project.
Each student will participate in group assignments with other class members.
Each student will practice integrity by exhibiting honesty in completing
assignments, tests and the term project.
5.
Managing Resources: Manage Time
Each student will manage time to complete assignments, the research project
and written tests within prescribed time limits.
6.
Exhibit Interpersonal Skills: Work on teams
Lead work teams
Work with different cultures
Each student will work on teams of varying cultural diversity to complete group
assignments. Each student will have the opportunity to lead work teams.
ATTENDANCE, SCHOLASTIC DISHONESTY AND OTHER POLICIES
See “VARIOUS POLICIES’ section of this syllabus.
EVALUATION
Midterm Exam ......................................20%
Final Exam...........................20%
Chapter Review Quizzes......................20%
Homework ......................20% Research Paper Project........................20%
NUMERICAL GRADES RELATED TO LETTER GRADES
A
B
C
D
F
90 TO 100
80 TO 89
70 TO 79
60 TO 69
Below 60
Excellent
Good
Fair
Passing
Failing
Statement of Workplace and Foundation Competencies (SCANS Skills)
HCSS is determined to prepare you with the knowledge and skill you need to succeed
in today’s dynamic work environment. Towards this end, specific workplace
competencies and foundation skills have been designed into this course and into the
curriculum for each program of study. Please see the Scans Competencies And
Foundation Matrix of this syllabus for information regarding the specific common
workplace competencies designed into this course and into the BNKG curriculum.
Students who require reasonable accommodations for disabilities are
encouraged to report to Room 102 SJAC, or call (713) 719-6164 to
make necessary arrangements. Faculty are only authorized to
provide accommodations requested by the Disability Support Services
Office.
VARIOUS POLICIES
Incomplete: The grade of “I” (incomplete) is conditional. A student receiving an “I”
must arrange with the instructor to complete the course work by the end of
the following term (excluding summer). After the deadline, the “I”
becomes an “F”. All “I’s” must be changed to grades prior to graduation.
Attendance: A student may be dropped from a course for excessive absences after the
student has accumulated absences in excess of 12.5% of the hours of
instruction. In a traditional 16-week term, 12.5% of the hours of
instruction equates to six hours of instruction or two absences.
Dropping:
The State of Texas has begun to impose penalties on students who drop courses
excessively. For example, if you repeat the same course more than twice, you have to
pay extra tuition. In 2007, the Texas Legislature passed a law limiting students to no
more than six total course withdrawals throughout their academic career in obtaining a
baccalaureate degree.
To help students avoid having to drop/withdraw from any class, HCC has
instituted an Early Alert process by which your instructor will “alert” you and HCCS
Student Services of the chance you might fail a class because of excessive absences
and/or poor academic performance. You should visit an HCC counselor or HCC Online
Student Services to learn about what, if any, HCC interventions might be offered to
assist you – tutoring, child care, financial aid, job performance, etc, - to stay in class and
improve your academic performance.
You MUST visit a counselor or online student services prior to withdrawing
(dropping) the class and this must be done prior to November 8, 2007, 4:30PM to
receive a “W” on your transcript. After that deadline, you will receive the grade you are
making in the class which will more than likely be an “F”.
Weeks
Two – Six
Instructors initiate “Early Alert” process – to let students know they may
be in danger of failing the course and informing them of actions
they need to take.
Seven – Ten Students Services should send Instructors a report on actions taken or not
by students.
Week Twelve Drop Deadline – for Fall 2011
Week Sixteen Grade Assignment
Nov. 8, 4:30 PM
Scholastic dishonesty:
Houston Community College System students are
responsible for conducting themselves with honor and
integrity in fulfilling course requirements. Scholastic
dishonesty includes, but is not limited to, cheating on a test,
plagiarism and collusion.
Cheating on a test includes: copying from another
student’s test paper; using during a test materials not
authorized by the person giving the test; collaborating with
another student during a test without authority; knowingly
using, buying, selling. stealing, transporting, or soliciting in
whole or part the contents of an unadministered test; bribing
another person to obtain a test that is to be administered.
Plagiarism means the appropriation of another’s
work and the unacknowledged incorporation of that work in
one’s own written work offered for credit.
Collusion means the unauthorized collaboration with
another person in preparing written work offered for credit.
Possible punishments for academic dishonesty may
include a grade of 0 or F on the particular assignment,
failure in the course, and/or recommendation for probation
or dismissal from the College.
Students who wish to appeal the penalty should notify
the instructional supervisor within thirty working days of the
incident. A standing committee appointed by the Dean of
Instruction will convene to sustain, reduce, or reverse the
penalty. The committee will be composed of two students,
two faculty members, and one instructional administrator. A
majority vote will decide the appeal.
A recommendation for suspension or expulsion will
be referred to the Dean of Students for disposition under
Section 203.
COURSE OUTLINE: Attendance Dates and Material Covered
ALL ASSIGNMENTS DUE VIA BLACKBOARD
10/26 Orientation
10/31 Assignment #1 Due
10/31 Research Paper Topic Due for Approval- VIA BLACKBOARD
11/ 2 Ch 1-3 Quiz
11/ 9 Ch 4-6 Quiz, Working Outline Due
11/16 Midterm Exam Ch. 1-6 (IN CLASS)
11/23 NO CLASS- RESEARCH DAY
11/ 28 Assignment #2 Due, Final Outline Due
11/30 Ch 7-9 Quiz
12/7 Ch 10-13 Quiz
12/7 Research Assignment Due
12/14 Final Exam Ch 10-13 (IN CLASS)