Principles of Banking
FN101T, Synonym #020642
Tuesdays, 6:00 – 8:50 pm
Nielson Hall 121
Todd Saville, Instructor
Office:
125 Nielson Hall
Office Hours: MWF – 8:30-9am;
Tues: 1-2pm; 3-6pm
Text:
e-mail: todd.saville@kirkwood.edu
Office Phone: (319) 398-5899 ext. 5955
Principles of Banking
9th Edition
American Bankers Association
Course Description
Principles of Banking is a course developed for bankers and potential bankers. In this
course you will develop an understanding of where banking has been and where it is going. You
will study the deposit, payment and credit functions as well as learning about funds management
and specialized products and services. You will gain a greater understanding of the banking
industry and the functions of commercial banks in the 21st Century.
By reviewing real experiences of others, by learning underlying principles, by digging on
your own, and with a bit of assistance provided by the instructor, you’ll gain expertise and
confidence to take on the challenges of the fast-paced and highly competitive world of banking
Course Objectives
1. Explain the importance of the "full-service" of full-service banking as it affects the
economy, the community, businesses and individuals.
2. Describe the competitive and regulatory environments in which banks increasingly
operate.
3. Describe the three major functions of commercial banks deposits, credit, and payments
and become familiar with their interrelations.
4. Define the products and services banks offer governments, businesses and individuals.
5. Discuss demand and time deposits and banks relationships with various types of
depositors.
6. Describe the various types of bank loans and investments. Discuss the three essential
concepts of liquidity, safety, and income.
7. Keep up to date of banking changes by reading current event articles and discussing them
in class.
Principles of Banking Spring 2008
Plagiarism Policy
Kirkwood Students are responsible for authenticating any assignments submitted to an
instructor. If asked, you must be able to produce proof that the assignment you submit is
actually you own work. Therefore, we recommend that you engage in a verifiable working
process on assignments. Keep copies of all drafts of your work, make photocopies of research
materials, write summaries of research materials, hang onto Writing Center receipts, keep logs or
journals of your work on assignments and papers, learn to save drafts or version of assignments
under individual file names on computer or diskette, etc.
The inability to authenticate your work, should an instructor request it, is sufficient
ground for failing the assignment.
In addition, to requiring a student to authenticate his/her work, Kirkwood Community
College instructors may employ various other means of ascertaining authenticity – such as
engaging in Internet searches, creating quizzes based on student work, requiring students to
explain their work and/or process orally, etc.
Americans with Disabilities Act
Students with disabilities who need accommodations to achieve course objectives should
file and accommodation application with the Developmental Education Department, Linn Hall
133 as soon as possible.
Participation and Assignments
Participation is vital to your success in this class. You will have many opportunities to
participate in class, including the articles mentioned above. There will also be small group
exercises, discussion and lecture. Attendance is important and required. You will be responsible
to get class notes from your classmates. Unexcused absences, tardiness, and non-engaging
behavior and inappropriate attitudes may affect your grade.
Top 5 Assignments
Below is a brief summation of five main assignments to be completed in this class.
Further detail and specific instructions will be given on each. You may also be given other
assignments not listed here. No late assignments will be accepted.

Career Exploration Project: Select a position in banking or finance to investigate and create
a detailed job profile.

Article Reviews (2): Find a current article (no more than two years old) related to any topic
covered within the text or class discussion and write an article review of its content.
Principles of Banking Spring 2008

Bank Shopping Project: Investigate and evaluate different banks and financial institutions
base on various criteria important to customers.

Final Research Project: Select a topic of interest from the text or class discussion and
develop an expanded analysis
Quizzes
Quizzes will be given on an as needed basis. Each quiz may be worth 10-15 points. No
make up quizzes will be allowed.
Exams
Two exams will be given, the midterm and final exams, consisting of 100 multiple choice
questions each.
Grading:
Assignments and Participation:
Career Exploration Project
Article Reviews (2 articles @ 25 points each)
Bank Shopping Project
Final Research Project
Participation / Additional Assignments
25 points
50 points
25 points
50 points
50-100 points
Quizzes and Tests:
Quizzes (no make up quizzes)
Midterm
Final Exam
90-130 points
100 points
100 points
93% - 100%
87% - 89%
77% - 79%
67% - 69%
Below 60%
A
B+
C+
D+
F
Principles of Banking Spring 2008
Grading Scale
90% - 92%
A83% - 86%
B
73% - 76%
C
63% - 66%
D
80% - 82%
70% - 72%
60% - 62%
BCD-
COURSE SCHEDULE
The schedule is subject to change at the instructor’s discretion and should be considered as a
general guide only.
January 15
January 22
January 29
February 5
February 12
February 19
February 26
March 4
Chapter 1:
Banking and You
 Introduction and Syllabus
Chapter 2: The U.S. Banking System
Chapter 3: Money and Banking
 Assignment 1 Due: Career Exploration Project
Chapter 4: Deposit Accounts
Chapter 5: Payments: Cash and Checks
Chapter 6: Electronic Banking
 Assignment 2 Due: Article Review (1)
Review of Chapters 1-6
 Midterm Exam: Chapters 1-6
Chapter 7: Lending
March 18
Chapter 8: Personal Financial Planning
 Assignment 3 Due: Bank Shopping Project
Chapter 9: Business and International Banking Services
March 25
Chapter 10: Bank Investments and Performance
March 11
April 1
April 8
April 15
April 22
April 29
Tuesday, May 6
Principles of Banking Spring 2008
Chapter 11: Building Relationships: Sales, Marketing
and Customer Service
 Assignment 4 Due: Article Review (2)
Chapter 12: Safeguarding Customer Information
Chapter 13: Safeguarding Customers, Bank Assets and
the Nation
Final Research Project Presentations
 In class activity
Review of Chapters 6-13
 In class activity
Final Exam: Chapters 6-13