NATIONAL ECONOMICS UNIVERSITY SOCIALIST REPUBLIC OF VIETNAM

SCHOOL OF ADVANCED EDUCATION PROGRAMS Independence – Freedom – Happiness

SYLLABUS

1. GENERAL INFORMATION
Title: BANK MANAGEMENT AND FINANCIAL SERVICES
Course number: NEUFIN200
General Education courses
Units: 3 credits
- Theoretical hours: 24
- Practical hours: 21
Prerequisite: Any GE Foundation course
2. LECTURER’S INFORMATION
Full name: Le Thanh Tam Tittle: Associate Prof. Dr.
Address: A1 Building – Room 912 Phone number: +84 909 342 488
Email: tamlt@neu.edu.vn
Faculty/ Institute: School of Banking and Finance
3. COURSE DESCRIPTIONS
The banking industry has been on the globalization trend with increasingly growing
financial service providers. The sector also offers potential and interesting career opportunities.
On the ground of its significance, this module covers theories and practices in banking
management. The topics are divided into seven five themes, comprising overview of the banking
sector; financial statements of banks; management and pricing of deposit services; management
of non-deposit liabilities; lending and credit risk management. This course provides students with
an understanding of the roles played by commercial banks, the various functions performed by
banks and the relevant regulations governing those functions. The course will also focus on
techniques used by managers to mobilize funds from deposits and borrowings, as well as to
finance loan requests.
4. LEARNING RESOURCES : COURSE BOOKS, REFERENCE BOOKS, AND
SOFTWARES
- Peter S. Rose and Sylvia C. Hudgins (2013), Bank Management and Financial Services,
McGraw-Hill Irwin Press, Ninth Edition.
- Joel Bessis (2011), Risk management in Banking, John Wiley & Sons, third edition.
- Casu, B., C. Girardone, and P. Molyneux (2015), Introduction to Banking, Harlow:
Pearson, Second Edition.

1
- Peter Rose và Sylvia C. Hudgins (2001), Quản trị ngân hàng thương mại. NXB Tài chính,
Hà Nội, ấn bản lần thứ 4.
- Heffernan, S. (2005) Modern Banking Theory and Practice, Chichester: John Wiley.
- Case studies/news on bank management and bank regulations of Vietnam in newspapers,
articles, other relevant textbooks, and websites are highly recommended.
- State Bank of Vietnam, www.sbv.gov.vn
- Deposit Insurance of Vietnam, www.div.gov.vn
- Banking of England, www.bankofengland.co.uk
- European Central Bank, www.ecb.int
- US Federal Reserve System, www.federalreserve.gov/
- US Federal Deposit Insurance Corporation, www.fdic.gov
- Bank for International Settlements, www.bis.org
- Financial Times, www.ft.com
- International Monetary Fund, www.imf.org
- World Bank, www.worldbank.org

5. COURSE GOALS
Upon completion of this course, students will be able to understand:
 The reasons why banks exist, the main services they offer, recent trends impacting on
business areas, types of banking firms and the differences between domestic and
international banking business.
 The reasons why banks are so heavily regulated and why adequate solvency and liquidity
are critical to maintaining a safe and sound banking system.

 The main components of banks’ balance sheet and income statements, off-balance sheet
activity.

 How banks manage their on- and off-balance sheet positions and the main risks faced in
banking operations.

 The main sources deposits and non-deposit borrowings and how banks price their funds.

 The importance of lending policy and procedures, the different types of loans from banks
and their competitors.

 How to analyze loan request from both corporate and individual customers and price the
loans.

 To apply these skills to the full spectrum of banking operations through classroom study,
integrated team projects and independent research.
 To present modern banking issues and current debates with various topics, including
lending pricing, reserve management, and credit rating among many other themes.

2
 To develop the students' transferable skills including communication (oral and written),
team work, decision making, economic and risk analysis, time and project management,
and work ethics.

Program
Course Learning Level of
Goal Description
Goals Outcomes competence
(PLO)
[1] [2] [3] [4]
Understanding bank functions and key operations; 1.1.2; 1.2.1;
G1 II
analyzing bank financial statements. 1.3.2
Familiarizing with banking techniques, such as 1.1.2; 1.2.1;
G2 deposits, non-deposit borrowing and lending. II
1.3.2
Bulding and applying business skills to main
1.1.2; 1.2.1;
G3 banking operations through classroom study and IV
1.2.2; 1.3.2
integrated team projects.
Presenting modern banking issues and current 1.1.2; 1.2.1;
G4 V
debates with various topics. 1.2.2; 1.3.2
Developing soft skills in communication, team
G5 work, decision making, time and project 1.2.2 III
management, and critical thinking.
Understanding the class/organization rules, and 1.2.1; 1.3.2;
G6 VI
individual responsibilities to society. 1.3.3; 1.3.4

6. COURSE LEARNING OUTCOMES (CLO)

Course Level of
CLO Descriptions
goals competence
[1] [2] [3] [4]
G1 Remember the important concepts and services of
bank and other financial institutions; the pros and
CLO 1.1 I
cons of bank regulations and the system bank
regulation.
Understand different types of banking
CLO 1.2 organization and their structure; and analyze new II
factors to bank development.
CLO 1.3 Understand the meaning and use of financial II
statements of banks and other financial firms; and
the components of Balance Sheet and Income
Statement.

3
 Understand the recent expansion of off-balance
CLO 1.4 sheet items and be aware of book-value II
accounting and “Window Dressing”.
CLO 1.5 Analyze bank performances via key indicators III
Understand the types of deposit accounts and
CLO 2.1 II
changing mix of deposits and deposit costs.
Remember the rules of deposit insurance
CLO 2.2 coverage; understand and apply different methods I
of deposit pricing.
Know how to measure the fund gap and the choice
G2 CLO 2.3 among different sources to fill the gap and II
determine the overall costs of funds.
Understand the importance of lending policy and
procedures; the different types of loans from
CLO 2.4 banks and their competitors; and know how to V
analyze loan requests, from both business and
consumption borrowers.
Individually or jointly collect facts and figures
CLO 3.1 from the banking industry in the US and Vietnam II
G3 to illustrate the development of banking services.
Adopt the tools and methodologies from class
CLO 3.2 III
room to understand the business of real banks.
Present and debate about various modern topics in
CLO 4.1 banking business to understand the practices and VI
G4 regulations in the industry.
Engage in productive dialogue with others to solve
CLO 4.2 III
practical problems of the sector.
Create a good team and work effectively together
CLO 5.1 VI
to complete the group projects and discussion.
G5 CLO 5.2 Create competence to critical thinking in tasks. VI
Communicate effectively in English about
CLO 5.3 VI
technical issues and debates
Create good attitudes towards studying, working
G6 CLO 6.1 VI
and living

7. COURSE ASSESSMENT
Percen
Assessment Assessment
Description Time CLO tage
methods indicators
(%)

4
 [1] [2] [3] [4] [5] [6]
Class participation points
will be based on general CLO 1.1- 1.5 Attendance
class attendance, points
CLO 2.1 - 2.4
contribution in class and
Every CLO 3.1 CLO &
Class compliance with the class
teaching 3.2 CLO 4.1 Times of 10%
Participation rules. Poor class attendance,
session CLO 4.2 CLO answers and
little contribution in class or
5.1- 5.3 questions in
non-compliance with class
rules will result in a poor CLO 6.1 class.
class participation grade.
This is a 60-minute open-
book exam, in which
students are required to CLO 1.1- 1.5 Hand in
Mid-term-
present their thinking on Week 10 answer- 20%
exam CLO 2.1 - 2.4
selected theoretical and sheet.
practice issues and solve
exercises.
CLO 1.1- 1.5

Class is divided into four CLO 2.1 - 2.4

Weeks 5,
groups. Groups are assigned CLO 3.1 CLO Group
Group 7, 8, 9, 10
to present and defend topics 3.2 CLO 4.1 presentation 20%
Project and 11
randomly chosen from a CLO 4.2 CLO and report
predetermined list.
5.1- 5.3
CLO 6.1
Final exam of 90 minutes. CLO 1.1- 1.5
Students have permission to CLO 2.1 - 2.4
take the final exam when Questions
CLO 3.1 CLO
they attend more than 80% University on theories
Final Exam 3.2 CLO 4.1 50%
of the total classes and hand schedule and case
in group assignments on CLO 4.2 CLO studies.
time. Make-up exams will 5.1-CLO 5.3
not be offered. CLO 6.1

8. LESSON PLAN
(Any changes on the schedule WILL BE announced in class and on TURNITIN in advance)
8.1. Theoretical hours
Learning and teaching Assessment
Class Topics CLO
activities methods
[1] [2] [3] [4] [5]

5
 Textbook, Chapters 1 + 2 + 3
CLO
(from page 1 to 97) in Peter S.
Introduction to the 1.1-1.4 Participatory
Rose and Sylvia C. Hudgins
course CLO approach in
Week 1 (2013);
Chapter 1: Overview 5.1-5.3 lecturers with
Read carefully lecture notes
of the banking sector CLO Q&A
provided;
6.1
Discussion in pairs or groups.

Textbook, Chapter 5 +
CLO
Chapter 6 (from page 129 to
Chapter 2: Financial 2.1-2.4
216) in Peter S. Rose and Participatory
statements and bank CLO approach in
Week 2 Sylvia C. Hudgins (2013);
performance 5.1-5.3 lecturers with
Read carefully lecture notes
CLO Q&A
provided;
6.1
Discussion in pairs or groups.

Textbook, Chapter 12 (from

CLO
page 397 to 426) in Peter S. Reading and
2.1-2.4
Chapter 3: Managing Rose and Sylvia C. Hudgins group
CLO (2013);
Week 3 and pricing deposit discussion
5.1-5.3
services Read carefully lecture notes Questions on
CLO provided; groups
6.1
Discussion in pairs or groups.

Textbook, Chapter 13 (from

CLO
page 427 to 456) in Peter S.
2.1-2.4
Rose and Sylvia C. Hudgins Discussion
Chapter 4: Managing CLO (2013);
Week 5 Questions
non-deposit liabilities 5.1-5.3
Read carefully lecture notes
CLO
provided;
6.1
Discussion in pairs or groups.

Textbook, Chapters 16 (from

CLO
page 521 to 550) in Peter S.
2.1-2.4
Chapter 5: Lending Rose and Sylvia C. Hudgins Discussion
CLO (2013);
Week 7 policies and Questions
5.1-5.3
procedures Read carefully lecture notes
CLO
provided;
6.1
Discussion in pairs or groups.
Week 9 Chapter 6: Lending to CLO Textbook, Chapters 17 (from Discussion
business firms and 2.1-2.4 page 551 to 592) in Peter S. Questions
pricing business loans CLO Rose and Sylvia C. Hudgins
5.1-5.3 (2013);
CLO Read carefully lecture notes

6
 provided;
6.1
Discussion in pairs or groups.

Textbook, Chapters 18 (from

CLO page 593 to 632) in Peter S.
Chapter 7: Consumer
2.1- 2.4 Rose and Sylvia C. Hudgins Discussion
Week loans, credit cards and
CLO (2013); Questions
11 real estate lending
5.1-5.3 Read carefully lecture notes
provided;
Discussion in pairs or groups.
8.2. Practical hours
Projects Assessment
Class Topics CLO
methods
[1] [2] [3] [4] [5]
CLO
3.1
Presentation 1
CLO Presenter, defenders and
One group is the remaining class members engage
3.2
presenters and another in discussion of the pre-
group is the defenders CLO
determined topic with reference
4.1
Week 4 to the actual activities in the Topic
CLO banking sector of Vietnam. discussion
Mini-test 1 covers the
4.2 Mini-test 1 with True-False
topics discussed in
previous weeks CLO questions that cover Chapters 1-
5.1-5.3 3.
CLO
6.1

Presenter, defenders and

Presentation 2 remaining class members engage
CLO
One group is the in discussion of the pre- Topic
1.1-
presenters and another determined topic with reference discussion
CLO 1-
Week 6 group is the defenders to the actual activities in the
5
banking sector of Vietnam. Questions
Mini-test 2 covers the
CLO
topics discussed in Mini-test 2 with True-False
6.1
previous weeks questions that cover Chapters 1-
5, and the Presentations 1 and 2.

Week 8 Mid-term exam CLO Mid-term exam that examines Topic

3.1 the knowledges and skills of discussion
CLO chapters 1-4, and the
3.2 Presentations 1 – 2. Questions
Presentation 3
CLO
7
 4.1 Presenter, defenders and
One group is the CLO remaining class members engage
presenters and another 4.2 in discussion of the pre-
group is the defenders determined topic with reference
CLO
5.1-5.3 to the actual activities in the
banking sector of Vietnam.
CLO
6.1

CLO
3.1
Presentation 4 Presenter, defenders and Topic
CLO
One group is the remaining class members engage discussion
3.2
presenters and another in discussion of the pre-
CLO determined topic with reference
Week group is the defenders 4.1 to the actual activities in the
10 CLO banking sector of Vietnam.
4.2
Exercises CLO Solve theoretical questions and Questions
5.1-5.3 exercises of Chapters 1 – 4.
CLO
6.1

CLO
3.1 Presenter, defenders and
CLO remaining class members engage
Presentation 5
3.2 in discussion of the pre-
One group is the
CLO determined topic with reference
presenters and another
Week 4.1 to the actual activities in the Topic
group is the defenders banking sector of Vietnam; discussion
12 CLO
Questions
4.2
Exercises Solve theoretical questions and
CLO
5.1-5.3 exercises of Chapters 5- 6 – 7.

CLO
6.1
Week Presentation 6 CLO Presenter, defenders and
13 One group is the 1.1- 1.5 remaining class members engage
presenters and another CLO in discussion of the pre- Topic
group is the defenders 2.1- 2-4 determined topic with reference discussion
to the actual activities in the
CLO
banking sector of Vietnam.
3.1 Questions
Review CLO
Review theoretical and practical
3.2
8
 CLO
4.1
CLO
4.2 parts, and key takes away for the
CLO whole course
5.1-5.3
CLO
6.1

9. COURSE REQUIREMENT & EXPECTATION

Group Project
Students will be grouped for class presentation. In each presentation, there are one group of
presenters and one group of defenders. While the presenters show details of the assigned topic,
the defence group is mainly responsible for commenting and questioning. The remaining class
members provide additional comments and questions for clarification of the topic.
Class Participation
Class participation points will be based on general class attendance, contribution in class and
compliance with the class rules. Poor class attendance, little contribution in class or non-
compliance with class rules will result in a poor class participation grade.
Class rules are:
1. Arrive on time and be seated and ready to begin when the class begins. If you do arrive
late for more than 30 minutes, you will not be counted for that class. Note that this class is
intended for registered students only.
2. Read textbook and lecture notes carefully prior to classes.
3. Participate by contributing comments and questions during the discussions. The instructor
will call on students during the class if participants do not volunteer.
4. Please use common courtesy and polite manners in class.
5. I have no tolerance for acts of academic dishonesty.
Assessment and grading policy
No. Criteria Score Weight Score composition
1 Attendance A 10% 10%A (1)
2 Mid-term exam B 20% 20%B (2)
3 Group projects C 20% 20%C (3)
4 Final exam D 50% 50%D (4)
Weighted score (1)+(2)+(3)

10. DATE: ……………………..

SCHOOL OF ADVANCED SCHOOL OF BANKING LECTURER
EDUCATION PROGRAMS AND FINANCE

9
 LE THANH TAM

10