Academic Regulations, Course Structure and Detailed ..._TISS_-_PG... · Academic Regulations,...

Academic Regulations, Course Structure and Detailed Syllabus

PG Diploma in Bank Credit Management

(PGDBCM) -

(Effective for the students admitted by the SVE @ TISS from the Academic Year 2015)

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of 17 P.G. Diploma in Bank Credit Management

Academic Regulations for PGDBCM The 2-semester, 1-year, Post Graduate Diploma in Bank Credit Management of the School of Vocational Education at Tata Institute of Social Sciences (Deemed University) shall be conferred on candidates who are admitted to the program and fulfil all the requirements for the award of the Diploma. 1.0 The Background The Tata Institute of Social Sciences (TISS) was established in 1936 as the Sir Dorabji Tata Graduate School of Social Work. In 1944, it was renamed as the Tata Institute of Social Sciences. The year 1964 was an important landmark in the history of the Institute, when it was declared Deemed to be a University under Section 3 of the University Grants Commission Act (UGC), 1956. In December 2011, Tata Institute of Social Sciences set up the School of Vocational Education (SVE) to provide immediate and definite interventions to improve the lives of the disadvantaged and marginalized youth, especially who are excluded by the formal school education system, through appropriate vocational training programmes. It has been set up with a vision of creating an ecosystem that would bring back the dignity of labour and create sustainable sources of income. This project has been initiated under the aegis of All India Council for Technical Education (AICTE) proposed by the Ministry of HRD, Government of India. Stratadigm Education & Training Pvt. Ltd., which is one of India’s leading providers of Banking, Financial Services and Insurance (BFSI) education has been appointed as the Vertical Anchor for the BFSI vertical by SVE-TISS. Stratadigm will offer long-term (Bachelor’s in Vocational Education) and short-term (Diploma and Certificate courses) in the ‘work-integrated programme’ model specified by AICTE. 2.0 Program Objectives: Banks accept deposits and use such monies for lending to borrowers. The ability of a bank to repay its depositors on time depends on the quality of its loans (borrowers). Banks, as trustees of the depositors’ monies, are diligent in their lending activities. In spite of it, Indian banks are saddled with a large number of bad loans. This necessitates a structured learning of the bank credit process. The Indian economy is on the verge of taking off and the growth rates are expected to climb up to 8% p.a. The banking sector will be a large beneficiary of such growth and the asset base of banks (loan portfolios) are expected to double in the next 4 years. This growth too will necessitate the availability of trained and skilled credit management professionals. The PG Diploma in Bank Credit Management program will help working professionals and students

• To enhance their knowledge and skills in managing SME and Corporate credit portfolios

• To help bridge skill gaps in industry demands/expectations and student competencies

• To help working professionals and students get hands-on experience in complex financial analysis and loan structuring processes

• To assist students find suitable employment after successful completion of the program.


3.0 Eligibility for Admissions: Admission to the above program shall be made subject to the eligibility, qualifications and specialization prescribed by the University from time to time. The following are the eligibility criteria for candidates seeking admission to the program

• Working professionals and Students who have completed their Graduation from a recognized University in India or abroad.

4.0 Medium of instruction:

• The program will be delivered in English. 5.0 Delivery Methodology: The program will be delivered using a mix of:

• Instructor-led classroom sessions: classroom sessions delivered by experienced Stratadigm faculty.

• Self-Study Workbooks (SSW): these Workbooks are written in an easy-to-understand format with a number of practical examples, business situations and business conversations. The Workbooks are highly practice-oriented and focus on the applications of banking concepts.

• Other Online Resources: Students will have access to additional courseware, quizzes, mock-tests and a host of other resources on the Stratadigm Learning Management System, which they can access using their unique access credentials.

6.0 Award of the PGDBCM:

5.1 A student shall be declared eligible for the award of the PG Diploma as per the University norms.

7.0 Attendance: 6.1 Candidates shall put in attendance at the College for not less than 75% of the

total number of working days. 6.2 Condonation of shortage of attendance shall be granted only on genuine and valid

reasons on representation by the candidate with supporting evidence and shall be at the sole discretion of the University.

8.0 Evaluation: The performance of the candidate in each semester shall be evaluated subject-wise, with a maximum of 100 marks on the basis of Internal Evaluation and Semester Examination. 8.1 For the theory subjects 70 marks shall be awarded based on the performance in

the Semester Examination and 30 marks shall be awarded based on the Internal Evaluation.

8.2 Internal evaluation will be based on the following:


a. Active participation in the classroom – 5 marks b. Timely submission of assignments – 5 marks c. Completion of class exercises - case studies, quizzes, domain games,

and situation analysis exercises etc. – 10 marks d. Marks scored in the mid-term assessment, which will have a maximum

of 50 marks each – 10 marks 8.3 Final Semester Exam Pattern – the final exam for 70 marks will assess the

students understanding of the subject on the following parameters: a. Basic theoretical understanding – 40 MCQs – ½ mark per question X

40 questions = 20 marks b. Essay Type Questions – 5 Questions to be answered from a total of

6 Questions – 5 marks per question X 5 questions = 25 marks c. Testing of Practical Application of Knowledge – Business Situation

Analysis exercises, Case Studies and Caselets – 5 Questions to be answered - 5 marks per question X 5 questions = 25 marks

The written exam will be of 3 hours duration.

8.4 The overall passing marks will be as per the University norms and guidelines. 8.5 In case the candidate does not secure the minimum academic requirement in any

subject (as specified above) he will have the opportunity to reappear in the Repeat Exam that will be conducted as per the University guidelines.

9.0 Evaluation of Project Work/Internship: Working professionals/Students will also be able to take up internship opportunities with a leading Bank or NBFC in their large value corporate or SME credit departments. A student taking up internship will be appraised on:

• General etiquette, conduct and punctuality – 25 marks • Adherence to organizational work ethics and compliance requirements – 25 marks • Attitude and Aptitude – team participation and willingness to learn etc. – 25 marks • Productivity – ability to complete work on time with minimal rework – 25 marks

Every candidate shall be required to successfully complete a project work of 2 to 3 months developing a complete loan proposal for one large corporate and one SME. In respect of students who opt to do a Project, the purpose of such project work will be to demonstrate the application of knowledge and skills acquired in the programme by developing the loan proposal(s). The project work will have 100 marks. 10.0 Final Grading: After a student has satisfied the requirements prescribed for the completion of the program and is eligible for the award of the PG Diploma, he shall be placed in one of the Grades as per existing norms at the SVE @ TISS. 11.0 Other Terms and Conditions All other terms and conditions like withholding of results and malpractice rules will be as per the existing norms of the University.


Course Structure for 1-Year PGDBCM 2015 Semester I – 20 Weeks - Classroom

Subject code

Title Theory Credits Hours Marks

COB1001 Corporate Banking 4 4 60 100 PSB1002 Priority Sector Banking 2 2 30 100 FBA1003 Finance & Bank Accounting 4 4 60 100 FAL1004 Financial Analysis for Lending 6 6 90 100 FME1005 Fin. Modelling using MS Excel 2 2 30 100 Total Theory Credits in Semester I 18 270

Semester II – 24 Weeks – Classroom + Internship/Project Work

Subject code

Title Theory Credits Hours Marks

AFA2001 Applied Financial Analysis 6 6 90 100 BLO2002 Bank Loan Operations 2 2 30 100 LMR2003 Loan Monitoring & Review 2 2 30 100 FSM2004 Financial Services Marketing 4 4 60 100 Total Theory Credits in Semester II 14 210 IPW2005 Internship/Project Work Practical 8 240 100 Total Practice Credits in Semester II 8 240 Non-credit Courses CSO2006 Communication & Soft Skills Theory Non-credit -NA-


1st Semester PGDBCM 4 credits

COB1001 – Corporate Banking & Credit Learning Objectives: This module is designed to help students get a thorough understanding of the business of Corporate Banking. Students will learn about the definition & characteristics of corporate banking, its importance to a bank, the broad spectrum of products & services offered by banks to their corporate customers and the process of corporate lending. Unit I: Corporate Banking – Products & Operations Topics covered: Introduction to corporate banking – importance of corporate banking - Debt Products – Working Capital (Cash Credit/Overdrafts/WCDL) – Commercial Paper - Term loans – Corporate Bonds Unit II: Loan Operations Topics covered: The life cycle of a loan – product design – prospecting - pitch book development – due diligence – loan structuring – loan settlement - loan operations

Unit III: International Trade Finance – Documentary Credits & Operations Topics covered: International Trade and its unique features- Letter of Credits and Transaction Flows - Documentary Collections and Transaction Flows - Role of UCP- URR – URC – URDG – Frauds in international payments - Understanding role of SWIFT

Unit IV: Foreign Exchange Operations Topics covered: Forex products - Concept of a Forex market, buyers and sellers, cash/tom/spot/future rates, Role of RBI, Role of Reuters/Bloomberg etc. Proprietary trading vs Merchant trading, Nostro/Vostro/Loro, Concept of Central Counter Party – Spot – Calculating Rates – Cross currency rates – important currencies of the world – foreign exchange exposure of exporters – foreign exchange exposure of importers – hedging through forward contracts – futures contracts – options basics Unit V: Cash Management Services & Operations Topics covered: retail payments – electronic retail payments – Large Value payment systems – cross border payments – managing float – managing receipts – managing payments – treasury management at corporates – MIS Unit VI: Introduction to Bank Credit Topics covered: Principles of lending – lending sectors (Priority/MSME/Large Corporate) – Exposure norms – Lending rates (PLR/Base Rate/Fixed vs. Floating/Periodicity of interest application) – Monetary & credit policy of RBI – IRAC norms Books & References

• Stratadigm Workbook specially designed & developed for the PGDBCM • International Trade Finance – ICC Publications • Foreign Exchange Operations – A C Reddi • Credit Monitoring, Legal Aspects and Recovery of Bank Loan – Dr. D D Mukherjee



PSB1002 – Priority Sector Banking Learning Objectives: This module is designed to help students get a sound understanding of the RBI and Government of India’s social objectives and how banks play an important role in achieving these objectives through targeted lending. It will also help them get a clear understanding of the need & importance of Financial Inclusion. Unit I: Introduction to Priority Sector Banking Topics covered: definition and importance – Government of India and Reserve Bank of India guidelines – bank lending to priority sector - key players supporting MSME/Agriculture in India Unit II: MSME Banking Topics covered: definition of Micro, Small & Medium enterprises - unique features of the MSME sector - banks’ products & services for the MSME sector - GoI/State Government support for MSME financing Unit III: Agricultural Banking Topics covered: definition & characteristics - bank products & services to agriculture sector - introduction to commodity finance – understanding warehouse financing − role of NABARD/ other funding agencies Unit IV: Introduction to Microfinance Topics covered: understand the basic principle of microfinance organizations – likely impact of microfinance principles on MFI – microfinance models and characteristics – commercial bank finance to MFIs – appraisal of MFIs Unit V: Introduction to Financial Inclusion Topics covered: need and importance – social and business benefits – opportunities for BFSI companies – GoI and RBI guidelines – current developments Books & References

• Stratadigm Workbook specially designed & developed for the PGDBCM • Agriculture Finance in India – Rajkumar K. Prabhakar • Financial Inclusion – Sameer Kochchar • Financial Inclusion – RBI Notes • Financing of SMEs – G Gopala Krishna Murthy



FBA1003 - Introduction to Financial & Bank Accounting Learning Objectives: to help the student understand the fundamental principles of financial accounting and reporting, the key financial statements and their structure, the financial reporting standards and the system of accounting in banks. Unit I: Introduction to Financial Accounting Topics covered: Need for Accounting, definition, features, objectives, functions, systems and bases and scope of accounting. Accounting concepts, terminology and conventions. Accounting Policies, Purpose, Disclosure, Accounting Process, Accounting cycle, accounting equation – Accounting standards (IFRS/US GAAP/Indian Accounting Standards) Unit II: Fundamentals of Financial Accounting Rules of double entry booking keeping, Identification of financial transactions, Journalizing, Posting to Ledgers, Balancing of Ledger Accounts, Trial Balance Unit III: Key Financial Statements Topics covered: understanding the three financial statements - Balance Sheet & its items (Capital/Reserves/Revaluations, Fixed Assets, Current Assets, Investments, Fictitious and Intangibles) - Profit & Loss Account & its items (Sales, COGS, Gross Profits, Operating Expenses, Depreciation and Taxes, Creative Accounting, PBT and PAT, Prior period items, Dividends etc.) - the Cash Flow Statement (cash flow from operating activities, investing activities and financing activities, direct & indirect methods of computation) - inter-linkages between the three financial statements - Non current assets, Long term source of fund, short term source of fund Unit IV: Understanding Bank Accounting Topics covered: Overview of a bank’s financial statement and its key components – types of banking transactions and their impact on the bank financials including the General Ledger of the bank Books & References

• Stratadigm Workbook specially designed & developed for the PGDBCM • Financial Accounting – Jain & Narang • Understanding Financial Statements – Fraser, Aileen Ormiston



FAL1004 – Financial Analysis for Lending Learning Objectives: to help the student understand the credit/risk analysis process. The objective is to determine the likelihood that credit will be repaid completely and on time. Within the overall process, we will review and explain the basic assessments and the role that financial risk assessment plays in lending decisions. Unit I: Framework for Credit Analysis Topics covered: understand the five aspects of the credit analysis framework – Credit Policy – understanding the bank’s policies and guidelines in respect of borrower types, industry types, facility types, security types, loan limits etc. – Financial Risk – understanding the borrower’s liquidity and solvency and its impact on the ability to repay the loan on time – Management Risk – quality of management, competency, integrity, financial standing, past experience etc. – Market Risk – understanding the competitive environment – Facility Risk – structuring of the loan, loan covenants, loan security, loan pricing etc. Unit II: Financial Analysis Topics covered: understanding risk drivers - key indicators of financial risk – analysing sales growth, gross margins, operating expense %, AR days, AP days, inventory days, net capital spending – analysing gearing, liquidity and debt coverage – analysing cash flows Unit III: Financial Projections Topics covered: Need for and importance of financial projections – the basis of financial projections – past financial performance, understanding management’s plans and objectives, assessment of economic and competitive environments – setting meaningful forecast assumptions - analysing likely future operating performance and risk – projecting future values for the risk drivers – projecting all other values of Balance Sheet and P&L – Sensitivity Analysis - consider the impact on your assumptions from potential changes in the competitive landscape, economic environment, management, or operations of the business Unit IV: Management Risk Topics covered: Management Integrity – credibility & standing, willingness to repay, past dealings with banks/FIs, credit history, CIBIL/RBI reports - Management Skill and Execution – academic/professional background of promoters/key management team members, project execution capabilities, past successes and failures - Management Scope – bandwidth, ability to attract, nurture and retain talent, and succession planning etc. – Corporate Governance Unit V: Market Risk Topics covered: Competitive marketplace – External economic conditions – External Regulations – Environmental Risk – Riskiness of the borrower’s industry – Industry and Business Life Cycles – Seasonality and Cyclicality – Client Concentration – Use of different tools – BCG Matrix, SWOT analysis, Porter’s Model etc.


Unit VI: Facility Risk Topics covered: Loan Purpose and Payback, Type and Repayment Schedule – Security Types and Values – Guarantees – Covenants – Pricing principles Unit VII: Other Aspects Topics covered: Credit Risk and RBI guidelines on credit risk management – introduction to credit risk rating and credit risk assessment models – Basel III norms in the Indian banking systems Books & References

• Stratadigm Workbook specially designed & developed for the PGDBCM • Credit Appraisal, Risk Analysis and Decision Making – Dr. D.D. Mukherjee



FME1005 – Financial Modelling using MS Excel Learning Objectives: Financial Modeling is a tool that helps forecast a company’s future financial performance based on historical performance. It is an important skill for any individual working in the lending arena today. This course helps the student to use Microsoft Excel to build financial models. The program covers step-by-step lessons ranging from basic fundamentals to advanced features and their application. Unit I: Basics of MS Excel Topics covered: understand and use formulas, functions, formatting, Excel tables and Pivot tables, advanced formulas and shortcuts in Excel Unit II: Financial Modelling Topics covered: designing an efficient layout, capturing historical data, detailing the assumptions for financial projections, projecting future P&L, B/S and Cash flow statements, creating schedules for depreciation, debt and other assets, calculating and analysing ratios Books & References

• Stratadigm Workbook specially designed & developed for the PGDBCM


2nd Semester PGDBCM 6 credits

AFA2001 – Applied Financial Analysis Learning Objectives: This module is designed to help apply the student’s knowledge of loan products, financial analysis and financial modelling gained in the first semester of this program. Students will apply their learnings to practical cases for appraising working capital (fund-based and non-fund based) and term funding requirements. Unit I: Financing Working Capital Requirements Topics covered: Concept of working capital revisited – operating cycle concept – Tandon Committee and working capital assessment in Indian context – concept of MPBF – RBI guidelines – Cash Budgeting for Assessment of Short-term Credit Facilities - Consortium System of credit delivery – Multiple Banking System - Treatment of an intangible asset, delving deeper to verify the true nature of the items of the balance sheets, CA, CL, Working Capital Gap vis-s-vis MPBF, Current Ratio, DER, Securities and collaterals, Disbursement process and monitoring, RBI guidelines, if any, as to method to be followed Case Study 1 and 2 – Assessment of Working Capital for a large corporate and an SME Unit II: Financing of Exports and Imports Topics covered: Trade Finance (Financing Exports) – GoI/RBI policies and guidelines – Definition of Exports – Pre-shipment/Packing Credit – Rupee EPC scheme – Liquidation of Packing Credit – Pre-shipment Credit in Foreign Currency – Post-shipment Credit – Deemed Exports – Loans against EEFC accounts – Trade Finance (Import Finance and ECBs) – Import licenses, import payments and time limits, advance remittances, Supplier’s and Buyer’s credit for Import – ECBs - Post shipment credit in fgn currency, hedging by forward booking, Role of ECGC, Exim Bank Case Study 1 and 2 – Assessment of Export Finance and Import Finance Unit III – Non-fund Based Credit Topics covered: Financing of Bank Guarantees, Letters of Credit/ Documentary Credit – Bank Guarantees – use of BGs, RBI norms, situations where BGs should not be issued, types of BGs (basis of Nature and Purpose), BGs for exports/imports, FEMA and BGs, appraisal of BG requirements, invocation of BGs, International BGs – LCs/DCs – Recap of LCs and UCPDC, Types of LCs, Documents under a LC, LCs in imports and exports, appraising a proposal for opening of an LC, cash budgets for appraising LC limits – interchangeability between different non-fund facilities Case Study 1 and 2 – Assessment of Export Finance and Import Finance Unit IV – Financing of Capital Expenditures Topics covered: Financing of fixed assets – accounting and other key aspects of fixed assets – understanding technical feasibility and commercial viability – financial projections – Key ratios – fixed assets turnover ratios, DSCR – understanding DCF-based appraisal criteria (NV, NPV and IRR) – risks in long-term financing – appraisal of term loans - Disbursement process, securities, monitoring, take away financing, infrastructure financing, Foreign Currency Term Loan, RBI guidelines, if any Case Study 1 and 2 – Assessment of term funding requirements Books & References




BLO2002 – Bank Loan Operations Learning Objectives: This module is designed to help the student get a thorough understanding of the post-approval stage in the life cycle of a loan. The key learnings here will help the student protect the bank’s interests in case there are challenges in the repayment of the loan at a later point of time. Unit I: Securing Lender’s Interests Topics covered: Charge and Security Interest – Types of charges – pledge, hypothecation, mortgage, assignment, guarantee and lien – fixed and floating charges – pari-passu charges – negative lien – instrument of creation of charge – Concept of security – Primary and Collateral – different types of securities – classification of securities Unit II: Mortgage as a security Topics covered: Definition, characteristics and types of mortgages – parties to a mortgage transaction – Rights of the different parties – title deeds - procedure for creation of equitable mortgage – GPAs in mortgage transactions – legal documents in creating a mortgage – Central Registry of Mortgages (CERSAI) Unit III: Company Advances – Theory & Practice Topics covered: company and its features – types of companies – company-related documents - understanding the importance of MoA, AoA, Certificate of Incorporation, Board Resolution etc., - Charges requiring registration with RoC – search of records – Common Seal of companies and their use in documentation Unit IV – Loan documentation Topics covered: Need and Importance of loan documentation – documentation and evidence – legal principles in bank documentation – common types of bank documents – stamping of documents – registration of documents – revival of security documents Books & References




LMR2003 – Loan Monitoring & Review Learning Objectives: This module is designed to help the student get a thorough understanding of the post-approval stage in the life cycle of a loan. The key learnings here will help the student protect the bank’s interests and maintain the health of the banks’ asset portfolio. Unit I: Loan Monitoring & Review Topics covered: Need and importance of loan monitoring & review, internal and external data sources for loan monitoring & review, red herrings and warning signals Unit II: Loan Monitoring – Physical Aspects Topics covered: need for and importance of physical inspection – its role in loan monitoring – stock statements – Drawing Power (concept and practice) – Stock Audit – Monitoring Receivables – Books debts, frauds in receivables, detecting accommodation bills - Insurance – types of insurance coverage Unit III: Loan Monitoring – Financial Aspects Topics covered: QIS reports – Financial Follow Up Reports Unit IV: Dealing with Non-Performing Assets Topics covered: Asset classification – definition of NPAs for different types of loans – RBI guidelines – bank’s internal policies/guidelines – income recognition norms – Methods of managing and reducing NPAs - Multiple ways in which an NPA account impacts a bank’s balance sheet, Concept of Gross NPA and Net NPA Unit V: NPAs and their Recovery Topics covered: overview of Corporate Debt Restructuring (CDR), SARFAESI Act and Debt Recovery Tribunals (DRTs), out of court settlements, compromises and write-offs - ARCs Books & References

• Stratadigm Workbook specially designed & developed for the PGDBCM • Credit Monitoring, Legal Aspects & Recovery of Bank Loan – Dr. D.D. Mukherjee



FSM2004 – Financial Services Marketing Learning Objectives: This paper is a unique course, which blends traditional sales and marketing concepts with the needs of the financial services sector. In contrast to the personalised nature of relationship selling, this paper covers the strategic and tactical aspects of marketing, market planning and product development and product strategy. Unit I: The Nature of Financial Services Topics covered: the nature of financial products – differences between financial products and other products – Silo-based financial organisations – creation and constitution of a portfolio of products – the consumer experience in financial product buying – relationship sales, product sales and role of personal selling in financial services Unit II: Effective Sales in Corporate Lending Topics covered: understanding the organisation (the lender) – company facts, USPs, SWOT analysis – Nature of the Product and its key Features – Focus on the individual (the sales person) – ambition & goal setting, motivation, preparedness & confidence, time management and building a positive attitude – the Sales Process – sales cycle, prospecting & selection, contact management, closing a sale and handling rejections Unit II: Relationship Management in Corporate Lending Topics covered: need and importance of relationship management in corporate lending – Business Effectiveness – business development strategy, client relationship management and value & ethics in sales & relationship management – Personal Effectiveness – building rapport, questioning and listening and emotional intelligence Books & References

• Stratadigm Workbook specially designed & developed for the PGDBCM • Financial Services Marketing – Sushil Sharma


2nd Semester B.Voc.(BFSI) 8 credits – 240 hours

PGDBFMI VPE1 Vocational Practical Introduction and Course Objectives: The student should get a sound understanding of the functioning of the credit department of a bank in its totality. The understanding will cover the areas of typical SME and Corporate borrowers, their loan requirements, the loan application, additional data requirements, collection of additional data from public domain, processing of data collected, borrower interviews, financial analysis, proposal development, risk management etc. Learning Objectives:

• Customer types – individuals/corporates/partnerships/HUF/…. • Loan types – secured/unsecured; short-term/long-term • Loan proposal • Financial analysis • Qualitative analysis of business • Defending credit proposals • Loan structuring • Loan documentation

Course Content:

• Understanding borrowers’ requirements • Financial and Qualitative analysis of businesses • Structuring the loan • Pricing the loan • Securing the loan • Approval of the loan • Loan documentation • Loan disbursal • Loan monitoring

Method of Assessment & Weightage:

1. Internal exams: 30% 2. Final exams: 70%

Assessment Tasks: Students must be able to:

• Clearly articulate the characteristics of different loan products • Clearly define the financial analysis process • Clearly define the qualitative analysis frameworks • Quality of assessments • Quality of documentation • Turnaround timelines


2nd Semester PGDBCM Non-credit course

CSO2005 – Communication & Soft Skills Learning Objectives: Professional success depends as much on knowledge and skills, as much as it depends on the ability to communicate with subordinates, peers, managers, customers and other stakeholders. This module helps students improve their verbal and written communication skills in English. It uses a blended approach that combines the domain with the language thereby bringing a context to the learning process. Unit I: Effective Work Communication – Speaking Skills Topics covered: Self-introduction – greeting people – giving and seeking instructions/ directions – making requests – questioning/enquiring, explaining or apologising – expansion of vocabulary – presentation skills – public speaking, interviews, preparing and organizing a speech – group discussions Unit II: Effective Work Communication - Writing Skills - Topics covered: structuring and organising ideas – essay writing – note making – note taking, reference summarizing – letter writing – e mail etiquettes – writing CV and Resume Unit III: Non-verbal Communication Topics covered: body Language - gesture, facial expressions, eye contact, smile - corporate etiquette & grooming Unit IV: Interview Skills Topics covered: Do’s and Don’ts – honesty and integrity – the CV phenomenon – mock interviews and feedback Unit V: Soft Skills Topics covered: goal setting – emotional intelligence – time management – positive attitude – building self confidence – character, values & integrity – proactive thinking – people skills - leadership Books & References

• Stratadigm Workbook specially designed & developed for the PGDBCM • Publications of the English & Foreign Languages University – Dr. Hemalatha Nagarajan

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