Course Description
This course follows the NCTB syllabus for SSC Finance (Finance & Banking). It develops financial literacy and an understanding of how the monetary system and financial institutions work. Core coverage includes money and its functions, financial intermediaries and markets, Bangladesh Bank and commercial banking, deposit and loan products, payment systems (cheque/online/mobile), interest calculations, savings and investment instruments, stock exchange fundamentals, risk and return, insurance as risk-sharing (overview), and elements of public finance (government budget, revenue and taxation). Learners practice documents and forms, routine calculations, short case analysis, and exam-style responses aligned with SSC marking criteria.
Course Content
Unit 1: Introduction to Finance and Banking
- Meaning and Importance of Finance
- Scope of Finance
- Objectives of Finance
- Concept and Functions of Financial Management
- Concept and Functions of Banking
- Importance of Finance and Banking in National Development
Unit 2: Sources of Finance
- Classification of Sources of Finance
- Short-term Sources
- Medium-term Sources
- Long-term Sources
- Internal and External Sources of Finance
- Advantages and Disadvantages of Different Sources
Unit 3: Financial Institutions and Markets
- Concept of Financial Institution
- Types of Financial Institutions (Banking and Non-banking)
- Financial Market: Concept and Classification
- Capital Market and Money Market
- Functions of the Financial Market
- Role of Financial Institutions in Economic Development
Unit 4: Banks and Their Activities
- Definition and Features of Bank
- Types of Banks
- Commercial Banks and Their Functions
- Central Bank: Role and Functions
- Specialized Banks in Bangladesh
- Relationship Between Banker and Customer
Unit 5: Bank Accounts and Cheques
- Types of Bank Accounts
- Procedure for Opening a Bank Account
- Bank Deposit and Withdrawal System
- Cheque: Definition, Features, and Types
- Crossing and Endorsement of Cheque
- Dishonour of Cheque
Unit 6: Loans and Advances
- Concept and Classification of Loans
- Principles of Sound Lending
- Security Against Loans
- Types of Advances
- Recovery of Loans
- Problems and Remedies of Loan Default
Unit 7: Islamic Banking and Digital Banking
- Concept of Islamic Banking
- Principles of Islamic Banking
- Differences Between Conventional and Islamic Banking
- Digital Banking: Concept and Features
- Advantages and Challenges of Digital Banking
Unit 8: Central Bank and Monetary Policy
- Bangladesh Bank: Structure and Functions
- Instruments of Monetary Policy
- Objectives of Monetary Policy
- Role of Bangladesh Bank in Economic Stability
- Relationship Between Central and Commercial Banks
Unit 9: Insurance
- Concept and Importance of Insurance
- Principles of Insurance
- Types of Insurance (Life and General)
- Functions of Insurance
- Role of Insurance in Business and National Development
Unit 10: Capital Market and Securities
- Concept of Capital Market
- Functions and Importance of Capital Market
- Stock Exchange: Concept and Functions
- Securities and Their Types (Share, Bond, Debenture)
- Role of SEC in Capital Market Regulation
- Problems and Prospects of Capital Market in Bangladesh
Unit 11: Budget and Taxation
- Meaning and Importance of Budget
- Types of Budget
- Stages of Budget Preparation
- Concept of Tax and Its Importance
- Types of Taxes
- Role of Taxation in Economic Development
Unit 12: Public Finance and National Income
- Concept and Scope of Public Finance
- Sources of Public Revenue
- Public Expenditure and Its Classification
- National Income: Meaning and Methods of Measurement
- Importance and Limitations of National Income
- Relationship Between Public Finance and National Income
Unit 13: Entrepreneurship and Financial Planning
- Concept of Entrepreneurship
- Characteristics of Entrepreneurs
- Importance of Entrepreneurship in National Development
- Financial Planning for Entrepreneurs
- Sources of Entrepreneurial Finance
- Role of SME Financing in Bangladesh
Unit 14: Contemporary Issues in Finance and Banking
- Mobile Banking and Agent Banking
- FinTech and E-Payment Systems
- Money Laundering and Its Prevention
- Financial Inclusion
- Sustainable Finance and Green Banking
- Globalization and Its Impact on Finance and Banking
Learning Objectives
System Understanding — Explain the roles of money, financial institutions and markets; distinguish central bank functions from commercial banking services.
Banking Skills — Identify account types and processes; complete routine banking documents; describe payment methods and basic safety practices.
Computation — Solve simple and compound interest problems; apply percentage/ratio in finance contexts; interpret basic bank statements.
Savings & Investment — Compare common saving options and introductory investment vehicles with risks/returns at an SSC level.
Public Finance Awareness — Outline taxation basics, VAT idea, and the components/purpose of a government budget.
Risk & Protection — State the principles of insurance and its role in sharing risk for individuals and businesses.
Ethics & Consumer Rights — Demonstrate responsible, ethical finance behaviour and awareness of fraud prevention and customer rights.
Exam Preparedness — Present neat, structured answers with calculations and examples; manage time and avoid common errors per SSC marking criteria.
