Banking and Financial Intermediation

Overview:

Introduction:

This training program offers a thorough understanding of financial institutions' roles and operations within the economy. It equips professionals to navigate banking complexities and contribute effectively to the financial sector.

Program Objectives:

At the end of this program, participants will be able to:

• Analyze the function and dangers of financial institutions as intermediaries in the financial system.

• Offer or look for suitable banking services

• Analyze the income statement and balance sheet of a bank.

• Make lending decisions after assessing the credit risk

• Utilize financial instruments to manage your finances and risks.

Targeted Audience:

• Decision-making Experts in the Credit Industry.

• Relationship managers are in charge of offering suitable financial services.

• Those that want to work as credit analysts.

• Those requesting funding on behalf of their business.

• Banking and the Financial Crisis enthusiasts.

Program Outline:

Unit 1:

An Overview of The Monetary Financial System: 

• The Financial and Monetary System.

• Financial Intermediation: What Is It?

• The Function and Purpose of Banking and Financial Intermediary.

• Instruments of Finance & Securitization.

• Financial Markets.

• Disintermediation.

Unit 2:

The Bank’s Balance Sheet & Income Statement:

• The Roles of the Central Banks.

• Retail, Investment & Private Banking.

• The Bank’s Income Statement.

• The Bank’s Balance Sheet.

• Assets & Liabilities.

• Capital Adequacy & International Regulation.

Unit 3:

Providing Credit – the Bank’s Major Role:

• Types of Finance: Assets, International Trade & Working Capital.

• Off Balance Sheet Finance.

• Credit Analysis/Evaluating Credit Applications.

• The Bank’s Risk Return Trade Off.

• Reducing Risk .

• Monitoring & Controlling Lending.

Unit 4:

The Financial Crisis and Lessons Learnt:                    

• Causes of the Financial Crisis.

• Consequences of the Financial Crisis.

• The Role of Derivatives.

• Lessons Learnt.

• International Regulatory Requirements.

• The Confidence Function.

Unit 5:

Banking Services:

• Personal & Business Services.

• Current Accounts & Payment Services.

• Savings & Deposits.

• Investments.

• Private Banking & Wealth Management.

• International Trade.