Banking operations briefing

Content
Background in Banking
-Functions of a bank, credit creation, funds transmission services, types of bank: retail, savings, mortgage, commercial, investment, private bank. Regulatory developments: bis ratios and their meaning.
-Basle1 and Basle 2 outlined
-Problems of banks: liquidity, matching assets to liabilities, competition, low market growth
-Importance of alm (asset-liability management)
-Meaning and importance of cost/income ratios
-Meaning of spread and return on assets
-Current issues and influences: expansion, diversification, bank assurance

Funds Transmission
-Outline clearing system example. SEPA explained.
-Development of e-banking and its advantages
-Value v fate of a cheque
-Meaning of nostro and vostro accounts

Retail of consumer banking
-Products, savings, credit cards, mortgages, loans etc
-Deposits: type and structures: call, demand/notice loan and product pricing

Commercial banking
-Typical products: loans, deposits, funds transmission commercial lending and credit analysis in some detail commercial banking fees and profits

Client records and account maintenance
-What information is needed on an account
-Type and structure of charges

Capital markets & treasury
Background
-What are the capital markets: products and services offered?
-What is the role of treasury: products and services offered?
-Dealing desk structure
-Agent v market making or oa/propiertary dealings
-Trading principles: long and short positions
-Role of front, middle and back office
-STP, what it means and why is it important
-Basle 2 and 3 explained. Effect and consequences of the 2008 - 2010 financial crises

Treasury
-Money market products and operations
-Fixed income products outlined
-Forwards, futures and options explained as treasury products
-Swaps, FRAs, explained
-Repos and their use expanded

Capital markets
-Loan sydication explained
-Flotations, IPOs, right issues explained
-Mergers and acquisitions outlined

Foreign exchange
-Why FX requirements arise, size and nature of the markets. Main currencies involved
-Spot and cross rates
-Forward rates and how calculated
-Trading and settlement of FX deals

Swift outline & funds transfers
-What is SWIFT ? Example messages
-ISO 15022 and swiftnet explained
-Meaning of BIC and IBAN

Trade finance
-What is trade finance? Use of correspondent banks
-Types of trade finance: l/cs and their varieties meaning of confirmation, clean payment etc
-How a bank makes money out of trade finance

Private banking & wealth management
-What is Private Banking? Market size and players. Current market issues e.g government exchange of information, capitalisation, Madoff fraud consequences and Due Diligence
-Products offered and their attraction.
-Needs of a Private Banker
-Jargon explained: discretionary, advisory and execution.
-Outline of portfolio management.



Todays Date: 8 September 2017
Duration 2 days