BANKING FUNDAMENTALS

COURSE DESCRIPTION

Banking Fundamentals program provides an exhaustive coverage of the banking system and its functions. A holistic program designed to impart knowledge about types and nature of banks, global banking trends, RBI policy measures, various acts and regulations relevant to banking industry, banking products etc.


CERTIFICATION AWARDED

On successful completion of the program, you would be awarded the foundational certification in BANKING FUNDAMENTALS” by Moody’s Analytics and EduEdgePro.


COURSE COLLATERALS AND HIGHLIGHTS

  • Exhaustive reading material covering the 9 sections outlined below
  • Course delivery by domain experts
  • Researched, industry-relevant, industry –vetted curriculum
  • Integrated and Holistic learning approach
 Fast Facts

 Certified by :
 Moody’s Analytics and EduEdgePro

 Broad Coverage:
  • Banking system structure
  • Corporate Banking
  • Retail Banking
  • Central Banks and its role
  • International Banking
  • Non-Banking Finance Companies
  • Payment Banks
  • Non-performing assets (NPA): Concept, Measures and Acts
  • Banking Products: Trade Products, Debt Products

Mode of Delivery

Price

Duration
Offline Training
(Classroom)

Rs. 20,000 plus
taxes

40 Hours


E-Learning


Rs. 5,000 plus
taxes

20 Hours


Customized In-house
Group Training
Contact us


Customized



COURSE OBJECTIVE

  • To get familiarised with global and Indian banking system
  • Understanding different structures of banks
  • Developing an understanding of Asset Liability Management
  • Understanding key banking terminologies and concepts
  • Understanding functions of Commercial and Retail banks
  • Learning the concept of NPA and various measures related to NPA resolution
  • Understanding the role of RBI
  • Learn about various key regulations
  • Thorough understanding of various banking products


WHO SHOULD ATTEND

The course is an exhaustive course providing an overview of the banking system. The course is ideal for anyone who wants to explore the field of Banking and make a career as a Banker.


DETAILED CURRICULUM

Section 1 - Banking System Overview

In this section, you will learn about global banking system, its evolution, several functions of a bank and types of banks. Subsequently, an overview is provided on the Indian banking system and role of RBI in Indian context.

  • Definition of Banking
  • Other Financial Institutions
  • Evolution of Banking System
  • Nature of Banks
  • Characteristics of Banks
  • Functions of Banks
  • Business Model of a Bank
  • Indian Banking System
  • Different players in Indian banking system
  • Central Banks and functions of a central bank
  • Role of RBI in Indian Banking System
  • Trends in Banking System (Global and Domestic)

Section 2 - Analysis of Banking Structure

This section identifies several key elements of the bank’s balance sheet. You will develop an understanding of assets and liabilities for a bank, bank capital, long term debt, book size, risks for a bank and identifying those risks etc.

  • Interpreting Bank Balance sheet
  • Financial Statement Analysis
  • Bank Performance Measurement
  • Measuring Risk in Banking
  • Bank Capital
  • Long Term debt and Loss reserves
  • Types of banks

Section 3 - Scheduled Commercial Banks

The focus of this section is on commercial banks and their functions. Several key concepts that are relevant in the banking system such as CRR, SLR, Repos, Reverse Repos, NIM, NII will be discussed. A detailed understanding of Asset and Liability Management, Capital Adequacy and Asset Quality Review will form a sound foundation for a banking career.

  • Overview of Scheduled Commercial Banks
  • Assets and Liabilities Management
  • Assets and Liabilities Management
  • Capital Adequacy and Risk adjusted requirements
  • Risk Weighted Approach
  • Concept of CRR, SLR, Repo, Reverse Repo, NII, NIM, LIBOR
  • Loans and Advances: Fund based and non-fund based facilities
  • Asset Quality Review
  • Functions of Commercial Banks – Primary and Secondary

Section 4 - Retail Banking

This section covers retail banks and their role. A brief overview of retails banks is followed by a detailed discussion about various retail banking products such as current accounts, savings accounts, different types of loans, other products such as mutual funds, insurance etc., internet banking features such as NEFT, RTGS, IMPS etc.

  • Retail Banking: Overview
  • Savings Account, Current Accounts, CASA Ratios, Term Deposits
  • Know Your Customer (KYC): Basics and Importance
  • Mutual Funds, Remittances, Insurance, Cheques, Demand Draft
  • Personal Loan, Car Loan, Home Loan, Credit Card Loan
  • Internet Banking, NEFT, RTGS
  • Private Banking

Section 5 - International Banking, NBFC and Payment Systems

This section will explore another type of banking system namely International banking and non-banking financial companies alongwith payment banks. You will learn about NRI banking and types of NRI accounts, types of export finance, CAMELS system. Also, various functions of NBFCs, how they are different from conventional banks and various payment banks and emerging field of payment banks will be discussed

  • NRI Accounts
  • Difference Between Various NRI Accounts in India
  • Types of Foreign Accounts in India
  • Types of Export Finance
  • CAMELS Rating System
  • Types of Non-Banking Financial Companies(NBFCs)
  • Functions of NBFC
  • Non-Banking Finance Company: Important Key Points
  • Role of Immediate Payment Services in Banking
  • Payment Banks in India

Section 6 - NPA – Management and Resolutions

Non-performing asset (NPA) is one of the major problems faced by Indian banks. The section gives significant insights about NPA, how to classify an NPA, measures taken by RBI to tackle the issue, and SARFAESI Act and its importance.

  • Concept of NPA
  • Provisions for NPA
  • RBI measures on NPA
  • NPA and SARFAESI Act
  • Special Mention Account

Section 7 - Reserve Bank of India

This section focuses on understanding the role that Reserve Bank of India plays as a regulator for the Indian Banking system. A brief overview of RBI is followed by a detailed discussion of various tools used by RBI to control liquidity in the system, monetary policies of RBI, and Marginal costs of fund based lending rate (MCLR) and its importance.

  • Overview of RBI
  • Monetary Policy and tools
  • Relationship between Money Supply and Monetary Policy
  • Fiscal Policy vs. Monetary Policy
  • Credit Control methods of RBI
  • Marginal Costs of Funds Based Lending Rate (MCLR)
  • Base Rate and differential rates of interest
  • Unified Payment Interface (UPI)

Section 8 - Regulations and Acts related to Banking

This section explores recent developments in the banking system and various regulations and acts that are significant. A brief introduction is given about key acts and aspects such as Benami Transaction Amendment Act, Banking Transaction Tax, Insolvency and Bankruptcy Code etc.

  • Foreign Exchange Regulation Act
  • Benami Transaction Amendment Act, 2016
  • Banking Transaction Tax
  • Prevention of Money Laundering Act 2002: Explained
  • GAAR-General Anti-Avoidance Rules: Explained with Examples
  • Insolvency and Bankruptcy Code, 2016
  • Negotiable Instruments Act

Section 9 - Regulations and Acts related to Banking

This section describes various corporate banking products offered to clients. Several debt products such as Term loan, working capital loan, capex loan, are explained along with optionlike features in a loan. Also, various trade finance products such Letter of Credit (LC), export finance products, are also covered in detail.

Debt Products

  • Classification of Debt Products
  • Working Capital Loans
  • Capital Expenditure (Capex) Loans and Project Finance
  • Term Loan - Put / Call Option
  • General Corporate
  • Purpose / Cash Flow Mismatch Loans
  • Agricultural / Rural Loans & MSME loans
  • Bridge Loans
  • Real Estate Exposure

Trade Products

  • International Trade Transaction
  • Trade Transactions: Letter of Credit (LC)
  • LC Process Flow - Issuance and Settlement
  • Bank Guarantees and its Types
  • Trade Finance Products
  • Trade Finance for Exporters - Pre Shipment Export Finance
  • Post Shipment Export Finance
  • Factoring
  • Trade Finance for Importers

DETAILED CASE STUDY AND EXCEL IMPLEMENTION

Let us bring our classes to you! Our in-house training are ideal for groups of 10 or more people. We can provide Off-the-shelf training in the form of our classic courses, or we can provide bespoke training, tailored to your organizational goals and objectives. Please contact us for further destails

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