Main activities of banks

This section will provide an introduction to individual banking activities. They will acquaint students with the typology of banks according to activities. The key here is to clarify the differences between investment and commercial banking. The concept and meaning of the banking book will be explained. The construction of the banks' balance sheet will be discussed. The loan and the credit process and the creation of the bank's profit will be highlighted. Basic acquaintance with the concept and meaning of bank capital and bank liquidity.

Banking risk

The section introduces the importance of risk in banking. Key types of banking risks will be introduced and explained, especially credit risk, market risk, operational risk, regulatory risk, reputation risk, liquidity risk. The section will further acquaint with the processes of how banks handle risk and what problems they face in connection with risk. The section will therefore also affect the regulation of banks in the area of risk management.

Regulation of the banking sector

The section will be fully devoted to the comprehensive issues of the banking sector. The section will introduce the reasons for the intensified regulation of the banking sector in recent years. The importance of the so-called capital adequacy and its individual pillars (ICAAP) will be reminded in more detail, as well as capital cushions and coverage of systematic risk, measures in case of lack of capital. The section will also focus on the development of regulation after the global financial crisis, including the so-called "macroprudential" regulation.

Management of bank assets and liabilities (ALM)

The section contains the main principles of operation and management of bank assets and liabilities. The section contains the issue of minimizing interest rate, or exchange rate and liquidity risk. The importance of the yield curve in banking will be highlighted. Other related topics such as "asset allocation (ALCO)" and the bank's investment portfolio will also be mentioned.

Banking crisis

The section deals with crisis developments in banking and procedures in the event of turbulence in the financial sector. Measures in the event of a liquidity crisis as well as a systemic banking crisis will be addressed. Measures in case of lack of capital will be explained. The importance of the banking sector in the economy and the issue of so-called "too big too fail" will be discussed. The issue of regulation in the field of "recovery and resolution" will be outlined. The issue of deposit insurance and the resolution fund will be discussed.

Bank strategy

The section deals with the issue of coping with the banking sector with new trends, changes in technology and regulatory impacts. The impact of virtual money on the banking sector will be discussed. The link between commercial banking, the money market and monetary policy will be discussed. The importance of the banking sector for the country's economic policy will be emphasized.

Introduction of the BIAN organization and the use of their outputs in the field of IT banking houses

Product portfolio

Product catalog and its structure. Product catalog configuration. Hierarchy in the product catalog. Fees.

Channels + Party - Direct channels

Distribution channels. Definition of stakeholders and their role. Consolidation and alignment of products and services. Consolidation approaches.

Security

Basic concepts in security. Definition of safety vs. security. Physical security. Information security. Encrypted communication and data security. Data anonymization. Security audit. Authentication. Authorization. Identity management.

Marketing and Customer management

Brochures. Campaigns. Client management. CRM.

Fraud, AML

Definition of fraud. Fraud detection options. Prevention. Definition of AML and its mechanisms. Self-learning tools and systems. Legislative amendments.

Bank as a department

A view of the bank and its division. Board of Directors. Procurement. Risk. Finance Department. IT department. Operations. Facility. HR.

Operations

Definition of operations of his competence. Definition of DevOps. Development environments. Locations. Deployment.

Loans

Corporate loans, Retail loans, Credit risk, Collateral management.

Deposits

Current account (retail), Current account (corporate), Passbook, Savings account, Authorization and account management. Signature patterns.

Cards

Credit, debit and charge card. New payment channels. The life cycle of a card payment transaction. Technical elements on the cards. Legislative amendments.

Investment management

Planning, Analysis. E-Trading. Wealth management.

Trade banking

Warranties and guarantees. Syndicated loans. Factoring.

FinTech

Modern approaches to banking. Real time marketing. OmniChannel. BlockChain. CryptoCurrency.

Offline systems

How they work and what they provide. Definition and introduction of DWH and ODS.