Course Info
Code IND12-111
Duration 5 Days
Format Online
Course Summary
Banks and financial institutions play a major role in the development of modern society. It is important to understand the services banks provide, and how these can benefit personal and private clients.
Financial intermediation has become a crucial factor within the banking industry. Financial intermediaries are the link between investor and borrower and provide information and advice to both parties to ensure they can come to a mutually beneficial agreement. They work with the client to discuss financial options and assess risks associated with various decisions.
Banking services are vast and range in complexity. They offer simple services such as saving accounts and depositing funds, and more complicated services such as stock management and credit analysis. Financial intermediaries must be competent in these areas to enable them to better advise clients. They can analyse purchasing trends and credit scores to guide clients on the most suitable financial options.
For successful intermediation, it is important to examine financial instruments and develop a thorough understanding of financial markets, including bonds, stocks and swap markets.
- To understand the vitality of financial intermediation in banking.
- To assess the roles and responsibilities of a financial intermediary.
- To weigh in on the advantages and disadvantages of utilising financial intermediation for financial transactions.
- To implement effective risk management and mitigation for banking transactions.
- To provide recommendations and guidance on appropriate banking services to clients.
- To evaluate a bank’s income statement, balance sheet and other relevant documents.
- To examine credit risks to make safe lending decisions.
- To utilise financial instruments and methods to ensure profit.
This course is designed for anyone within banking who works as or with financial intermediaries to secure financial transactions. It would be most beneficial for:
- Financial Intermediaries
- Banking Managers
- Finance Managers
- Risk Analysts
- Financial Advisors
- Credit Analysts
- Regulatory Compliance Officers
- Investment Managers
This course uses a variety of adult learning styles to aid full understanding and comprehension. Participants will review balance sheets and income statements of established organisations to highlight key factors that would indicate financial success and challenges.
They will be provided with all the tools required to effectively partake in the arranged learning exercises. Analysing their examples, combined with seminars, group discussions and group activities, participants will have ample opportunities to develop a full and comprehensive understanding of the taught content. They will be able to utilise their new knowledge to create balance and income documents relating to their personal roles.
Course Content & Outline
- Describing what the monetary financial system is and its role in banking.
- Defining financial intermediation.
- The roles and responsibilities of a financial intermediary.
- How financial intermediation is entwined with banking services.
- The types of various financial instruments – bonds, stocks, loans, bank deposits and exchange-traded funds.
- Understanding the different financial markets.
- How banking varies depending on personal or business clients.
- The concepts, principles, and processes of various payment services.
- Ensuring banking services are accessible to all potential users.
- Saving, deposits and investments.
- Building trust with private banking clients and using intermediaries for wealth management.
- Considerations and influences of international trade.
- Defining central banks and their role in the finance industry.
- The importance of balance sheets, off balance sheets and income statements.
- What information must be included on these records.
- Comprehending international regulations of banking.
- Assets and liabilities associated with banking and financial intermediation.
- Effectively balancing capital adequacy.
- Different types of finances and their role – assets, international trade and working capital.
- Methods and programs utilised to analyse credit.
- Establishing criteria for clients who wish to access credit.
- Using credit data to assess credit applications.
- Understanding the risk of providing credit and the bank’s risk return trade off.
- How financial intermediaries contribute to collecting and analysing credit data.
- Significant events that greatly impacted banking standards – the financial crisis.
- The consequences of the financial crisis.
- Implementing derivatives through financial intermediaries to protect all parties during transactions.
- Utilising the confidence function to manage risks.
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