Commercial Banking Operations and Management
Get a complete picture of how a commercial bank works.
About this course
Get a complete picture of how a commercial bank works. Over seven days you will explore retail and corporate products, branch and back-office operations, payments and trade finance, and the full lending cycle from application to recovery.
You will also look at treasury and asset-liability management, read bank financial statements to judge performance, and review the risk and compliance duties that shape everyday work. Exercises and case studies keep the material practical and relevant to the local market.
What you'll learn
- Explain the role of commercial banks and how they earn income
- Describe retail and corporate banking products and services
- Outline core banking operations, payments and trade finance
- Apply sound lending principles from application to monitoring
- Describe treasury and asset-liability management in a bank
- Analyse bank performance using financial statements and key ratios
- Identify the main risks and compliance duties in daily banking
Curriculum
- Role of commercial banks in the economy
- The central bank and monetary policy
- Bank business models
- Regulation and supervision overview
- Deposit accounts and savings products
- Consumer and personal lending
- Cards and digital channels
- Customer service and relationship management
- Corporate accounts and cash management
- Working capital and term finance
- Relationship management for business clients
- Serving small and medium enterprises
- Branch and back-office operations
- Clearing, settlement and payment systems
- Correspondent banking
- Operational controls and error prevention
- Documentary letters of credit
- Documentary collections
- Bank guarantees
- Trade finance risks
- The credit process from application to approval
- The five Cs of credit
- Collateral and security
- Monitoring, early warning and recovery
- Liquidity management
- Interest rate risk and gap analysis
- Funds transfer pricing
- Foreign exchange operations
- Reading a bank's balance sheet and income statement
- Net interest margin and fee income
- Profitability, efficiency and asset quality ratios
- Capital adequacy in brief
- Credit, market, liquidity and operational risk
- Know your customer and AML duties
- Internal control and audit
- Ethics and conduct
Who it's for
New and developing bank staff, and professionals moving into banking from other sectors.
Before you start
- Basic knowledge of accounting or finance
Part of these Alalamia diplomas
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