Banking Course

Lesson 1 • Banking Business Models and Revenue

Explains net interest income, fee income, and trading revenue as the three pillars of bank earnings. Prepares students to analyse financial performance in later chapters.

Lesson 2 • The Role of Banks in the Economy

Covers how banks function as financial intermediaries connecting savers and borrowers. Anchors the chapter by defining banking's economic purpose and societal impact.

Lesson 3 • Core Banking Products and Services

Surveys deposits, loans, payments, and fee-based services as the primary revenue sources. Connects product knowledge to bank profitability concepts introduced later.

Lesson 4 • Types of Banking Institutions

Distinguishes retail, commercial, investment, and central banks by function and customer base. Provides the institutional map students need for all subsequent chapters.

Lesson 1 • Asset Quality and Credit Metrics

Examines non-performing loans, loan loss reserves, and charge-off rates as indicators of portfolio health. Directly supports the credit risk analysis covered in Chapter 3.

Lesson 2 • Structure of the Bank Balance Sheet

Maps assets, liabilities, and equity as they appear in a bank's balance sheet. Establishes the accounting foundation required for all financial analysis in this chapter.

Lesson 3 • Capital Adequacy Assessment

Explains tier-one and tier-two capital, risk-weighted assets, and minimum capital ratios. Students can evaluate whether a bank meets regulatory solvency requirements.

Lesson 4 • The Bank Income Statement

Breaks down interest income, non-interest income, provisions, and net profit line by line. Students connect income statement items to balance sheet drivers.

Lesson 1 • Loan Structuring and Documentation

Addresses loan terms, covenants, collateral agreements, and credit approval documentation. Ensures students can translate analysis into a properly structured credit facility.

Lesson 2 • The Five Cs of Credit

Applies the character, capacity, capital, collateral, and conditions framework to borrower assessment. Gives students a structured checklist for consistent credit evaluation.

Lesson 3 • Commercial Credit Analysis

Teaches financial statement spreading, cash flow analysis, and industry risk assessment for business borrowers. Builds on the financial statement skills from Chapter 2.

Lesson 4 • Principles of Credit Risk

Defines credit risk, default probability, loss given default, and exposure at default. Establishes the conceptual framework for every lending decision in this chapter.

Lesson 1 • Funding Mix and Structural Balance

Integrates deposit and wholesale sources into a coherent funding mix aligned with asset maturity. Prepares students for the liquidity risk management chapter that follows.

Lesson 2 • Deposit Insurance and Depositor Protection

Explains government-backed deposit insurance schemes, coverage limits, and their effect on depositor confidence. Connects regulatory protection to funding stability.

Lesson 3 • Deposit Products and Customer Behaviour

Analyses demand, savings, time, and money market deposits by cost, stability, and customer segment. Provides the product foundation for funding strategy decisions.

Lesson 4 • Deposit Pricing Strategies

Covers cost-of-funds pricing, competitive benchmarking, and promotional rate tactics. Students learn to balance deposit growth with funding cost management.

Lesson 1 • Liquidity Measurement and Regulatory Ratios

Covers the liquidity coverage ratio, net stable funding ratio, and internal liquidity stress testing. Students can calculate and interpret standard regulatory liquidity metrics.

Lesson 2 • Interest Rate Risk Concepts

Introduces repricing risk, yield curve risk, basis risk, and optionality risk in banking book positions. Connects interest rate movements to net interest income and economic value.

Lesson 3 • Measuring Interest Rate Sensitivity

Applies gap analysis, duration, and earnings-at-risk models to quantify interest rate exposure. Builds on balance sheet knowledge from Chapter 2 to produce actionable risk metrics.

Lesson 4 • Liquidity Risk Fundamentals

Defines funding liquidity, market liquidity, and the conditions that trigger liquidity stress. Establishes the risk vocabulary needed for measurement and management sections.

Lesson 1 • Stress Testing and Capital Planning

Covers supervisory and internal stress test design, scenario construction, and capital buffer planning. Connects capital adequacy metrics from Chapter 2 to forward-looking planning.

Lesson 2 • Building an Effective Compliance Programme

Outlines compliance programme components including policies, training, testing, and board oversight. Prepares students to design or evaluate a bank's compliance infrastructure.

Lesson 3 • Anti-Money Laundering and Financial Crime

Addresses know-your-customer requirements, transaction monitoring, suspicious activity reporting, and sanctions screening. Students understand the compliance obligations that protect banks from financial crime.

Lesson 4 • International Capital Standards Overview

Traces the evolution of global capital accords and their three-pillar structure of minimum capital, supervision, and disclosure. Provides the regulatory context for all capital calculations.

Lesson 1 • Retail Branch Operations

Covers account opening, teller transactions, cash management, and branch security protocols. Grounds students in the operational realities of front-line banking service delivery.

Lesson 2 • Customer Onboarding and KYC

Details identity verification, beneficial ownership documentation, and risk-based customer classification. Connects compliance requirements from Chapter 6 to practical onboarding workflows.

Lesson 3 • Payment Systems and Transaction Processing

Explains domestic and cross-border payment rails, clearing and settlement cycles, and error resolution. Provides operational context for the payment products introduced in Chapter 1.

Lesson 4 • Operational Risk and Internal Controls

Identifies process failures, fraud schemes, and control weaknesses common in banking operations. Students can design control frameworks to reduce operational loss exposure.

Lesson 1 • Bank Strategy Formulation

Applies competitive analysis, market positioning, and business model design to banking strategy. Synthesises all prior chapters into a coherent strategic planning process.

Lesson 2 • Sustainable Banking and Long-Term Value

Addresses environmental and social risk integration, responsible lending standards, and stakeholder value creation. Positions students to lead banks towards resilient, long-term business models.

Lesson 3 • Mergers, Acquisitions, and Restructuring

Examines bank merger rationale, due diligence, integration planning, and post-merger performance. Applies valuation and financial analysis skills from earlier chapters to M&A contexts.

Lesson 4 • Profitability and Performance Metrics

Covers risk-adjusted return on capital, economic profit, and balanced scorecard frameworks for bank performance. Enables students to set and monitor meaningful performance targets.