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RB102 Retail Banking Overview

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This module covers an extensive overview of retail banking, from viewing banks as financial intermediaries to considering the roles that a retail bank serves in the real economy. We also consider the typical sources of funding (i.e., the liability side of the balance sheet) that include retail deposits and wholesale funding. Later, we consider the asset side of the balance sheet that includes products and the risks embedded in the banking book and trading book. Next, we present an analysis of the income statement showing that net interest margin is the main source of income for a retail bank. We also show, as is typical for any people business, that staff costs dominate operating costs. Finally, the module concludes with the calculation of common retail banking metrics such as net interest margin (NIM), net interest spread (NIS), return on equity (ROE) and cost income ratio (CIR).

Competencies

• Implement measures to fulfill the bank’s prudential responsibilities and to maintain the bank’s sustainability.

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Start On November 26, 2016
Duration 12 Hours
Level Post Graduate
After completing this module you will be able to: • Identify sources of credit, market,operational and liquidity risk that a retail bank incurs in its traditional roles (e.g.,financial intermediation and asset transformation) in a modern economy. • Analyse the structure and information content of various categories of assets and liabilities of a retail bank’s balance sheet. • Analyse the structure, information content and sources of revenues and expenses of a retail bank’s income statement. • Calculate and interpret common banking ratios and measures including cost income ratio, net interest spread and return on equity
Price $150.00

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