Description:
This tutorial examines the main asset classes that are used to diversify an investment portfolio, including equities, fixed income, money market securities, real estate, and alternative assets.
Description:
A critical effect of the global financial crisis was that it re-engaged the public with the workings of the financial system and its power to directly affect their economic wellbeing. This led to a re-evaluation of the role and purpose of banking by the political class. One of the outcomes of this was that the banking industry was directed to focus its attention on the needs of the “real” economy – the servicing of consumers and businesses – rather than perceived risky or speculative banking activities. However, while there is a political imperative for banks to serve the real economy, consumer banking activities are taking place in an environment of unprecedented regulatory activity and supervisory scrutiny. This tutorial provides an overview of the consumer/retail banking business, from its roots in the commercial banks of old that offered personal banking services to business owners to the growth of a mass-market industry and subsequent consumer banking product and channel development in the context of technologies such as the Internet and the smartphone.
Description:
Most consumer banking products and services fit into fairly simple, broad functions such as checking/current and savings accounts, extending credit, and moving money. The product portfolio in a well-run consumer bank, unlike some other banking business lines, has the major benefit of a relatively stable risk profile because deposits tend to be constant and loans are not usually subject to wild fluctuations in terms of repayment performance. This tutorial describes how the consumer banking portfolio must be viewed with regard to all of a customer’s financial needs, and analyzes the revenue and cost dynamics within both individual products and across a product portfolio/consumer bank P&L.
Description:
Since the widespread introduction of the ATM in the 1970s, consumer banking has seen a progressive expansion of alternative delivery channels to the bank branch. The impact of telephone banking, the Internet, and the mobile device has been so huge that these remote channels are now considered decidedly mainstream. This tutorial describes the evolution of the various remote channels and how they have affected branch banking dynamics. It outlines best practice in managing each individual channel and, critically, what principles must be observed to offer an integrated channel offering that takes an overall customer view rather than a narrow channel-oriented focus.
Description:
This tutorial introduces the concept of credit analysis and sets out the details of a structured approach that will help credit analysts and other interest parties to extract meaningful information from the key sources of financial data and information – the balance sheet, the income statement, and the statement of cash flows
Description:
Trade transactions present a number of potential difficulties for the parties – buyers (importers) and sellers (exporters) – involved in such transactions. These challenges include ascertaining a method of payment that is acceptable to both parties and obtaining access to appropriate products in order to finance transactions. This tutorial addresses these issues in detail as well as looking at various other aspects of trade finance.
Description:
This Training will explain the strategic importance of Small and Medium Enterprises (SMEs); introduce to the participants the key characteristics of SMEs. The training will also present different sources of finance SMEs.