Banking

Indicative content

1. Banking system, characteristics of the bank as a business entity
• One-tier and two-tier banking system
• Breakdown of banks according to individual criteria
• Organizational forms of foreign banks.
• Banking system in the Slovak Republic and its development.
2. Business environment in banking in the context of banking regulation
• Ways of changing reserves in the banking system
• Importance of minimum reserves in a commercial bank
• Basic principles of regulation and supervision
• Sectoral and functional models of supervision.
• The impact of the external environment on the business of commercial banks and on banking regulation.
3. Balance sheet principle in banking, characteristics and composition of assets and liabilities of the bank
• Balance sheet of a commercial bank
• Theoretical definition of the bank's assets and liabilities
• Characteristics of basic items of assets and liabilities
• Profit and loss statement
• Cash flow statement, importance in valuing commercial banks.
• Basics of accounting for costs, revenues, assets and liabilities of the bank
• Basic approaches to valuing the bank's assets and liabilities
• Cost and revenue management in a commercial bank.
4. Profitability, performance, efficiency of a commercial bank. Business risks of commercial banks.
• Basic indicators of efficiency, performance and profitability of a commercial bank
• Ways to measure the profitability, performance and efficiency of commercial banks
• Basic breakdown of banking risks
• Liquidity risk
• Credit-, market-, operational risk
• Basic methods of bank risk management.
5. Capital of a commercial bank, characteristics, structure and importance of the bank's capital
• Definition of the bank's capital
• Bank capital functions
• Tier I-III of capital as recommended by the Basel Committee on Banking Supervision
• The bank's capital and reserves within Basel I - III.
6. Liquidity and solvency of a commercial bank
• Defining the terms liquidity and solvency
• Liquidity and reserves
• Liquidity and market interest rates
• Gap analysis
• Liquidity gap
• Solvency and solvency ratios
• An example of the net value of a bank.
7. Capital adequacy of a commercial bank
• Defining capital adequacy.
• Credit and market risks (interest rate, equity, commodity and foreign exchange risk), operational risk.
• Capital coverage.
• The bank's business and banking portfolio.
• Loss coverage.
• The role of capital in new regulatory measures.
• Bail-in, Bail-out approaches.
8. Passive operations of commercial banks
• Forms of passive operations
• Obtaining foreign and own resources
• Deposit operations
• Issuance of securities
• Types of deposits
• Ways to increase the bank's share capital.
9. Theoretical and economic foundations of mortgage banking
• Mortgage banking models
• The position of mortgage banking entities
• Basic mortgage transactions
• Mortgage banking risks
• 20 years of mortgages in Slovakia
• Significant changes in mortgage banking in Slovakia after 2018.
• Corporate social responsibility, positive examples.
• Support of ecological and community products of banks.
10. Active operations of commercial banks. Forms and characteristics of loans
• Forms of assets and active operations
• Credit process in the bank, procedure
• Client creditworthiness, bankruptcy risk, fraud risk
• The importance of loans from the bank's point of view
• Technique of providing individual loans
• Long-term loans and their special place in the structure of assets.
11. Payment system - tools and forms of payment system
• Breakdown of the payment system according to individual aspects
• Cashless payment instruments
• Interbank payments and settlement
• TARGET2, SIPS, SWIFT
• Innovations in the implementation of payments and in the tools of the PS
• Current direction of development of bank payment services.
12. Foreign exchange operations of commercial banks
• Exchange rates / currency, purchase / sale
• Foreign exchange position and exchange rate risk of a commercial bank
• Bank's foreign exchange profit from treasury operations, accounting display in the bank.
13. Basics of investment banking
• Characteristics of investment banking operations
• Investment financing of corporate clients.
• Investment banking services and operations
• Importance of investment banking.