Operations of commercial banks

Indicative content

1. Principles and legal aspects of the activities of commercial banks. Definition of commercial banking and operations of commercial banks in EU and Slovak legislation. Breakdown of commercial bank operations according to the Banking Act. Identification of cost and revenue operations of commercial banks.
2. Operations on the interbank market and foreign exchange operations of commercial banks. Definition of treasury and interbank operations, from the point of view of the bank and the client. Their place in the balance sheets of banks. Definition of interbank operations and their price. Reference banks. Currency exchange operations.
3. Obtaining the resources of commercial banks from the external environment. External financing. Current account, its importance from the point of view of the client and the bank, opening a CA. Sources obtained by issuing securities - types, their importance for the client and the bank, their advantages and disadvantages. Covered bonds - reasons for issue, interbank loans.
4. Acquisition of capital and share capital of commercial banks. Effective increase of ZI - issue of new securities. Nominal increase in share capital - increase in share capital from the bank 's assets. Long - term subordinated debt - external resources used to increase the bank 's capital. The Joint Stock Companies Act and the Civil Code.
5. Regulation of deposit insurance at national and European level. Deposits that are subject to protection in the Slovak Republic, the amount of protection of deposits in the Slovak Republic. Corporate governance - essence, implementation in banking. Moral hazard and wrong choice, importance in banking. Legislation. EU countries' approach to deposit protection.
6. Compliance operations. Bank secrecy and exceptions to bank secrecy. Illegal operations, their identification and impact on the bank. Money laundering - measures against them. EU legislation on protection against money laundering.
7. Credit operations of commercial banks. Credit process in a commercial bank on a specific example. Rating of clients - procedures for checking the creditworthiness of the client. Gap analysis of bank loans - a forecast of how the demand for a new loan product will develop. Case Study.
8. Operations of commercial banks for corporate clients. Operational and investment financing..Operations with municipalities - e.g. financing of selected projects. Financing of development projects - on a concrete example. Export financing. Guarantees provided to the corporation - off-balance sheet operations.
9. Asset securitization. Balance and off-balance sheet securitization - on a concrete example. Securitization with and without recursion. Positives and risks of securitization - e.g. abuse of securitization principles. Application of securitization in the practice of selected countries and banks.
10. Payment system and settlement between banks. Identification of TARGET, TARGET II, SEPA, SWIFT payment systems. Basic principles of RTGS, their importance. Changes in the payment system PSD2.
11. Electronic banking services. Technique of providing electronic banking services. Electronic banking products, risks and threats. Possibilities of their detection and elimination.
12. Loans for housing and building savings in the conditions of the Slovak Republic. Housing loans, their economic and legislative characteristics. Housing lending conditions adopted by the central bank in connection with the COVID pandemic. Building savings in Slovakia. Building savings legislation, Target amount, state premium - current data. Building savings in practice in Slovakia.
13. Impacts of the external environment on the operations of commercial banks. Impacts of the pandemic on the operations of commercial banks. Impacts of corruption, political risks. Bank transfer. The essence, reasons for introduction, meaning, positives, negatives. Indebtedness of the population - the essence. Personal bankruptcy and its impact on credit management - a concrete example.