Course Overview
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Course Synopsis
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This course is the study of the provision of products and services to meet the financial needs of individuals with a steady and verifiable income flow. This course starts with a survey of consumer banking, consumer banking products from deposits, and credit cards to mortgage, auto, house and personal loans, risk assessment related to these loans and followed by an investigation of mobile / internet banking services, customer asset management system; call centers effectiveness, and the real-life case study.
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Course Learning Outcomes
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Upon completion of the course you will gain:
- Basic Understanding of Consumer Banking, Banking Business Model
- Emerging Issues in Consumer Banking
- The Nature and Importance of Credit Risk- Largest Source of Bank Losses
- Risk Analysis and Critical Success Factors
- Understanding of the Concept of Risk Management, How to Use a Variety of Derivative Financial Strategies to Manage Risk. Learn How Hedging Can Positively Affect An Organization’s Risk Exposure
- Formulation And Implementation of The Risk Management Strategies That Are Consistent With Corporate Goals
- An opportunity to undertake some additional/complimentary learning which could help them succeed in their work/professional lives, i.e. choosing any occupation/carrier in general or Banking/Finance in particular
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Course Calendar
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3
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Bank Business & Operating Model (BOM): An Extended Context
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4
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Consumer, Consumer Rights & Protection
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5
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Key Issues in CB --- Consumer's Perspective
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6
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Emerging Issues in Retail Banking
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Assignment 1
7
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Structure of Bank Credit Risk --- An Overview
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8
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Structure of Bank Credit Risk --- An Overview (Contd...)
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9
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Consumer Lending Basics / Credit Scoring Methodology
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10
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Costing / Pricing of CB Products
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Quiz 1
11
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Costing / Pricing of CB Products (Contd...)
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12
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Bank Schedule of Charges
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13
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Consumer Financing in Pakistan Issues, Challenges and Way Forward Study / Report
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14
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Code of Consumer Banking Practice: The Association of Banks in Singapore
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15
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Growth Strategy in Retail Banking Structured Relationship Approach
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16
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Growth Strategy in Retail Banking Structured Relationship Approach (Contd...)
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17
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Growth Strategy in Retail Banking Structured Relationship Approach (Contd….)
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Quiz 2
18
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Growth Agenda in Financial Industry
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19
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Capturing Consumer Finance Opportunties in Emerging Markets
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GDB
20
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India Consumer Banking Landscape
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21
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The Next 4 Billion Market Size & Business Strategy at the Base of the Pyramid an IFC/World Resources Institute Report (2007)
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22
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Market-Based Approach for Poverty Reduction
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23
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Financial Services Market within BOP
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25
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Reflection Time (Contd....)
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26
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SBP Risk Management Guidelines
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27
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ERM: Development & Implementation of “Integrated Approaches” to Measure and Manage Risks across the Enterprise
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28
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ERM: Development & Implementation of “Integrated Approaches” to Measure and Manage Risks across the Enterprise (Contd...)
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29
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Risk Appetite: How Hungry are you?
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30
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A Structured Approach to Establishing a Risk Appetite Statement
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31
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ERM at Asian Banks from Challenges to Strategies a Study by Asia Risk Management Institute (ARMI)
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32
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ERM at Asian Banks from Challenges to Strategies: A Study by Asia Risk Management Institute (ARMI) (Contd…)
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33
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Service Management Breaking the Trade-off between Efficiency and Service
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34
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Service Management Breaking the Trade-off between Efficiency and Service (Contd...)
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Quiz 3
35
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Why Bank Customer Experience Matters?
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36
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Moments of Truth in Retail Banking……Managing Customer Interactions to Enhance Loyalty, Satisfaction & Share of the Wallet
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38
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Housing/Mortgage Finance in Pakistan
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39
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Housing/Mortgage Finance in Pakistan (Contd...)
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40
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Global Perspective on Managing Mortgage Profitability Retail Banks at a Crossroad in 2009 Principal Findings
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41
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Auto Financing/Leasing In Pakistan
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42
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SBP Operational Guidelines for Credit Cards Business in Pakistan
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43
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Building Consumer Trust in Retail Payments
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44
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Evolving Models of Retail Banking Distribution Capitalizing on Changes in Channel Usage
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45
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Fit, Focused and Ready to Fight How Banks can get in Shape for the Battle Ahead……
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