BNK603 : Consumer Banking

Course Overview

Course Synopsis

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.

Course Learning Outcomes

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


Course Calendar

1 Consumer Banking
2 Profit Boosters
3 Bank Business & Operating Model (BOM): An Extended Context
4 Consumer, Consumer Rights & Protection
5 Key Issues in CB --- Consumer's Perspective
6 Emerging Issues in Retail Banking
Assignment 1
7 Structure of Bank Credit Risk --- An Overview
8 Structure of Bank Credit Risk --- An Overview (Contd...)
9 Consumer Lending Basics / Credit Scoring Methodology
10 Costing / Pricing of CB Products
Quiz 1
11 Costing / Pricing of CB Products (Contd...)
12 Bank Schedule of Charges
13 Consumer Financing in Pakistan Issues, Challenges and Way Forward Study / Report
14 Code of Consumer Banking Practice: The Association of Banks in Singapore
15 Growth Strategy in Retail Banking Structured Relationship Approach
16 Growth Strategy in Retail Banking Structured Relationship Approach (Contd...)
17 Growth Strategy in Retail Banking Structured Relationship Approach (Contd….)
Quiz 2
18 Growth Agenda in Financial Industry
19 Capturing Consumer Finance Opportunties in Emerging Markets
GDB
20 India Consumer Banking Landscape
21 The Next 4 Billion Market Size & Business Strategy at the Base of the Pyramid an IFC/World Resources Institute Report (2007)
22 Market-Based Approach for Poverty Reduction
23 Financial Services Market within BOP
24 Reflection Time
25 Reflection Time (Contd....)
26 SBP Risk Management Guidelines
27 ERM: Development & Implementation of “Integrated Approaches” to Measure and Manage Risks across the Enterprise
28 ERM: Development & Implementation of “Integrated Approaches” to Measure and Manage Risks across the Enterprise (Contd...)
29 Risk Appetite: How Hungry are you?
30 A Structured Approach to Establishing a Risk Appetite Statement
31 ERM at Asian Banks from Challenges to Strategies a Study by Asia Risk Management Institute (ARMI)
32 ERM at Asian Banks from Challenges to Strategies: A Study by Asia Risk Management Institute (ARMI) (Contd…)
33 Service Management Breaking the Trade-off between Efficiency and Service
34 Service Management Breaking the Trade-off between Efficiency and Service (Contd...)
Quiz 3
35 Why Bank Customer Experience Matters?
36 Moments of Truth in Retail Banking……Managing Customer Interactions to Enhance Loyalty, Satisfaction & Share of the Wallet
37 Food for Thought
38 Housing/Mortgage Finance in Pakistan
39 Housing/Mortgage Finance in Pakistan (Contd...)
40 Global Perspective on Managing Mortgage Profitability Retail Banks at a Crossroad in 2009 Principal Findings
41 Auto Financing/Leasing In Pakistan
42 SBP Operational Guidelines for Credit Cards Business in Pakistan
43 Building Consumer Trust in Retail Payments
44 Evolving Models of Retail Banking Distribution Capitalizing on Changes in Channel Usage
45 Fit, Focused and Ready to Fight How Banks can get in Shape for the Battle Ahead……