The course aims to provide the knowledge needed to understand the nature and purposes of credit intermediaries, their role in the financial system and their linking role between savings and investments.
The course introduces tools and methods to evaluate and measure credit risk, which is banking main risk. It also introduces tools to evaluate banks balance sheet, in terms of both composition of each reclassified item and evaluation of main margins, which are indicators of performances.

At the end of the course the student has to be able to carry out a financial institution balance sheet analysis, properly pointing out the main items of the selected business model. Students, moreover, will be able to evaluate credit and raising policies, considering income, liquidity and solvency targets.

Course outline:
PART I – Institutional profiles
1. Bank history and evolution: regulatory developments both nationally and internationally;
2. Theory of banking;
3. Business, banking role and risk profiles;
4. Banking risks;
5. Credit risk and lending and assessing the return capability activities;
6. Monetary policy, central banks and interest rates;
7. Institutional and organizational structures: universal vs specialized banking;
8. Banking regulation, supervision and compliance.

PART II – Management profiles
9. Bank equilibrium conditions;
10. The banking balance sheet representation: balance sheet structure, reclassification, ratios and performance indicators;
11. Risk management: interest, market, credit, liquidity and operational risk;
12. Bank loans;
13. Bank raising;
14. Capital management and capital requirements.

None.

At the end of the course students will be able to understand bank risk policies and their connection with funding; they will be able to carry out a financial institution balance sheet analysis, properly pointing out the main items of the selected business model. Students, moreover, will be able to evaluate credit and funding policies, considering income, liquidity and solvency targets.

The teaching material prepared by the lecturer in addition to recommended textbooks (such as for instance slides, lecture notes, exercises, bibliography) and communications from the lecturer specific to the course can be found inside the Moodle platform › blended.uniurb.it

Teaching

Lectures, preparation and discussion of case studies.

Attendance

ERASMUS students are held to prepare the examination by studying the entire provided material (attending only), recommended books are required if not attending. Examination will be carried out in Italian language. Other exam preparation and passing modalities are not allowed.

Course books

Biasin, Cosma, Oriani, LA BANCA – Istituzione e impresa, Isedi 2013. Chapters 9, 13, 15 not included.
Berti, La qualità degli affidamenti, FrancoAngeli (2013 edition). Chapter 5, 8 and 9 not included. 

Assessment

A written test about both theoretical knowledge and a case study. The case study analysis is fundamental to assess the comprehension level of the main topic: measurement and management of credit risk. 

The evaluation criteria and the scale of marks are as follows:

less than 18/30: competence level insufficient. The student doesn’t reach the learning results described in “knowledge and understanding”.

18-20: competence level sufficient. In particular, the student attains the learning results described in “knowledge and understanding”.

21-23: competence level satisfactory. In particular, the student attains the learning results described in “knowledge and understanding” and in “applied knowledge and understanding”.

24-26: competence level good. In particular, the student attains the learning results described in “knowledge and understanding”, “applied knowledge and understanding” and “making judgments”.

27-29: competence level very good. In particular, the student attains the learning results described in “knowledge and understanding”, “applied knowledge and understanding”, “making judgments” and “communication skills”.

30-30 with honours: competence level excellent. The student fully attains the learning results described in “knowledge and understanding”, “applied knowledge and understanding”, “making judgments” and “learning skills”.

Disability and Specific Learning Disorders (SLD)

Students who have registered their disability certification or SLD certification with the Inclusion and Right to Study Office can request to use conceptual maps (for keywords) during exams.

To this end, it is necessary to send the maps, two weeks before the exam date, to the course instructor, who will verify their compliance with the university guidelines and may request modifications.

Teaching

Lectures, preparation and discussion of case studies.

Attendance

ERASMUS students are held to prepare the examination by studying the entire provided material (attending only), recommended books are required if not attending. Examination will be carried out in Italian language. Other exam preparation and passing modalities are not allowed.

Course books

Biasin, Cosma, Oriani, LA BANCA – Istituzione e impresa, Isedi 2013. Chapters 9, 13, 15 not included.
Berti, La qualità degli affidamenti, FrancoAngeli (2013 edition). Chapter 5, 8 and 9 not included. 

Assessment

A written test about both theoretical knowledge and a case study. The case study analysis is fundamental to assess the comprehension level of the main topic: measurement and management of credit risk. 

The evaluation criteria and the scale of marks are as follows:

less than 18/30: competence level insufficient. The student doesn’t reach the learning results described in “knowledge and understanding”.

18-20: competence level sufficient. In particular, the student attains the learning results described in “knowledge and understanding”.

21-23: competence level satisfactory. In particular, the student attains the learning results described in “knowledge and understanding” and in “applied knowledge and understanding”.

24-26: competence level good. In particular, the student attains the learning results described in “knowledge and understanding”, “applied knowledge and understanding” and “making judgments”.

27-29: competence level very good. In particular, the student attains the learning results described in “knowledge and understanding”, “applied knowledge and understanding”, “making judgments” and “communication skills”.

30-30 with honours: competence level excellent. The student fully attains the learning results described in “knowledge and understanding”, “applied knowledge and understanding”, “making judgments” and “learning skills”.

Disability and Specific Learning Disorders (SLD)

Students who have registered their disability certification or SLD certification with the Inclusion and Right to Study Office can request to use conceptual maps (for keywords) during exams.

To this end, it is necessary to send the maps, two weeks before the exam date, to the course instructor, who will verify their compliance with the university guidelines and may request modifications.