Università degli Studi di Urbino Carlo Bo / Portale Web di Ateneo


BANKING
TECNICA BANCARIA

A.Y. Credits
2019/2020 8
Lecturer Email Office hours for students
Alessandro Berti
Teaching in foreign languages
Course with optional materials in a foreign language English
This course is entirely taught in Italian. Study materials can be provided in the foreign language and the final exam can be taken in the foreign language.

Assigned to the Degree Course

Economics and Management (L-18)
Curriculum: AMMINISTRAZIONE D'IMPRESA E PROFESSIONE
Giorno Orario Aula
Giorno Orario Aula

Learning Objectives

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.

Program

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.

Bridging Courses

None.

Learning Achievements (Dublin Descriptors)

-Knowledge and understanding: 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 didactic work methods with which these results will be achieved will consist of: lectures, analysis and discussions of business cases, exercises, in-depth seminars.

- Making judgments: students must have the ability to assess, by applying the tools and knowledge acquired during the course, the bank's management problems, especially as regards risk management, identifying the main issues concerning the maturity transformation and integrated management of assets and liabilities, as well as assets. The didactic work methods with which these results will be achieved will consist of: lectures, analysis and discussions of company cases, exercises and in-depth seminars.

- Communication skills: Students must acquire a clear and effective communication skills, in order to be able to share the analysis and the solution of problems related to the management of banking risks. The didactic work methods with which these results will be achieved will consist of: lectures, analysis and discussion of business cases, group work, exercises and in-depth seminars.

- Ability to learn: Students must have developed good learning skills, which allow them to deepen the knowledge acquired during the course by tackling successive study paths on the topics of banking management and to acquire new knowledge, skills and abilities through professional and work experiences. The didactic work methods with which these results will be achieved will consist of: lectures, analysis and discussions of company cases, exercises and in-depth seminars.

Teaching Material

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

Didactics, Attendance, Course Books and Assessment

Didactics

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”.

Additional Information for Non-Attending Students

Didactics

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”.

« back Last update: 08/07/19

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