Audit Marketing Axe Finance

[Virtual Presenter] Good morning everyone! Welcome to Day 2 of our training on Banking Concepts. Today we will be discussing the dynamics of Bank exposure and managing it over time including Credit Risk and Probability of Default. We will be going over the different ways Banks manage their exposure to Loan Products and other long-term investments. Let's get started!.

[Audio] We will delve into the various kinds of banks and financial establishments including commercial banks Islamic banks private banks multilateral development banks investment banks and other such entities. Their services involve deposits lending asset and fund management treasury brokerage and advisory private and public sector financing strategic government advisory merger and acquisition and other related offerings..

[Audio] Exploring the variety of banking services and products available to clients this includes collection of deposits management of current accounts transfers and payments offering loans and financing investment and long term lending project financing and trade financing. Moreover other services such as asset and fund management brokerage securities custody advisory services M&A intermediation and correspondent banking will also be looked into..

[Audio] We'll be discussing the services banks offer regarding deposits and lending. Deposits from individuals professionals small medium and large enterprises can be handled by banks. Loans are also provided to these same categories of customers. Banks and non-bank financial institutions also provide loans to public sector companies governments brokers investors and funds. Additionally banks offer a range of other services such as those for individuals professionals and enterprises..

[Audio] We'll discuss the different types of financial institutions. Leasing companies provide leases and loans for major purchases. Micro-credit institutions offer small loans to individuals. Consumer finance companies offer unsecured loans and credit. S-M-E--- financing institutions provide financial services to small to mid-size businesses. Credit card companies such as American Express offer lines of credit. Additionally crowdfunding and Fintech provide alternative ways to access financing..

How is a Bank Organized (sample)?. Image associée.

[Audio] Focusing on the differences between trading book and banking book exposures trading book involves taking a position with the aim of making a short-term profit with focus on the daily market price of the product. Whereas banking book consists of exposures generated by customer activity with the intention to hold the exposures till maturity benefitting from its characteristics such as interest payments for loans and dividends for equity holdings. The bank has its focus on the long-term solvency and variation of interest and currency exchange rates..

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