Wholesale and Retail Banking syllabus

Wholesale and Retail Banking

• 1 Introduction (6 LHs)

  • Nature and major functions of banking
  • Types of financial institutions and banks
  • Nepal banking industry structure and size
• 2 Wholesale Banking (8 LHs)

  • Concept, characteristics and target clients
  • Pros and cons
  • Corporate salary accounts and RTGS
  • Trade finance
  • Corporate depositors: insurers, trusts and pension funds
• 3 Retail Banking (8 LHs)

  • Concept, characteristics and target groups
  • Retail loans and deposits
  • Emerging issues and customer motivations
  • Agency services and utilities
  • Cards, fund transfer and cheque clearing
• 4 Corporate Lending vs. Consumer Lending (8 LHs)

  • Concepts, characteristics and motivations
  • Client selection, product papers and credit policies
  • Working capital, term, mortgage, project, equity, consortium and bridge loans
  • Home, auto and education loans
• 5 Credit Process for Corporate and Consumer Lending (10 LHs)

  • Five Cs appraisal, SWOT and industry analysis
  • Project financial viability and product risk
  • Approval, documentation and administration
  • Disbursement, monitoring and supervision
  • Cash- and asset-backed collateral
• 6 Marketing of Banking Product and Services (8 LHs)

  • Bank product and service marketing
  • Product strategy and pricing
  • Distribution channels
  • Promotion components and integration
  • Marketing information systems