Objectives
The main objective of the course is to familiarize students with the structure of the financial system, and within it, the operation of commercial banks, their main products and services. Important elements of this are the understanding of the lending process (customer rating and credit assessment), risk management and payment transactions. An important element of the course is to understand and simulate the economic operation of banks.
Academic results
Knowledge
- 1. the structure of the financial system
- 2. the role of banking transactions in the economy
- 3. the characteristics and actors of the banking market and the relationships between them
- 4. the most important banking market (retail and corporate) relationships and theories, calculations
- 5. the most important banking transactions
Skills
- 1. to analyze and evaluate the most important banking transactions and banking operations from an economic perspective in practice
- 2. to plan, organize and carry out independent learning,
- 3. to understand and use the typical literature and sources of the topic,
Attitude
- 1. is open to acquiring banking knowledge
- 2. cooperates with the instructor and fellow students in expanding their knowledge,
- 3. is open to critical thinking
Independence and responsibility
- 1. is open to well-founded critical comments,
- 2. is able to solve practical tasks independently.
Teaching methodology
Lectures, written and oral communication, use of IT tools and techniques.
Materials supporting learning
- Előadások, bankszimulációs eszközök / Lectures, bank simulation tools
General Rules
Practical assignments and a written test determine the grade 50%-50%.
Performance assessment methods
Practical assignment 50 points Mid-tern written test at the end of the semester 50 points
Percentage of performance assessments, conducted during the study period, within the rating
- Practical assignment: 50
- Mid-tern written test: 50
Percentage of exam elements within the rating
Conditions for obtaining a signature, validity of the signature
According to the TVSZ
Issuing grades
| % | |
|---|---|
| Excellent | 100-100 |
| Very good | 87 |
| Good | 75-86 |
| Satisfactory | 63-74 |
| Pass | 50-63 |
| Fail | 49 |
Retake and late completion
Re-written opportunity at the end of the semester
Coursework required for the completion of the subject
| Nature of work | Number of sessions per term |
|---|---|
| Részvétel a kontakt tanórákon / Participation in contact classes | 28 |
| Practical exercises | 28 |
| Exam preparation | 34 |
| total | 90 |
Approval and validity of subject requirements
Consulted with the Faculty Student Representative Committee, approved by the Vice Dean for Education, valid from: 07.07.2024.
Topics covered during the term
To achieve the learning outcomes stated in point 2.2, the subject consists of the following thematic blocks.
| Lecture topics | |
|---|---|
| 1. | Traditional vs market-based banking |
| 2. | How banks work: micro- and macroprudential regulation |
| 3. | Banking operations: basic knowledge, basic calculations, business ethics |
| 4. | Corporate lending process: debtor rating, creditworthiness, risks |
| 5. | Retail lending |
| 6. | Analysis of banks: methods, analytical tools |
Additional lecturers
| Name | Position | Contact details |
|---|---|---|
| Dr. Kovács Tamás | adjuntus / senior lecturer | kovacs.tamas@gtk.bme.hu |