BANKING - BMEGT35MN05

The main objective of the course is to introduce the students into the active, passive and indifferent banking transactions. An important element of this is the customer rating and credit assessment (identification and management of risks), the appropriate collaterals for lending, leasing and factoring. The account and deposit operations focus primarily on the retail segment. The course ends with consumer protection, litigation, guarantees and ethical banking issues. In relation to financial products that are common in everyday life, conscious consumer behaviour and a responsible decision are strengthened.

1. 1. the conceptual system, the economic role of banking transactions and operations
2. 2. the characteristics and actors of the banking market and relationships between them
3. 3. the most important banking market (residential and corporate) relationships and theories and calculations
4. 4. the most important regulatory elements

1. 1. to analyse and evaluate the key banking transactions in practice from an economic point of view
2. 2. plan and organize independent learning,
3. 3. comprehend and use the professional literature of the topic,
4. 4. grasp the professional language in writing and speech,
5. 5. recognize and solve practical professional problems.

1. 1. are open to learn the banking transactions,
2. 2. collaborate with their instructors and fellow students during the learning process,
3. 3. gain knowledge and information,
4. 4. are open to critical thinking.

1. 1. are open to accept reliable critical remarks,
2. 2. are able to solve practical professional problems independently.

Lectures and written communication, use of ICT tools and techniques.

• Az előadások prezentációinak anyaga, ami a félév során folyamatosan fog feltöltésre kerülni. / Slideshows of the lectures which will be uploaded continously during the semester.
• Erdős Mihály - Mérő Katalin: Pénzügyi közvetítő intézmények - Bankok és intézményi befektetők. Akadémiai Kiadó, 2010.
• Stephen Cecchetti - Kermit Schoenholtz: Money, Banking and Financial Markets. McGraw-Hill, 2017.
• Peter Rose - Sylvia Hudgins: Bank Management & Financial Services. McGraw-Hill, 2013.
• Kovács Tamás - Szóka Károly - Varga József (szerk.): Pénzügyi intézményrendszer Magyarországon 2019. Soproni Egyetemi Kiadó, 2019.
• Gál Erzsébet: Hitelkérelem, banki ismeretek. 2013.

Assessment of the learning outcomes described under 2.2. is based on one written mid-term test and bank simulation practical exercise; but the result can be imporved with extra midterm scores.

In order to obtain a ‘Signed’ mark, students are required to fulfil the attendance, participation requirements (the maximum number of absences allowed is 30% of the total number of lessons), the completion of attendance and written, homework issued during the year. Mid-term exam at the end of the semester. Bank simulation exercises during the year at a pace set by the instructor. The result can be imporved with extra 20% by midterm scores

• Mid-term exam: 70
• Bank simulation case study:: 30

The rules specific to the exam period apply.

Consulted with the Faculty Student Representative Committee, approved by the Vice Dean for Education, valid from: 07.07.2024.

Subject includes the topics detailed in the course syllabus to ensure learning outcomes listed under 2.2. can be achieved. Timing of the topics may be affected by calendar or other circumstances in each semester. 1 The subject of banking: money. 2 The definition and functions of banks, characteristics and participants of the banking market. The role and place of the banking system and organization in macroeconomic processes. 3 Risks of the banking system and their management 4 The operation of banks: micro- and macroprudential supervision 5 Financial services and investment services. Passive banking operations (acquisition of funds and creation of liabilities): opening accounts, collecting deposits, issuing securities. Interbank borrowing, reference interest rates, central bank refinancing. 6 Active banking operations (placement of funds and creation of receivables): lending, financial leasing. Factoring, forfaiting. Lending process: debtor rating, creditworthiness, risks 7 Collateral and security, their legal enforceability. 8 Neutral banking operations, banking commitments and services. 9 Main areas of international banking activity. The role of banks in foreign exchange markets. Characteristics and operation of interbank payment systems. 10 Consumer protection, Financial Arbitration Board, KHR, deposit protection, ethical operation