COMMERCIAL BANKS’ MANAGEMENT AND CREDIT ANALYSIS - 1

The course is a core one for the degree program in Economics and Finance. The aim of the first module of the course is to provide the knowledge for understanding the managerial aspects in the different banking business areas. The course analyses the operational characteristics, the managerial policies and the corporate governance of banks. Furthermore, the course addresses the risks characterizing the banking activity. Each topic will be inserted and analysed according to the regulatory framework that applies. At the same time, the course provides also the basics of financial statement analysis and performance measurements for banks.
The course offers its contents through the analysis both of the theory and of the business practices.

Knowledge and understanding:
1) knowledge and understanding of the business areas of banking activity;
2) knowledge and understanding of the regulation that applies to the different areas of banking activity;
3) knowledge and understanding of the managerial dynamics of the banking activity;
4) knowledge and understanding of the principal characteristics of the corporate governance of banks;
5) knowledge and understanding of the risks characterising the activity of banks;
6) knowledge and understanding of the basics of financial statement analysis and performance measurements for banks.

2. Ability to apply knowledge and understanding:
1) ability to identify the areas of activity and the models of service adopted by the different banking operators;
2) ability to analyse the different market policies of banks, also according to the regulatory constraints they are submitted;
3) ability to recognize the role of the organs and functions of the governance of banks, also according to the recent directive;
4) ability to detect the main risks to which different banking institutions are exposed;
5) ability to implement the financial statement analysis and performance measurements for banks.

3. Making Judgements:
1) ability to interpret critically the managerial decisions of the banks;
2) ability to compare and to analyse the decisions of different operators regarding the model of service adoption;
3) ability to evaluate the capital adequacy of banks according to the risks they are exposed to;
4) ability to interpret the information obtained by the financial statement analysis and the performance indicators.

No requirements required. Knowledge of basics of Financial Statement Analysis is suggested.

The course deals with the following contents:

- The bank activity: definition of bank and its main activities (bank funding, investments and services);
- The SBUs of banks: retail banking, private banking, corporate banking;
- The Banking Regulation: supervision and regulation of banks (capital adequacy and capital ratios, Basel agreements, risk containment, activity and affiliation restrictions);
- Bank governance and internal controls: risk management, internal audit and compliance;
- The balance sheet of banks: financial statements and performance indicators.
- Digital transformation & Fintech.
- The sustainability in the banking industry and its impacts on the managerial aspects.

Gestione della Banca e Analisi del Merito di Credito (I modulo), McGraw-Hill (2022)

CUSTOM PUBLISHING
Universita' Ca' Foscari Venezia
Dipartimento di Management

The exam will be written and structured on two parts: a first one composed by two open questions and a second one based on five multiple-choice questions. Questions, referring to both the course modules, will ascertain the knowledge of the basic concepts presented in the course and the critical understanding of such concepts. Each open question will be evaluated from 0 to 10 while each multiple choice will receive a +2 score if the answer is correct, 0 otherwise.
The grade is based on both the written exam and the participation to all the learning activities offered during the course (case studies).

The 12 CFU exam lasts 60 minutes.

The course will be based on classroom teaching. The material used during classes will be made available to students through the Moodle platform (www.unive.it/moodle).
During classroom hours there will be activities of case studies analysis and discussion, used to apply theoretical concepts to empirical cases.
Additional materials and readings will be available in the Moodle space of the course.
Some professionals will be invited to some lectures.

Italian

Accessibility, Disability and Inclusion
Accommodation and support services for students with disabilities and students with specific learning impairments

Ca’ Foscari abides by Italian Law (Law 17/1999; Law 170/2010) regarding support services and accommodation available to students with disabilities. This includes students with mobility, visual, hearing and other disabilities (Law 17/1999), and specific learning impairments (Law 170/2010). If you have a disability or impairment that requires accommodations (i.e., alternate testing, readers, note takers or interpreters) please contact the Disability and Accessibility Offices in Student Services: disabilita@unive.it.


During Covid 19 emergency periods the delivery methods of both teaching and exams may be changed to guarantee students.

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