COMMERCIAL BANKS’ MANAGEMENT AND CREDIT ANALYSIS - 1

The course is a fundamental teaching component in the Economics and Finance program. The first module aims to provide essential knowledge for understanding the managerial and operational aspects in various areas of banking. The course examines the operational characteristics, management policies, and corporate governance of banking institutions, while also addressing the main risks that distinguish this sector.

Additionally, the course covers the basic concepts of bank accounting and the measurement of financial performance. Each topic is contextualized and analyzed in light of the current regulatory framework, considering the new regulatory requirements on sustainability and the aspects related to the use of new technologies in the banking and financial sector.
The content is presented through an integrated analysis of both theory and business practices, ensuring a comprehensive and applicable view of the operational reality.

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.

to be defined

The assessment of learning is based on a written exam, structured in two parts: the first part consists of two open-ended questions, and the second part is composed of five multiple-choice questions.

The questions, covering the syllabus of both modules of the course, aim to verify the knowledge of the basic concepts presented during the course and the critical understanding of these concepts. Each open-ended question is graded from 0 to 10 points, while each multiple-choice question is graded 2 points if correct, 0 otherwise. The grade is based on the evaluation of the written exam and the student's possible participation in the optional educational activities proposed during the course (case studies). In particular, an additional score will be awarded to students who participate in all the educational activities proposed during the course. In this case, an additional score, up to a maximum of +2 points, will be added to the grade obtained through the written exam.

Regarding the grading scale (how the grades will be assigned):
A. Scores in the range of 18-22 will be assigned in the presence of:

Sufficient knowledge and applied understanding in reference to the course syllabus;
Limited ability to apply knowledge and formulate independent judgments;
Sufficient communication skills, especially in relation to the use of specific language pertinent to the banking sector;
B. Scores in the range of 23-26 will be assigned in the presence of:
Fair knowledge and applied understanding in reference to the course syllabus;
Fair ability to apply knowledge and formulate independent judgments;
Fair communication skills, especially in relation to the use of specific language pertinent to the banking sector;
C. Scores in the range of 27-30 will be assigned in the presence of:
Good or excellent knowledge and applied understanding in reference to the course syllabus;
Good or excellent ability to apply knowledge and formulate independent judgments;
Fully appropriate communication skills, especially in relation to the use of specific language pertinent to the banking sector;
D. Honors will be awarded in the presence of excellent knowledge and applied understanding of the syllabus, judgment skills, and communication skills.



The exam has a total duration of 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.

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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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This subject deals with topics related to the macro-area "Climate change and energy" and contributes to the achievement of one or more goals of U. N. Agenda for Sustainable Development