Banking: how the sector works
how a bank works and makes money: deposits, lending, net interest margin, the balance sheet, regulation (Basel, deposit insurance), and the retail vs corporate vs investment banking split.
This block builds the foundational fluency every banking professional needs before specializing. You will trace how banks originate, fund, and distribute financial products across retail, commercial, and investment banking lines, understanding where value is created and captured. You will map the competitive landscape, from universal banks and neobanks to fintech disruptors and payment networks, and see how power and margin shift across the chain. You will learn the regulatory architecture, Basel III, Dodd-Frank, and their practical compliance demands. Finally, you will master the numbers: market sizes, capital ratios, benchmarks, and the quick calculations bankers run daily. Together these modules give you the vocabulary, structure, and judgment to operate credibly in banking conversations.
Ce que vous allez maîtriser
- Explain the end-to-end banking value chain from deposit-taking and underwriting to distribution and risk management
- Identify major players, their competitive positioning, and how margin is distributed between incumbents, challengers, and intermediaries
- Interpret core banking regulations and explain what compliance obligations they impose on daily operations
- Perform standard sector calculations such as net interest margin, capital adequacy, and cost-to-income ratio, and run basic due diligence checks