Course Management

• Practical ===➔ Excel applications ==➔ How to use the results?

• Materials ==➔ Customized ===➔ Topics
• Bank Management ==➔ Classic
• Risk Management in Banking ==➔ Math & Stat
• Bank Financial Institutions ==➔ link between banking &
Economy
• Google Drive ==➔ Materials
• PPP ==➔ Reading Materials
 Course Management
• Grade Distribution 30% mid, 40% final, 20% part. 10% attendance
• Individual , group (2-3 members).
• Submission date ==➔ TBA
 What is a Bank?
• Structure of a Balance Sheet
• Corporate: BS (Assets & Liabilities & Owners’ Equity)
• Corporate: BS (Assets: Fixed assets > Current Assets)
• Bank: BS (Assets: Investment in Financial Securities, Loans, >
Fixed assets) ==➔ Earning Assets, Non-Earning Assets
• Bank: BS (Liabilities: Deposits, interbank loans, loans from
Central Bank)
• Bank: BS (Owners’ Equity: Paid-in Capital, Reserves, Retained
Earnings)
 What is a Bank?
• Structure of Income Statement
• Interest Income ===➔ Sales revenue
• Interest expense ==➔ COGS
• Expenses ===➔ Wages & Salaries (40% - 60% of total expenses)
130, 000 employees
• Depreciation
• Taxes
• Net Profit ==➔ Listed in Stock Market (Shareholders) ==➔
Dividends ===➔ sell at less price ===➔ 51% stocks (Takeover)
 What is a Bank?
• Bank Financial Analysis
1- Profitability Ratios
2- Risk Ratios (Credit, Liquidity, Interest Rate, Operational,
Capital)
• Bank Financial Performance ==➔ Bank Rating (FSR) Financial
Strength Rating
• Bank rated B, ==➔ B+