
Bank Management
Code: 102091Credits: 6
| Degree programme | Type | Course |
|---|---|---|
| Accounting and Finances | OP | 4 |
Contact lecturer
- Name :
- Jordi Celma Sanz
- Email :
- jordi.celma@uab.cat
Teaching staff (external to UAB)
- Dídac Leiva
Group languages
You can consult this information at the end of the document.
Prerequisites
General training provided by the first three courses of the career. In particular, it is highly recommended to have completed Finance I, Finance II and Valuation Methods.
Objectives
This subject introduces the role of financial intermediares, mainly banks and insurance corporations, in the financial system. Banking receives the central attention.
Its main goals are:
1) Teach the central features of banks and insurance corporation: Asset-liability management, solvency, risk, including both the market and the accounting points of view.
2) Introduce the sources of risk and its management.
3) Introduce the strategy and the organization of banks and insurance corporations.
Learning outcomes
- KM17 (Determine the different agents that intervene in the legal-tax relationship, their reciprocal formal and material obligations, and their rights.) Determine the different agents that intervene in the legal-tax relationship, their reciprocal formal and material obligations, and their rights.
- SM15 (Apply the specific commercial strategies of intangible products and their specific accounts in the management of banking and insurance companies, interpreting their evolution.) Apply the specific commercial strategies of intangible products and their specific accounts in the management of banking and insurance companies, interpreting their evolution.
- SM16 (Analyse the solvency rules and guarantees underpinning the activity of the different financial intermediaries.) Analyse the solvency rules and guarantees underpinning the activity of the different financial intermediaries.
- SM18 (Describe the asset and liability products of financial institutions, the risks inherent in them and how they are marketed.) Describe the asset and liability products of financial institutions, the risks inherent in them and how they are marketed.
- SM20 (Neutralise the main risks assumed by financial intermediaries and how to manage them actively and/or passively.) Neutralise the main risks assumed by financial intermediaries and how to manage them actively and/or passively.
Contents
1. The banking company
1.1 Functions of the bank: Financial intermediation.
1.2 Main banking products.
1.3 Internal Organization of a Financial Entity-
1.4 Commercial policy
1.5 Type of banks: Commercial banking vs. investment banking.
1.6 The history evolution of banking in Spain.
2. Banking regulation and supervision.
2.1 Justification of the need for banking regulation.
2.2 The role of central banks.
2.3 Banking regulation and supervision in Europe.
2.4 The Basel agreements.
3. The financial and accounting statements of the bank.
3.1 The bank balance.
3.2 Principles of valuation of bank assets.
3.3 The accounts of results of the banks.
3.4 The analysis of banking ratios.
4. Strategy and organization of banking
4.1 The organization and governance of banks.
4.2 The identification of opportunities and threats.
4.3 Growth through mergers.
4.4 The crisis of 2007: Lessons for the banking strategy.
5. Banking risk management.
5.1 Main types of banking risk.
5.2 Active / passive management.
5.3 The value at risk.
5.4 Stress tests.
Learning activities and methodology
| Title | Hours | ECTS | Learning outcomes |
|---|---|---|---|
| Individual and group practices | 6.5 | 0.26 | KM17 |
| Resolutions of assumptions | 15.5 | 0.62 | KM17, SM15, SM16 |
| study | 43 | 1.72 | KM17, SM15, SM16, SM18, SM20 |
| Master classes | 35 | 1.4 | SM15, SM16 |
| Search for information | 10 | 0.4 | KM17, SM15, SM16 |
| tutorship | 22 | 0.88 | KM17, SM15, SM16 |
| Resolution of exercises in the classroom and analysis of cases | 14.5 | 0.58 | SM15, SM16 |
Half of the credits will be theory and the other half practical. The theoretical part will be exposed through lectures. The teachers will present the topics encouraging the participation of the students using questions and comments. The exposition of the topics will not be limited to its direct content but will also include the analysis of the applied reasoning methods. Some topics, due to their relevance, will be developed in two parts: the first will deal with the content and the second with the methodology.
The practical part will consist of problem solving, information analysis of financial markets and companies, and reading and analysis of articles. Students will actively participate in solving exercises and analyzing news and articles. Students will be encouraged to become familiar with the information on financial markets available on the network, in particular the institutional stock exchange pages, derivatives markets, fixed income markets and companies. In the resolution of exercise in class, software will be used and students will be encouraged to apply it.
Assessment
Continuous assessment activities
| Title | Weight | Hours | ECTS | Learning outcomes |
|---|---|---|---|---|
| Test 2 | 25% | 0 | 0 | KM17, SM15, SM16, SM20 |
| Test 1 | 25% | 1.5 | 0.06 | KM17, SM15, SM16, SM18, SM20 |
| Final exam | 50% | 2 | 0.08 | KM17, SM15 |
IA ís always forbidden
The evaluation of Banking Management consists of 3 components:
a) Test 1, 25% of the grade.
b) Final exam, 50% of the grade.
c) Test 2, 25% of the grade
Schedule of evaluation activities
The dates of the different evaluation tests (partial exams, exercises in the classroom, delivery of works, ...) will be announced well in advance during the semester.
The date of the final exam of the subject is scheduled in the exam calendar of the Faculty.
\"The programming of the evaluation tests can not be modified, unless there is an exceptional and duly justified reason why an evaluation act can not be carried out, in this case, the persons responsible for the qualifications, after consulting the teaching staff and to the affected student body, they will propose a new program within the corresponding academic period. \" Section 1 of Article 115. Calendar of evaluation activities (Academic Regulations UAB)
The students of the Faculty of Economics and Business who in accordance with the previous paragraph need to change an evaluation date must present the request by filling in the document Request reprogramming test https://eformularis.uab.cat/group/deganat_feie/nou-reprogramacio-de-proves
Procedure for review of qualifications
Coinciding with the final exam willbe announced the day and the medium in which the final grades will be published. In the sameway, the procedure, place, date and time of the review of exams in accordance with the regulations of the University will be informed.
Recovery Process
\"To participate in the recovery process the students must have been previously evaluatedin a set of activities that represent a minimum of two thirds of the total grade of the subject or module.\" Section 3 of Article 112 ter. The recovery (UAB Academic Regulations). The students must have obtained an average grade of the subject between 3.5 and 4.9.
The date of this test will be scheduled in the exam calendar of the Faculty. The student who presents himself and passes it will pass the subject with a grade of 5. Otherwise, he will keep the same grade.
Irregularities in evaluation acts
Without prejudice to other disciplinary measures deemed appropriate, and in accordance with current academic regulations, \"in the event that the student makes any irregularity that could lead to a significant variation in the grade of an evaluation act, it will be graded with a 0 This evaluation act, regardless of the disciplinary process that can be instructed In case of various irregularities occur in the evaluation of the same subject, the final grade of this subject will be 0 \". Section 10 of Article 116. Results of the evaluation. (UAB Academic Regulations).
The completion of assessment activities is subject to the provisions set out in this course guide and in the "Policy of the School of Economics and Business on the Detection of Irregularities during Assessment Activities", which regulates the conditions under which assessment tasks are conducted and the procedures applicable in cases where indications of irregularities are detected. Students are encouraged to consult the policy.
\"This subject/module does not offer the option for comprehensive evaluation.\"
The completion of assessment activities is subject to the provisions set out in this course guide and in the "Policy of the School of Economics and Business on the Detection of Irregularities during Assessment Activities", which regulates the conditions under which assessment tasks are conducted and the procedures applicable in cases where indications of irregularities are detected. Students are encouraged to consult the policy.
Bibliography
Basic bibliography
- Altina de Fatima - Sebastian Gonzalez , *ECONOMIA Y GESTION BANCARIA, Editorial Piramide. 2014
- Ana Blanco Mendialdua. *GESTIÓN DE ENTIDADES FINANCIERA,Editoria ESIC – 2015
- GISBERT MIR, Alejandro, et al. La gestión macroprudencial bancaria: una propuesta de tres modelos de previsión de riesgos. 2017. https://repositorioinstitucional.ceu.es/jspui/bitstream/10637/11602/6/Gestion_Gisbert_UAOTesis_2017.pdf
- LÓPEZ PASCUAL, J y SEBASTIÁN GONZÁLEZ, A.: Gestión bancaria. Factores clave en un entorno competitivo, Madrid: Mc Graw-Hill, 2008.
- María Teresa Tascón Fernandez, *GESTIÓN Y OPERATIVA BANCARIA. Editorial Piramide
- MANZANO, Daniel; VALERO, Francisco J.; ONTIVEROS, Emilio. Guía del sistema financiero español. Confederacion española de cajas de ahorros; Analistas financieros internacionales, 2000.
- PÉREZ CARBALLO, A., PÉREZ CARBALLO, J. y VELA, E.: Principios de gestión financiera de la empresa, Madrid: Alianza, 1997.
- En la red
http://www.economia48.com/spa/d/banca-universal/banca-universal.htm
http://usuarios.lycos.es/Masterdeluniverso/elsistemafinanciero.htm
http://www.elmundo.es/especiales/2008/10/economia/crisis2008/lascausas/index.html
www.navactiva.com/web/es/descargas/doc/acrea/fuentes.doc
Further reading
Berger, A.N., P.Molineux, O.S. Wilson (eds.): The Oxford Handbook of Banking. Oxford University Press, 2012.
Degryse, Hans. Kim, Moshe & Ongena, Steven. Oxford University Press. Microeconometrics of banking
Freixas, Xavier y Rochet, Jean-Charles. MIT Press. Microeconomics of banking
Hull, J. C.: Risk Management and Financial Institutions (3rd edition). John Wiley and Sons, 2012.
Pérez Ramírez, Jorge y Calvo González-Vallinas. Ed.Pirámide. Instrumentos financieros.
Ramonet, Ignacio. Le Monde Diplomatique. El Atlas Financiero.
Revello de Toro Cabello, Jose Maria. Delta Publicaciones. Manual de Corporate Finance y Banca de Inversión.
Software
Course groups and languages
The information provided is provisional until November 30. After this date, you will be able to consult the language of each group through this link. To access the information, you will need to enter the course CODE
| Type of teaching | Group | Language | Semester | Shift |
|---|---|---|---|---|
| (TE) Theory | 10 | Catalan | second semester | morning-mixed |
| (PAUL) Classroom practices | 101 | Catalan | second semester | morning-mixed |