Course detail

Bank Products And Services

FP-KbpsPAcad. year: 2018/2019

The course concentrates on the principles and technologies of products and services offered to bank clients in retail banking. The viewpoint of a client as the product user is emphasized. If needed, legislation- and regulation-related conditions are presented defining the parameters of the products and services offered by banks. After completing the course, the students are oriented towards bank offers and their use. They are also prepared for understanding the follow-up course, „Banking II“ – banking business“
The course is also suitable for students of the management informatics field.

Learning outcomes of the course unit

To get an understanding of the way the banking sector works, the banking products can be used in practice, the payment instruments and banking services are used, and how risks can be eliminated. Honouring the “time value of money“ principle when choosing the right banking product, writing a loan request for a particular company.

Prerequisites

The course follows on the basics of financial markets, theory of money, expansive and restrictive monetary policy in an open economy, aspects of the EU currency policy, basic functions of commercial banks and the essentials of their business activities.

Co-requisites

Not applicable.

Recommended optional programme components

Not applicable.

Recommended or required reading

ZEMAN, V., MELUZÍN, T., Bankovnictví I, 2., rozšířené a doplněné vydání vydání, Brno, CERM 2008, ISBN 978-80-214-3580-3. (CS)
ŠENKÝŘOVÁ, B. a kol.: Bankovnictví I, 2. vydání, Praha, Grada Publishing 1999, ISBN 80-7169-859-8 (CS)
KALINOVÁ,M., KOTOUČOVÁ, J., KŘÍŽ, R., SPIRIT, M., ŠVARC, Z.: Právní základy finančních služeb, 1. vydání, Praha, Bankovní institut, 2002, ISBN 80-7265- 051-3 (CS)
ZEMAN, V., MELUZÍN, T., Bankovnictví II, 2., rozšířené a doplněné vydání vydání, Brno, CERM 2008, ISBN 978-80-214-3581-0 (vybrané kapitoly). (CS)
MÁČE, M., Platební styk – klasický a elektronický, 1. vydání, Praha, Grada Publishing, 2006, ISBN 80-247-1725-5 (CS)
MELUZÍN, T.: Finanční trhy-cvičení. 1. vyd. Brno: Akademické nakladatelství CERM, 2005. 46 s. ISBN 80-214-3048-6. (CS)
JUŘÍK, P.: Encyklopedie platebních karet, 1. vydání, Praha, Grada Publishing 2003, ISBN 80-247-0685-7 (CS)
SCHLOSSBERGER, O., SOLDÁNOVÁ, M.: Platební styk, 3. přepracované a doplněné vydání, Praha, Bankovní institut 2005, ISBN 80-7265-072-6 (CS)
POLIDAR, V.: Management bank a bankovních obchodů, 2. vydání, Praha, Ekopress 1999, ISBN 80-86119-11-4 (CS)
RADOVÁ, J., DVOŘÁK, P.: Finanční matematika pro každého, 4. vydání, Praha, Grada Publishing 2003, ISBN 80-247-0473-0 (CS)

Planned learning activities and teaching methods

Lectures consist of an explanation of basic principles, methodology of the discipline, problems and their solutions.

Exercises promote the practical mastery of subject presented in lectures or assigned for individual study with the active participation of students.

Assesment methods and criteria linked to learning outcomes

The credit will be granted if a business plan is submitted – loan request. The exam takes the form of a orientation knowledge test and oral examination, which consists of answered three assigned questions. The questions are chosen from the areas of the banking products, transactions and economics.
The test is classified according to ECTS.
Result orientation knowledge test is only a complementary view of the knowledge level of student.

Language of instruction

Czech

Work placements

Not applicable.

Course curriculum

1. The structure of the Czech Republic banking system.
2. Banking products.
3. Deposit products of commercial banks.
4. Long-term savings accounts. (alternative saving)
5. Transactions related to bills of exchange and cheques.
6. Loan products of commercial banks.
7. Mortgage and building savings account loans.
8. Basic forms of documentary payments.
9. Payment transaction as a banking product.
10. Domestic and foreign bank transfers.
11. Alternative distribution channels.
12. Foreign exchange transaction products.
13. Banking financial credit trading.

Aims

To acquaint the students with the basic principles of the banking sector, to explain the rules for a bank’s active, passive, and neutral client transactions, payment principles, payment instrument use, and provision of banking services. To present the general principles of lending to individuals and corporations and eliminating the risks of such transactions. To provide the students with basic understanding of a banking product portfolio preparing them for the choice of products suitable for dealing with different financial situations.
Students should be capable of analyzing the advantages and disadvantages of client services and understanding the parameters and conditions of their provision.

Specification of controlled education, way of implementation and compensation for absences

This is entirely at the teacher’s discretion. Active participation in workshops, the knowledge acquired is being tested on a continual basis.

Classification of course in study plans

  • Programme BAK-EP Bachelor's, 3. year of study, summer semester, 5 credits, compulsory

  • Programme BAK Bachelor's

    branch BAK-EP , 3. year of study, summer semester, 5 credits, compulsory

  • Programme BAK-MIn Bachelor's

    branch BAK-MIn , 3. year of study, summer semester, 5 credits, compulsory-optional

Type of course unit

 

Lecture

20 hours, optionally

Teacher / Lecturer

Exercise

10 hours, compulsory

Teacher / Lecturer