Retail & Corporate Banking Course

Module 1 - How to Understand Banking Operations and the Functionality of the Bank Account

1.1 What is the bank account, bank account types and how we can use them

1.2 How it works and what operations we can make when using the checking account

1.3 How we can easily understand the debit and credit balance of the checking account

1.4 What is the statement of account and for what it is useful

1.5 What is direct debit and how we can use it

1.6 What documents you need to open a checking account

1.7 The interests and fees for a checking account

1.8 How to close a checking account

1.9 What are the advantages of using a checking account

Module 2 - What We Need to Know About Saving and Bank Deposits

2.1 What is a bank deposit and how to open it

2.2 What is the difference between a national and a foreign currency deposit

2.3 Term deposit, renewal and interest capitalization

2.4 Term deposit with fixed and variable interest rate

2.5 A concrete example to understand better how to calculate the interest

2.6 When we can use the certificate of deposit

2.7 What involves the deposit liquidation before maturity

2.8 What are the hybrid saving products

2.9 What we need to know when we want to save money by buying gold

Module 3 - The Wire Transfer

3.1 What is the wire transfer and what it is useful for

3.2 What are the types of wire transfers

3.3 What are the steps of a wire transfer

3.4 What is the practical circuit of the interbank transfer

3.5 What information should contain the wire transfer form

3.6 How to make an international wire transfer using SWIFT and how to pay the fees

3.7 When we can use the conditional wire transfer

3.8 What is and when we can use the Standing Order

Module 4 - The 10 Most Important Things We Should Know About Checks

4.1 What is a check and who is involved in its clearing

4.2 How we use a check

4.3 What are the most common types of checks

4.4 How to fill in correctly a check

4.5 How to cash a check and what is the cashing circuit

4.6 What we can do if we lost a check or it was stolen or destroyed

4.7 The reasons why a check can be declined

4.8 What to do if we are the payee of a declined check

4.9 What is check endorsement and how to do it

4.10 What is check guaranty and what it is useful for

Module 5 - The Payment Methods Used in Foreign Trade Transactions

5.1 What we should be aware of when we choose the foreign payment method

5.2 Prepayment. How to do it and what are the risks for the importer

5.3 The open account. What it means and what are the risks for the exporter

5.4 What is the documentary collection and who are those involved in its development

5.5 The reasons we should choose the documentary collection for foreign payments

5.6 What are the documents presented by the exporter to their bank for the documentary collection

5.7 How the documentary collection takes place

5.8 What is the letter of credit and who are those involved in carrying it out

5.9 What are the reasons why we should use the letter of credit

5.10 What are the types of letters of credit and which one is right for us

5.11 The documents presented by the exporter to their bank for the letter of credit

5.12 How the operations for the letter of credit take place

5.13 What are the advantages and disadvantages of the letter of credit for both importer and exporter

5.14 What are the differences between the documentary collection (DC) and the letter of credit (LC)

Module 6 - How to Use Better the Cards, Internet Banking and Mobile Banking

6.1 What is the use of a bank card and how it works

6.2 What it must be inscribed on a bank card

6.3 What are the types of bank cards

6.4 What is very important to know when we get a bank card

6.5 How to choose the best bank card considering its costs

6.6 What we need to know when we use the bank card in everyday life

6.7 What we should do if we cannot withdraw the money from the ATM

6.8 What we should do if we lost our card or it was stolen

6.9 How to use the internet banking service

6.10 Why we should use Mobile banking

Module 7 - The Most Important Things to Know About the Loans for Individual Customers

7.1 What implies taking a loan from a bank

7.2 What we can do with the money from the loan

7.3 What are the conditions we need to fulfill in order to get a loan

7.4 How the bank sets the maximum amount we can receive as a loan

7.5 What are the documents requested by the bank for preparing a loan application

7.6 What contains the loan application form

7.7 What are the supporting documents that prove the loan purpose

7.8 What is the down payment and for what kind of loans it can be requested

7.9 What solutions we have when our revenues are not enough to get the loan

7.10 What is the guarantor and how they can help us

7.11 What are the guarantees the bank could ask for

Module 8 - What Type of Loan Suits Us Best and How to Lower Our Costs

8.1 What are the main costs of a loan that you have to pay

8.2 How to understand better what is an installment made of

8.3 How to calculate the interest

8.4 What type of amortization schedule is the best and we should choose

8.5 What is the grace period and when we can get it

8.6 How we can get a bigger loan

8.7 What currency is more advantageous when we take a loan

8.8 What you need to know about the loan for personal needs

8.9 How to use credit cards in order to pay a lower interest

8.10 How a car loan can be given easier

8.11 What we need to know about the mortgage loan

Module 9 - What You Need to Know About Business Lending

9.1 How and in what situations we can use the bank loan to support our business

9.2 What underlies a bank\'s decision to grant us a loan or not

9.3 What are the documents required by the bank for the loan application

9.4 What is the start-up loan and for what it is useful

9.5 How we can get a loan for financing our current activity

9.6 In what situations we can get an investment loan

9.7 When we need a letter of guarantee

Module 10 - The Lease

10.1 What lease means and what are the parties involved in its running

10.2 The 11 key terms you have to know when you get a lease

10.3 What you can lease

10.4 In what situations we can choose the financial and operational lease

10.5 How to use to our advantage the differences between the financial and operational lease

10.6 What is important to know about the direct lease and the sublease

10.7 What are the “Sale and lease-back” and the “Buy-back”

10.8 What guarantees may be required by the lease company

10.9 How a lease operation runs

10.10 How we can transfer a lease agreement to another user

10.11 What happens if we don’t pay the lease installments

10.12 What are the reasons why we would choose lease as a means of financing