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Banking_Fundamentals_Module_1_2_3_US_Fresh.pptx
- 1. Introduction to Banking& Financial Services • Duration: 1 hour • Objective: Understand the role of banks in the US financial system
- 2. What is aBank? • A financial intermediary • Accepts deposits, provides loans • Facilitates payments and credit
- 3. Why Banks Matter •Allocate capital • Provide safety and liquidity • Enable economic activity • Trust-based system
- 4. Core Banking Functions •Intermediation (savers to borrowers) • Liquidity Provision • Risk Transformation • Payments & Settlements
- 5. Types of Banks(US Context) • Commercial Banks • Savings and Loan Associations • Credit Unions • Investment Banks • Neo/Online Banks
- 6. Types of BankCustomers • Individuals (Retail) • Small businesses / SMEs • Corporates & Institutions • Government and public entities
- 7. US Banking Structure •Federal Reserve: Central Bank • FDIC: Deposit Insurance • OCC: Regulator for national banks • CFPB: Consumer Protection
- 8. Business Segmentation inBanking • Retail • Corporate / Wholesale • Capital Markets • Private Banking • Treasury
- 9. How Tech PowersBanking • Core Banking Systems • Channel Applications (Mobile/Internet) • Payment Gateways • Regulatory Compliance Engines
- 10. Quiz & Wrap-Up •What is the role of the FDIC? • Name two types of banks. • Who are retail customers? • What is liquidity transformation? • What system powers online banking?
- 11. Lines of Businessin Banking • Duration: 1 hour • Objective: Understand the key business segments in banks
- 12. What is aLine of Business? • A customer or product-segmented service area • Independent P&L responsibilities
- 13. Retail Banking • Products:Savings, Checking, Loans, Credit Cards, Mortgages • Channels: Branch, Mobile, ATM • Volume-driven, low value per transaction
- 14. Corporate / WholesaleBanking • Customers: SMEs, Large Corporates • Products: Working Capital, Cash Management, Trade Finance, Escrow • High value, relationship-driven
- 15. Capital Markets /Investment Banking • Services: Underwriting, IPOs, Trading • Revenue from fees and market activity
- 16. Private Banking &Wealth • High Net Worth Individuals (HNWIs) • Personalized financial services, estate planning
- 17. Treasury & ALM •Managing liquidity, funding, FX risk • Interbank borrowing/lending
- 18. Software Mapping toLines of Business • Retail: Core Banking, LOS, CRM • Corp: CMS, Trade Finance, Treasury Mgmt • Markets: Deal Booking, Risk Engines, Settlements
- 19. Data & SystemSegregation • Customer Segments • Product Catalogues • Ledger Structures
- 20. Recap & Questions •Match the following: • Working capital → ? • Credit card → ? • IPO → ? • Why do banks split into lines of business?
- 21. Retail Banking DeepDive • Duration: 1.5 hours • Objective: Explore retail banking products, lifecycle, and system behavior
- 22. Retail Customer Journey •Onboarding → Account Opening → Product Usage → Closure • Touchpoints: Branch, Mobile, Online, Call Center
- 23. Savings & CheckingAccounts • Features: Interest-bearing, withdrawals, minimum balance • Transaction Types: Deposits, Withdrawals, Auto-debits, Transfers
- 24. Retail Loans • Types:Personal, Auto, Mortgage, Education • Lifecycle: Origination → Disbursement → Repayment → Closure • EMIs, Interest Accrual, Amortization
- 25. Cards & Payments •Credit Cards vs Debit Cards • Authorization, Posting, Settlement • Rewards, Fees, Interest
- 26. Channels & Access •ATM, Mobile, Internet Banking • Security, UX, Integration with Core
- 27. Regulatory Considerations (US) •KYC/AML for Individuals • FDIC Insurance Limits • Truth in Lending Act (TILA)
- 28. Core Banking FunctionalView • Account Master, Customer Master • Transactions Table: Debits/Credits, Timestamps, References • Ledger Balances: Available, Book, Float
- 29. Example Scenarios • Customeropens savings account • Withdraws via ATM • Credit card EMI auto-debit • Account closure process
- 30. Quiz & Discussion •What’s the difference between checking and savings? • How does EMI processing reflect in core banking? • Name 3 types of retail loans • What happens in a failed auto-debit?