Banking fundamentals

1. Corporate / Wholesale Banking
• Duration: 1.5 hours
• Objective: Understand services offered to
business customers and how they are handled
in systems

2. Who Are the Customers?
• Small businesses, mid-market firms, large
corporates
• Government, institutions, NGOs
• Relationship-managed and complex profiles

3. Key Products & Services
• CASA (Current accounts)
• Term Loans, Revolving Credit
• Working Capital Financing (Overdrafts, Bill
Discounting)
• Treasury Services (FX, Hedging)

4. Cash Management Services
• Receivables Management
• Payments & Disbursements
• Lockbox, Virtual Accounts
• Collections via ACH, Wires, Remote Deposit

5. Trade Finance
• Letters of Credit
• Bank Guarantees
• Bills for Collection
• Documentary Credit

6. Relationship & Limit Management
• Credit Lines, Exposure Limits
• Internal Ratings and Risk Categories
• Collateral Management

7. Regulatory Considerations (US)
• Know Your Business (KYB)
• UCC Filings, Sanctions Checks
• Commercial Lending Regulations

8. Core Systems & Functional View
• Relationship Master vs Customer Master
• Facility Setup & Disbursement Engine
• Interest Calculation, Repayment Schedules

9. Example Scenarios
• Corporate onboarding → Limit setup → Loan
disbursement
• Disbursement split across currencies
• SWIFT Payment from current account

10. Quiz & Discussion
• What is a revolving credit line?
• Name two trade finance instruments
• What’s the difference between retail and
corporate loan systems?
• What is a lockbox service?