Description

Understand the foundations of the French banking organization and know the different banking professions. Understand the activity of retail banking, its operation, its organization and its products.

Who is this training for ?

For whom ?

Any employee brought to work or interact as part of a first experience with the world of retail banking.

Prerequisites

Training objectives

Understand the foundations of the banking organization

Know the different banking professions

Understand the activity of retail banking, its functioning, its organization and its products

Training program

• Overview of banking activity

  - n'as pas encore du programme

• The professions, the challenges and the operating principles
  • - The different players in banking: retail banking, specialized credit institutions, CIB Retail, corporate and investment banking, private banking and asset management .
  • - The bank's activities: investment banking activities (M&A, corporate finance), market activities.
  • - General presentation of the main players in France.
  • - Key figures and strategies.
  • - The challenges of customer relations.
  • - Banking indicators: NBI and operating ratio, the customer-banker relationship.
  • - Exercise: Relate its attributes to the different banking professions (functions, customers, share of net banking income.
  • - ).
• Focus on retail banking
  • - General information on retail banking: retail banking activities, organization, professions, figures.
  • - The players in retail banking, their roles and their missions.
  • - Segmentation of the banking market: definition, origins and objectives of segmentation.
  • - The segmentation method.
  • - The customer life cycle: segment age of the customer, needs and projects, products response.
  • - The different markets.
  • - Exercise: Segment fictitious customers according to their characteristics.
• How the bank account works
  • - Managing individual accounts: Individual, joint and undivided accounts, accounts for minors The formalities for opening a bank account.
  • - Closing an account.
  • - Power of attorney, incidents: debtor account, control? fight against money laundering.
  • - Management of professional accounts.
  • - Procedures for opening a bank account professional.
  • - Management of business accounts.
  • - General information and terms.
  • - Banking conditions: pricing, account agreement and its content.
  • - Services ancillary to the bank account.
  • - “Extra-banking” services
  • - Interbank transfer circuits/European transfers: Target 2, Correspondent Banking.
  • - Interbank exchange circuits: CORE, Means of payment: Check, bank cards, TIP, RIB, the SEPA project, Exercise: Commented study of an account agreement and a pricing scale from a bank
• Account incidents and their treatment
  • - Payment incidents, the different forms.
  • - Attribution seizure, notice to third party holder (ATD).
  • - Regularization, denunciation and payment of an incident.
  • - Preservative seizure.
  • - The files managed by the Banque de France: general, the File of Bank and Similar Accounts (FICOBA).
  • - The Central File of Checks (FCC), The National File of Irregular Checks (FNCI).
  • - The Central File of Irregular Checks (FCCI).
  • - The FIBEN and the Central Risk Service.
  • - Exercise: Read and analyze a bank statement.
  • - Present the points to watch out for as well as the commercial opportunities of an example account.
• Funding
  • - The financing market for businesses.
  • - Leasing.
  • - Financing for professionals and businesses.
  • - Financing by credit, through intermediation.
  • - Individual financing.
  • - Cash loans, bank overdrafts, consumer loans.
  • - The real estate credit: the loan offer, the guarantees of the borrower and the lender, the rate.
  • - Exercise: Analyze and calculate the financing conditions offered to different customers.
• Other savings products and guarantees
  • - The different bank savings products: The Livret A, the Housing Savings Plan (PEL), the LDD.
  • - Non-bank savings products: PERP, PEE , PEA.
  • - Funding guarantees.
  • - Exercise: Organize your commercial action in order to increase your network's savings collection.
• Evolution of the bank and prospects
  • - New products and services.
  • - Banking models.