This course will provide delegates with the variety of skills needed to deliver retail banking products and services. The course also covers the risks in retail banking, different approaches to risk management, including credit scoring techniques, and working with problem loans.

COURSE OUTLINE:-

1. Introduction to Retail Banking

• An overview of  Retail Banking, the sector, players, products and services
• How to design a retail banking product or service

2. Design and Development of Retail Banking Products and Services

• How to design a retail banking product or service
• How to develop a retail banking product or service

3. Retail Banking Delivery Channels

• How the delivery channel impacts the success of retail products
• Customer Service
• Dealing with difficult customers
• Measuring service quality and customer satisfaction

4. Launching a Product and Different Types of Bankcards

• How to launch a retail banking product or service
• E-Banking, bankcard operations and customer acquisition
• Impact of Information Technology in Retail Banking

5. Risk Assessment and Credit Scoring Techniques

• Credit Scoring and its deviation
• The concept of risk and risk evaluation methods
• Building credit scoring tables
• Analysing risk and assessing creditworthiness
• The customer exposure calculation

6. Non-Performing Loans and Retail Loan Portfolio Management

• Explain non-performing loans, the obligor risk rating and required provisions
• Increasing the interest margin and profitability of the retail loan portfolio
• Marginalised income and its impact on the retail loan portfolio
• Working with delinquent accounts
• Retail loan portfolio management and the impact of corrective action on portfolio performance

7. Future Development in Retail Banking