The LIBF Level 3 International Banking & Finance Certificate– Foundation (IBCF) aims to develop an individual or team’s knowledge and understanding of banking and finance, as well as to equip them with the skills required to be a modern banker. IBCF will prepare individuals and teams with essential knowledge of the financial services environment, regulatory requirements, banking products and services. Participants will benefit from: • Gaining an international perspective on banking and finance and global best practices • Developing both personally and professionally and apply the knowledge gained across a range of banking job roles and functions
At the end of the training program, the participant should be able to:
1 1. What banks do?
2 2. The broad organisational structure of banks
3 3. Financial market participants
4 4. types of banks
5 5. how climate change is affecting financial services
1 1. the components that make up the balance sheet of a typical bank
2 2. the different categories of assets a bank holds
3 3. the regulatory constraints on banks’ balance sheets
4 4. how a bank funds its assetsر
5 5. equity – why a bank needs capital
1 1. the characteristics of the main retail banking products and services
2 2. why retail customers may have different needs and how banks segment their products and services to meet them
3 3. the importance of client risk appetite when considering the suitability of mortgage and savings products for individual customers
1 1. the ways in which banks use credit scoring
2 2. advantages and disadvantages of credit scoring
3 3. the reasons for using credit bureaux
4 4. how behavioural scoring is used to predict payment default
5 5. the main life events affecting unlikeliness to pay
1 1. the concept of client segmentation
2 2. typical wealth management and private banking services
3 3. the different client life stages
4 4. how to evaluate a client’s risk appetite
5 5. assessing the suitability of products and investments
6 6. the most common wealth management products
7 7. discretionary portfolio management
8 8. tax strategies and estate planning and trust services
1 1. why corporates use banks
2 2. what banking services they use
3 3. how these services facilitate efficient cash management and working capital management
4 4. the difference between cash management and working capital management
5 5. the long-term funding options available to them
1 1. how a credit proposal is put together for corporate borrowing
2 2. different models for assessing a credit proposal
3 3. what these models analyse and how this helps banks in the lending decision
1 1. the concept of risk
2 2. the relationship between risk and reward
3 3. different risk types in banking
4 4. risk categorisation
5 5. risk management
6 6. 6.risk mitigation
1 1. what capital is and why banks hold capital
2 2. why we need regulation
3 3. the Bank for International Settlements (BIS)
4 4. the Basel Committee on Banking Supervision (BCBS)
5 5. development of the Basel Accords
6 6. the purpose of risk-weighted assets; the liquidity coverage ratio and the net stable funding ratio
1 1. the three stages of money laundering
2 2. basic anti-money-laundering procedures within a bank
3 3. key international anti-money-laundering and countering the financing of terrorism measures
4 4. the link between know your customer and due diligence and why they are important
5 5. situations that could lead to a conflict of interest
6 6. the purpose of an ethical wall
7 7. the implications of non-arm’s-length transactions
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Names of the training programs that are integrated (enriched) with the training program:
Names of the training programs that after the training program:
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