Institute Of Bankers Namibia (IOB) Courses Offered

Year 1 Semester 1

INTRODUCTION TO FINANCIAL SERVICES AND PRODUCTS

•CASH MANAGEMENT AND CREDIT SERVICES

•E-BANKING SERVICES

•CONSUMER PRODUCTS

•CONSUMER AND INTERNATIONAL BANKING SERVICES

•FINANCIAL PLANNING PRODUCTS

•PRODUCTS AND SERVICES OFFERED BY FINANCIAL INSTITUTIONSINTRODUCTION TO CREDIT AND CONSUMER LENDING •MEANING OF CREDIT

•UNDERSTANDING BASIC CREDIT TERMS

•BASICS OF CREDIT AND RELATED TERMS

•CREDIT ASSESSMENT PROCESS AND RELATED ISSUES

•LOAN APPLICATION AND RELATED TERMSINTRODUCTION TO FINANCIAL AND ECONOMIC CONCEPTS

•BASIC LIQUIDITY CONCEPTS

•BASIC FINANCIAL CONCEPTS

•TYPES OF FINANCIAL MARKETS

•SELECTED FINANCIAL TERMS

•SELECTED ECONOMIC TERMS AND CONCEPTS

•ECONOMY AND SECTORSINTRODUCTION TO FINANCIAL STATEMENTS

•INTRODUCTION TO FINANCIAL STATEMENTS

•BASIC ACCOUNTING CONCEPTS

•CLASSIFICATIONS OF FINANCIAL INDICATORS

•READING THE FINANCIAL STATEMENTS

Year 1 Semester 2

TREASURY BANKING PRACTICE AND OPERATIONS

•BASIC LIQUIDITY CONCEPTS

•BASIC FINANCIAL CONCEPTS

•BANK RUN AND LIQUIDITY POSITION

•LIQUIDITY RISK MANAGEMENT

•FUNDING SOURCES: ASSETS AND LIABILITIES

•TREASURY PRODUCTS

•TREASURY OPERATIONS

•SENSITIVITY TO MARKET RISK

•INTEREST RATE RISK MEASUREMENT METHODS

•SECURITIES AND DERIVATIVESCREDIT  RISK ASSESSMENT  I

•WHAT IS CREDIT RISK

•BASIC CREDIT TERMS

•BUSINESS LOANS AND BANK CUSTOMERS

•ASSESSING LOAN APPLICATIONS OF A NEW BUSINESS

•BUSINESS CREDIT ENVIRONMENT

•BANK LOANS BASICS

•REJECTIONS OF BANK LOANS APPLICATIONS

•ASSESSING FINANCIAL STATEMENTS

•MORTGAGE LOAN APPLICATION PROCESS I

•MORTGAGE LOAN APPLICATION PROCESS IICREDIT  RISK MANAGEMENT I

•DUTIES OF CREDIT RISK OFFICERS

•UNDERSTANDING LENDING PRODUCTS I

•UNDERSTANDING LENDING PRODUCTS II

•BASICS OF CREDIT AND RELATED TERMS

•UNDERSTANDING THE CREDIT ENVIRONMENT

•CREDIT POLICY AND THE ROLE OF CREDIT MANAGER

•CREDIT POLICY GUIDELINES

•RISK GRADING

•CREDIT FUNCTIONS I

•CREDIT FUNCTIONS IIBUSINESS MANAGEMENT I

•BASICS OF A BUSINESS

•BASICS OF BUSINESS MANAGEMENT

•MANAGEMENT FUNCTIONS

•WHAT IS BUSINESS MANAGEMENT?

•RESPONSIBILITIES OF SELECTED DEPARTMENTS

•DUTIES OF BUSINESS MANAGERS I

•DUTIES OF BUSINESS MANAGERS II

•BUSINESS RISK MANAGEMENT

•AUDITING OF BUSINESS OPERATIONS I

•AUDITING OF BUSINESS OPERATIONS II

Year 2 Semester 3

PRINCIPLES OF BANKING

•BANK ORGANIZATION

•BANK CUSTOMERS AND EARNINGS

•CASH MANAGEMENT AND CREDIT SERVICES

•E-BANKING SERVICES

•CONSUMER PRODUCTS

•CONSUMER AND INTERNATIONAL BANKING SERVICES

•FINANCIAL PLANNING PRODUCTS

•TRUST SERVICES AND DEPOSITS PRODUCTS

•BANKS INVESTMENT IN SECURITIES AND FUNDING ISSUES

•MEANING AND IMPORTANCE OF COLLATERALPRINCIPLES OF BUSINESS FINANCE

•WHAT IS PROFIT

•HOW TO MAKE PROFIT

•MEASUREMENT OF FINANCIAL SUCCESS

•FOUR KEY FIGURES IN A BUSINESS

•WHY PRODUCE FINANCIAL STATEMENTS

•WHAT IS A BALANCE SHEET

•WHAT IS AN INCOME STATEMENT

•What IS A CASH FLOW STATEMENT

•IMPORTANCE OF FINANCIAL STATEMENTS

•SIGNIFICANCE OF FINANCIAL RATIOSPRINCIPLES OF FINANCIAL MARKETS

•INTRODUCTION TO GLOBAL FINANCIAL MARKETS

•FINANCIAL CONCEPTS

•THE FINANCIAL LANDSCAPE

•IMPORTANCE OF THE BANKING INDUSTRY

•INVESTMENT INSTITUTIONS AND RETIREMENT FUNDS

•REGULATION OF FINANCIAL MARKETS IN SOUTH AFRICA

•MONEY MARKET INSTRUMENTS

•TIME VALUE OF MONEY

•ANALYSIS AND INTERPRETATION OF FINANCIAL STATEMENTS I

•ANALYSIS AND INTERPRETATION OF FINANCIAL STATEMENTS IIANALYSING FINANCIAL STATEMENTS

•FINANCIAL STATEMENT ANALYSIS: AN OVERVIEW

•READING FINANCIAL STATEMENTS

•INCOME STATEMENT ANALYSIS

•ANALYZING BALANCE SHEETS

•USING DEBT RATIOS TO ANALYZE FINANCIAL PERFORMANCE •CALCULATIONS AND INTERPRETATION OF PROFITABILITY RATIOS •CALCULATIONS AND INTERPRETATION OF EFFICIENCY RATIOS •CALCULATIONS AND INTERPRETATION OF LIQUIDITY RATIOS

•CALCULATIONS AND INTERPRETATION OF FINANCIAL GEARING RATIOS

•CALCULATIONS AND INTERPRETATION OF SECURITIES MARKET RATIOS

Year 2 Semester 4

BUSINESS FINANCE PRINCIPLES AND PRACTICE

•INTRODUCTION TO FINANCE

•THE FINANCE ENVIRONMENT          

•WHAT IS PUBLIC FINANCE

•SELECTED PROFITABILITY TERMS

•SELECTED FINANCIAL TERMSBANKING PRINCIPLES AND PRACTICES 

•BANK ORGANIZATION

•IMPORTANCE OF MONEY IN BANKING

•BASICS OF BANKING

•COMPOSITION OF BANK’S ASSETS

•COMPOSITION OF BANK’S LIABILITIES

FINANCIAL SYSTEM

•FINANCIAL MARKET AND THE SYSTEM

•TYPES OF FINANCIAL MARKETS

•MONETARY SYSTEM

•BASIC MONETARY TERMS AND CONCEPTS

•GLOBAL FINANCIAL SYSTEMPRINCIPLES OF INVESTMENT

•INTRODUCTION TO INVESTMENT

•BASICS OF INVESTMENT

•FINANCE RELATED QUESTIONS

•INTEREST RATE CALCULATIONS

•FINANCIAL ARITHMETIC

Year 3 Semester 5

BANKING II

•CHEQUES – THE PAYING AND COLLECTING BANKS

•WHAT IS BANKING?

•INVESTMENT BANKING

•BASIC BANKING TERMS

•DUTIES OF BANK OFFICERS I

•DUTIES OF BANK OFFICERS II

•FRAUD AND FINANCIAL CRIME

•PAYMENT SYSTEM

•CAPITAL ADEQUACY OF BANKING INSTITUTIONS

•FINANCIAL MANAGEMENT IN BANKINGBANK LENDING II

•WHAT IS LENDING

•LENDING AGREEMENTS AND RELATED TERMS

•THE LENDING ENVIRONMENT

•DEBTS AND RELATED TERMS

•DEFAULT AND RELATED TERMS

•BANKRUPTCY AND RELATED TERMS

•AIRCRAFT FINANCE

•BASICS OF MORTGAGE LOANS I

•BASICS OF MORTGAGE LOANS II

•REAL ESTATE INVESTMENT

FINANCIAL MARKETS II

•INTRODUCTION TO FINANCIAL MARKETS

•BOND RELATED CONCEPTS

•FINANCIAL SYSTEM ENVIRONMENT

•READING THE INCOME STATEMENT

•READING THE BALANCE SHEET

•READING THE CASH FLOW STATEMENT ANALYSIS OF FINANCIAL STATEMENTS

•BASICS OF THE BOND MARKET

•CUM INTEREST BONDS

•EX INTEREST BONDSAGRICULTURAL AND DEVELOPMENT BANKING

•LEGAL FRAMEWORK FOR AGRICULTURAL BANKING IN NAMIBIA •AGRICULTURAL FINANCIAL POLICY AND RISK MANAGEMENT •PERFORMANCE OF THE AGRICULTURAL BANK OF NAMIBIA •AGRICULTURAL FINANCIAL STATEMENTS

•AGRICULTURAL SECTOR IN NAMIBIA

•LEGAL FRAMEWORK FOR DEVELOPMENT BANKING IN NAMIBIA •PERFORMANCE OF THE DEVELOPMENT BANK OF NAMIBIA

•APPRAISAL OF DEVELOPMENT PROJECTS

•DEVELOPMENT FINANCE INSTITUTIONS OUTSIDE NAMIBIA

•ECONOMIC DEVELOPMENT

Year 3 Semester 6

BUSINESS FINANCE I

•TYPES OF FINANCE I

•TYPES OF FINANCE II

•WHAT IS PUBLIC FINANCE?

•WHAT IS PROJECT FINANCE?

•FINANCE RELATED QUESTIONS

•MONEY MARKET INSTRUMENTS

•SELECTED PROFITABILITY TERMS I

•SELECTED PROFITABILITY TERMS II

•SELECTED FINANCIAL TERMS I

•SELECTED FINANCIAL TERMS II CREDIT RISK ASSESSMENT  II

•THE BUSINESS AND CREDIT ENVIRONMENT

•FINANCIAL PERFORMANCE INDICATORS OF THE COUNTERPARTY

•ASSESSING THE FINANCIAL PERFORMANCE OF THE BORROWER •ANALYSING THE DEBT RATIOS OF A COMPANY

•CAPITAL STRUCTURE AND RELATED ISSUES

•FUNDAMENTAL ANALYSIS I

•FUNDAMENTAL ANALYSIS II

•MARKET ANALYSIS I

•MARKET ANALYSIS II

•CREDIT ASSESSMENT PROCESS AND RELATED ISSUESCREDIT RISK MANAGEMENT  II

•DUTIES AND RESPONSIBILITIES OF A CREDIT MANAGER I

•DUTIES AND RESPONSIBILITIES OF A CREDIT MANAGER II

•UNDERSTANDING BASIC CREDIT TERMS

•UNDERSTANDING BASIC DEBT TERMS I

•UNDERSTANDING BASIC DEBT TERMS II

•DUTIES OF CREDIT (OR DEBT) SPECIALISTS

•DEBT COLLECTION INSTRUMENTS

•DEBT COLLECTION PROCESS AND REPOSSESSION

•DEFAULT JUDGMENT AND FORECLOSURE

•CREDIT RISK MANAGEMENT AND PROCEDURAL GUIDELINESBUSINESS MANAGEMENT II

•BUSINESS MANAGEMENT TERMS

•BUSINESS MANAGEMENT RESPONSIBILITIES I

•BUSINESS MANAGEMENT RESPONSIBILITIES II

•DUTIES OF BUSINESS MANAGERS

•TYPES OF BUSINESS INDUSTRIES