Miscellaneous Functions and Services

Thursday - Friday
9:00 am - 5:00 pm

This module presents an overview of the more important,
higher-revenue-generating alternative services and activities
banks offer, including:

INVESTMENT BANKING: the sale and distribution of a new offering of,
as well as previously issued, securities; the creation and
maintenance of markets for these securities; and other services,
such as broker-dealer operations and financial advisory services.
 
MERCHANT BANKING: investment banking that specializes in
counseling and merger and acquisition negotiations, leveraged
buyouts, credit financing and other structured finance transactions.  

TRUST SERVICE: a fiduciary service whereby the bank, referred to as
trustee, holds title to and manages properties for the benefit of
its client, usually called the beneficiary. 

CREDIT CARD SERVICE: a service whereby a bank offers to a
customer with satisfactory credit rating a payment card for making
retail purchases or obtaining cash advances from a preapproved
credit line.

e-BANKING: the access and use by a customer of the various services
a bank offers via electronic media devices or networks, such as the
Internet, phone lines, etc., and the bank's use of the like media as
marketing vehicles to cross-sell its products and services. 

The module also examines in meticulous detail the various self-imposed
as well as regulatory-mandated ways by which banks protect
themselves against all forms of criminal activity. Included is an overview
of the stringent rules bank regulators impose concerning risk
management, regulatory compliance and corporate governance.

Successful completion of the course enables the participant to:

1.     Understand the various fee-based services banks offer to
        augment and/or supplement its main revenue sources;

2.     Recognize the benefits of e-Banking as a marketing vehicle to
        cross-sell the bank's various products and services;

3.     Learn and understand the various security and control measures
        banks religiously observe to protect their assets and,
        more importantly, the funds entrusted to them by the
        depositors; and

4.     Understand and appreciate the roles the regulators,
        i.e., Bangko Sentral ng Pilipinas and the Philippine Deposit
        Insurance Corporation, as well as the bank board - appointed
        independent  auditors play in maintaining bank security.

This module is designed for bank personnel wishing to gain an insight on other functional areas in the bank to which they have not been previously exposed, bank management/officer trainees, business graduates aiming for a career in banking, and those in the legal profession in search of an “immersion” course in banking.

This is a required module for those enrolling in the Center's Diploma Program in Banking.

 •  Trust services
 •  Investment banking
 •  Merchant banking
 •  eBanking
 •  Credit card services
 •  Bank security & control framework; an overview
 •  Statutory requirements
    - Risk Management
    - Compliance Requirements
 •  Internal audit, controls and security; daily, periodic, annual
 •  External audit
 •  Reportorial requirements

is the Director for Credit Programs at the Ateneo-BAP Institute of Banking, the Program Director for Finance at the Ateneo Center for Continuing Education, and a professor of Finance at the Ateneo Graduate School of Business.