Learning outcomes
The course aims to provide students with an integrated perspective of the institutional, legal, and market conditions—both national and international—under which financial entities operate. It highlights short- and medium-term development perspectives and the constraints faced by these entities today.
Conteúdos programáticos
I. Contextualization
- Institutional and market conditions faced by financial entities.
- Role of equity and debt in financial institutions.
- Organization of the banking system and market constraints on determining the cost of capital.
- Supervision of the banking system, conditions for access to banking activities, and control mechanisms.
- Characterization of the main risks associated with banking balance sheets.
II. Banking Assets and Liabilities
- Characterization of banking assets concerning the profitability required by shareholders.
- Characterization of banking liabilities, particularly in terms of cost.
- Traditional bank loans vs. financial disintermediation operations.
- Basel II.
III. Financial System and European Banking Union
- The financial system, functions of financial intermediaries, and the special role of banks.
- European Banking Union.
- Single Supervisory Mechanism.
- Banking resolution and Single Resolution Mechanism.
- Payment services.
- Introduction to credit granting contracts.
- Bank guarantees.
