Course detail

Banking System

ÚSI-1RBBAAcad. year: 2011/2012

The course focuses on the following topics: Explanation of different types of banks, functions of banking sector, banking operation types, payment instruments, bank products, bank marketing, use of financial mathematics in banking, crediting, management of bank liquidity, assets and liabilities management including risk management.

Language of instruction


Number of ECTS credits


Mode of study

Not applicable.

Learning outcomes of the course unit

Students will gain knowledge of the banking sector function, different types of banks, possibilities to use the banking products in practice, payment instruments and banking services utilization, risk elimination. They will be aware of the "time value of money" principle when choosing a suitable banking product, elaboration of a loan application for particular company.


Not required.


Not applicable.

Planned learning activities and teaching methods

Teaching methods depend on the type of course unit as specified in the article 7 of BUT Rules for Studies and Examinations.

Assesment methods and criteria linked to learning outcomes

The course-unit credit is awarded under condition of having worked out a business plan - loan application. The form of examination is combined - a written test and an oral examination.

Course curriculum

1. Type of banks and their role in financial system.
2. Present development trends of banks.
3. Interest rate, understanding of interest rate behavior.
4. Instruments of payment I. - cheque, bill of exchange.
5. Instruments of payment I. - documentary.
6. Domestic and international noncash payment system.
7. Bank sources, deposit business.
8. Credit business.
9. Assurance and management of credit business.
10. Financial-credit business of banks.
11. Internal economy of bank, management of assets and debts.
12. Mortgage and consumer credit.
13. Financing of development projects.

Work placements

Not applicable.


The main objective of the course is to provide students with the necessary knowledge of basic functions of the banking sector, types of banks and the way of their entrepreneurship. Also to deal with the basic rules of active and passive transactions of banks with clients, international business financing, domestic and foreign system of payment, cash transactions, using the payment instruments, information systems and providing the banking services. It also shows students into bank marketing, business ethics, management of changes in the bank, liquidity management and internal economics of the bank, banking transactions at bank's own account, exchange transactions, transactions with receivables and stock and bonds, banking risk management. Students will have a grasp of interest rates, returns, present and future values, the way of their functioning and impact on entrepreneurial activities.

Specification of controlled education, way of implementation and compensation for absences

Not applicable.

Recommended optional programme components

Not applicable.

Prerequisites and corequisites

Not applicable.

Basic literature

ZEMAN, V., MELUZÍN, T.: Bankovnictví pro stud. obor RI, 1. vyd Brno CERM 2009, 216 str.,ISBN 978-80-214-4040-1 (CS)
ZEMAN,V., MELUZÍN, T.: Bankovnictví I.,II., 2. rozšířené a doplněné vyd. Brno, CERM 2008, 198 str., ISBN 978-80-214-3580-3 (1.díl), 978-80-214-3581-0 (2. díl) (CS)
RADOVÁ, J., DVOŘÁK, P.: Finanční matematika pro každého, 4. vyd. Praha, Grada Publishing 2003, 259 str. ISBN 80-247-0473-0 (CS)
KOLEKTIV AUTORŮ, Bankovnictví, 5. vyd. Praha, Bankovní institut 2004, 292 str. ISBN 80-7265-035-1 (CS)

Recommended reading

POLIDAR, V.: Management bank a bankovních obchodů, 2. vyd. Praha, Ekopress 1999, 450 str. (CS)
SCHLOSSBERGER, O., SOLDÁNOVÁ, M.: Platební styk, 3. přepracované a doplněné vyd. Praha, Bankovní institut 2005, 368 str. ISBN 80-7265-072-6 (CS)
ROSEMBERG, J., M.: Slovník bankovních a finančních služeb I - IV, 1. vyd. Praha, Victoria Publishing 1994, (CS)
MELUZÍN, T.: Finanční trhy - cvičení . 1. vyd. Brno CERM 2005, 46 str. ISBN 80-214-3048-6 (CS)

Classification of course in study plans

  • Programme MSoI Master's

    branch REI , 1. year of study, summer semester, compulsory

Type of course unit



26 hours, optionally

Teacher / Lecturer


1. Types of Bank and their funkcion in the financial system
2. Actual trends of banking development
3. Interest, undestanding and characteristics of interest rates
4. Payment instruments
5. Domestic and foregin payment system and setlement of payments
6. Bank resources, deposit (passive) banking business
7. Banking loans, collaterals
8. Loan risk sekurity
9. Mortage credits
10. Loans of building saving
11 Projects financing
12. Financing of developer projects
13. Internative bank economist, assets and liabilities management


13 hours, optionally

Teacher / Lecturer