Institute of Bankers Prospectus 2015

Index 1. SECTION TITLE:

2. Contact Details

3. IoB Council

4. IoB Executive Committee (EXCO)

5. IoB Education and Examination Committee (EEC)

6. Objectives of the Institute

7. Importance of Banking Education

8. IoB Qualification

9. Admission to Studies

10. Synopsis of Courses

11. IoB Examination Dates

12. Vacation Schools

13. IoB Calendar of Academic Activities

Contact Details Postal Address: P.O. Box 21376, Windhoek, Namibia Telephone number: (+264-61) 255 632 Fax number: (+264-61) 233 640 E-mail: info@iobnam.com Website: www.iobnamibia.com Windhoek Office: 4, Reger Park Complex

Reger Street, Off Hosea Kutako Drive Southern Industry

Office Hours: 08h00 - 16h30 (Mon - Fri) Enquiries: (+264) 81-2730203

IoB Council

Established in 1988 as the professional and educational body for the banking and

the financial services industry in Namibia, the Institute is the leader in providing

industry­ focused training programs and certifications. The Institute is the only

national association devoted exclusively to representing and advancing the

interests of the banking community throughout Namibia.

The governing body of the Institute is the Council, which has the ultimate

responsibility for the work and progress of the Institute towards the achievement

of its goals. The Council is the highest governing authority of the Institute. The

Institute is governed by the Constitution of the Institute.

The Council meets 3 times a year, in April, July and October; and has wide

powers to make rules, lay down policies, approve programmes and plans, and to

establish working procedures governing the operations of the Institute. The role of

the Council is to set the medium to long-term direction of the Institute and to

advise the Executive Committee (Exco) on the development of the Institute.

The day-to-day management of the Institute is vested in the hands of the Chief

Executive Officer of the Institute. The Council appoints the CEO of the Institute.

The Chief Executive Officer of the Institute performs the Secretariat function of

the Council. The Secretariat is accountable to the Council for all administrative

affairs of the Institute.

The Executive Committee (Exco) is appointed by the Council to assist the IoB CEO

in strategic activities of the Institute. The Executive Committee (Exco) of the Institute

comprises of Senior Managers of the participating banks, and the Chief Executive

Officer of the Institute.

IoB Executive Committee (Exco)

Exco plays an instrumental role in planning, directing, coordinating, and supervising

of the core strategic activities of the Institute. The Executive Committee is

responsible for overseeing the management of the Institute, including provision of

training, awarding of qualifications, and the collaborations of the Institute with

organizations in Namibia, in the African region and overseas. Exco meetings take

place every three months.

IoB Education and Examination Committee (EEC)

The role of the Committee is instrumental to ensure an effective learning, teaching,

examination and assessment processes within the Institute, in line with the best

international practices.

Duties and Responsibilities

The Committee advises the Institute on the following matters:

• Propose and review the content and structure of the curriculum.

• Develop appropriate examination and education policy of the Institute.

• Make recommendations on specific actions or decisions the Exco and Council

should consider in order to improve the quality of banking education.

Constitution of the Committee

The Committee comprises the following members:

• The Chief Executive Officer of the IoB:

• The Head of Examination at the University of Namibia or a nominee.

• The Head of Examination at the Polytechnic of Namibia or a nominee.

• One lecturer from the University of Namibia.

• One lecturer from the Polytechnic of Namibia.

• Two persons with banking experience, employed within the banking industry.

• One person from the Ministry of Education. (Examination Department)

OBJECTIVES OF THE INSTITUTE

The objects and powers of the IoB are:

(a) to provide opportunities for members to acquire a knowledge on

the theory and practice of banking;

(b) to facilitate the consideration and discussion of matters of interest to

financial institutions ;

c) to take any measures which may be considered desirable to further the

interests of banking and financial institutions and persons associated

with banking and financial institutions;

(d) to provide facilities for the reading and discussion of approved papers and

to arrange for the delivery of lectures on banking and kindred subjects;

(e) to arrange for the holding of examinations, to prescribe the syllabuses for

such examinations, and to grant and award certificates, diplomas and

prizes, monetary or otherwise, to successful and/or deserving candidates;

(f) to arrange for the production, publication, issue and distribution of

publications pertaining to banking and allied subjects, including a Journal

which shall be the official publication and communication organ of the

Institute;

(g) to provide facilities for the teaching of banking qualifications in order

to promote banking as a career and profession in Namibia.

VISION OF THE INSTITUTE

To be a preferred banking and financial services qualification provider in Namibia

MISSION OF THE INSTITUTE

To be a leading provider of qualifications in the banking and financial services

sector

Importance of Banking Education

The Global Financial Crisis of 2008 rooted in the banking sector has vividly

demonstrated the importance of continuous investment in the training and

education of the banking community throughout the regions of the world.

Banking education is vital in ensuring effectiveness, professionalism and

upgrading of skills, which all add to the advancement of the industry in general.

Because banking is probably one of the most dominant phenomena in recent

economic memory, and a critical service in today's world, it is important that those

who provide such service are well trained and equipped with the latest skills to do

so.

Changes in the banking environment make it necessary for banking staff to equip

themselves with banking skills and knowledge in the financial sector. The IoB

qualifications are intended to empower learners to acquire knowledge, skills,

attitudes and values required to operate responsibly in the banking and financial

services sector.

IoB as a leading banking education provider in the country is well positioned and

equipped to provide the best education for those in the industry or planning to

pursue careers in this sector. As a certified provider of banking education, IoB has

embarked on a journey to impact positively on the banking industry. IoB and

Namibian Banks, bring together invaluable expertise and resources to provide any

of their banking students with the best education, positioning them as potential

leaders in the industry.

The Institute continuously organise various types of quality training programs for

professional practice and latest development of the industry. It aims to advance

the banking and financial practitioners the knowledge, as well as to gain

competitive edge. Depending on the coverage and depth of the topic, from

technical briefing and updates to comprehensive studies, these courses are

usually of practical nature and are designed to equip members with the skills and

knowledge that are required for specific IoB areas.

IoB will offer quality programs and industry events for its members to increase

their professional capabilities. Industry events provide a perfect platform for IoB

members to broaden their business networks and opportunities. IoB will offer

conferences aiming to explore the various challenges and opportunities in the

banking and financial services industry.

IoB Qualification

Program consists of the following 24 modules: Modules Course Code Q0341 Certificate in Banking, Finance and Credit NQF (Level 5) Year 1 Semester 1 1 Introduction to Financial Services and Products CIFSP 1000 2 Introduction to Credit and Consumer Lending CICCL 1000 3 Introduction to Financial and Economic Concepts CIFEC 1000 4 Introduction to Financial Statements CIFS 1000 Year 1 Semester 2 5 Treasury Banking Practice and Operations CTBP0 1000

6 Credit Risk Assessment I CCRA 1000 7 Credit Risk Management I CCRM 1000

8 Business Management I CBM 1000

Q0342 Diploma in Banking, Finance and Credit NQF (Level 6) Year 2 Semester 3

9 Principles of Banking DPBA 2000

10 Principles of Business Finance DPBF 2000 11 Principles of Financial Markets DPFM 2000 12 Analysinq Financial Statements OAFS 2000 Year 2 Semester 4 13 Business Finance Principles and Practice DBFPP 2000

14 Banking Principles and Practices DBPP 2000

15 Financial System DFS 2000

16 Principles of Investment DPI 2000

Q0343 Advanced Diploma in Banking, Finance and Credit NQF (Level 7) Year 3 Semester 5

17 Banking II ADBA 3000

18 Bank Lending II ADBL 3000

19 Financial Markets II ADFM 3000 20 Agricultural and Development Banking DADB 2000 Year 3 Semester 6

21 Business Finance I DBF 2000 22 Credit Risk Assessment II ADCRA 3000 23 Credit Risk Management II ADCRM 3000

24 Business Management II ADBM 3000

All modules are compulsory. Students must register for a maximum of four modules per semester/intake. All IoB qualifications are accredited by Namibia Qualifications Authority (NQA) and are registered on the National Qualifications Framework (NQF) as follows: a) Q0341 Certificate in Banking, Finance and Credit NQF (Level 5) b) Q0342 Diploma in Banking, Finance and Credit NQF (Level 6) c) Q0343 Advanced Diploma in Banking, Finance and Credit NQF (Level 7)

Admission to Studies

Entry requirements

The basic entry requirement for entrance to the Certificate Programme in Banking

Finance and Credit of the Namibian Institute of Bankers is the Namibian Senior

Secondary Certificate (NSSC) or any other equivalent qualification as approved

by the Namibia Qualification Authority (NQA).Applicants who apply with a NSSC

certificate automatically qualify for admission of entry.

Applicants must have a sufficient knowledge of the English Language that would

enable them to cope with studying at IoB. In specific terms, the applicant should

have passed English Language with an E symbol or higher on the NSSC

Ordinary Level and obtained a minimum total of 21 points in six subjects at grade

12 level in order to meet admission requirements.

Note: NSFAF and the commercial banks require 25

points for employment and or loan purposes.

Meeting the minimum entry requirements does however not guarantee

admission. Admission will depend on the competitive strength of each applicant’s

academic performance and the final selection process will be determined by the

Institute.

Exemptions

A student may be exempted from taking certain modules under the following

conditions:

a) Permission for exemption shall be sought from the Chief Executive Officer

through completion of relevant application form.

b) Exemption may be given to a student who has passed a relevant module

or course at a recognised University or Institute of Bankers or Tertiary

Institute of Higher Learning.

c) Exemption may be given to a student for relevant work experience and

recognized prior learning based on expertise and skills in the relevant

module.

d) Exemptions are granted on a module basis and at the Institute discretion.

e) Applications for exemptions should include an official transcript listing all

subjects passed.

f) Exemption fee of N$ 250-00 per module is charged.

Applications

First time applications

All students wishing to enroll with the IoB for the Certificate in Banking must remove and

complete the application/registration form included in the center of this prospectus.

The form requires the prospective student to complete Section A with personal particulars

– as per a certified copy of your identification document which you must attach – and

Section B, details of your employer; and for Section C indicate which exam centre you

would most likely write the examinations at as well as your home town.

For Section D you are requested to mark which subjects you wish to register for and

indicate if you have applied to the NSFAF for a loan.

For Section E you need to complete the section on your Grade 12 or higher education

results and attach certified copies of the appropriate certificate and other post matric

academic achievements.

You are also requested to advise the IoB should you have any disability of other health

matters that the IoB staff need to be made aware of,

This completed form must be delivered, either personally or mailed, to reach the IoB

offices by 15 January 2015.

Once accepted the application will be advised of the amount to be deposited (see page 10

of this prospectus) into the IoB bank account at the Bank of your choice; on providing proof

of the deposit your books and student card will be handed.

Continuing study applications/Registration

All students wishing to continue studying with the IoB for the Diploma or advanced

Diploma in Banking must also remove and complete the application/Registration form as

above but you are not required to complete section E.

The application must deposit (see page 10 of this prospectus) the correct amount into the

IoB bank account at the Bank of your choice; on providing proof of the deposit your books

and student card will be handed.

Fees

NSFAF – approved loan holders

Registration fee – per semester N$ 150

Other students

Course fee (including study materials) per module 1 100

administration fee – per semester 600

Other fees

exemption fee per module 250

supplementary examination fee per module 250

remarking of examination script 200

registration to repeat a failed module 300

Payment terms

To assist students to pay the semester fees the IoB is willing to accept the following terms.

January / February registration for the first semester of 4 modules:

By 6 February 2015 N$ 3 000

By 31 March 2015 1 000

By 30 April 2015 1 000

No assignment marks will be released unless paid in full.

July registration for the second semester of 4 modules:

By 11 July 2015 N$ 3 000

By 31 August 2015 1 000

By 30 September 2015 1000

No assignment marks will be released unless paid in full.

Deposit Slips

To register, a student must obtain or download the IoB’s Application Form and after

being allocated a Student Number make a deposit or transfer the requisite fee into

the specified bank account (separate for each of the participating banks)

completing the Student Number section of the form.

A copy of the second part, stamped by the bank or a bank generated e-mail must be

handed to the IoB on registration as proof of payment.

The original copy must be kept as a proof of payment until you have completed your

studies at IoB.

Duration The normal duration of the program is 3 years and a maximum of 6 years. There

are two semesters in one year, one semester last 6 months, starting January

each year.

Mode of Delivery Full time, part time and distance learning.

Day and Evening Classes in Windhoek (See Timetable on Dear Student Letter)

There are day and evening classes in Windhoek at unit 4, Reger Park. Individual

students purchase study materials from the IoB. Purchase of study materials is

compulsory. Although classes are optional, only students in possession of study

materials are allowed to attend day or evening classes.

Computing and Library Facilities

There is a library and computing facilities at the unit 4, Reger Park in Windhoek

Students are encouraged to use the computing facilities to enhance their computing

skills and competencies. Please do advance booking at the venue by completing the

computer use attendance sheet.

Examiners and Moderators

The examination paper is a product of knowledge, expertise and experience of both

the experienced bankers and lecturers from the University of Namibia, the

Polytechnic of Namibia and selected lecturers from the Universities in the Southern

African region.

Assessment

Each module shall be assessed through continuous assessment and a formal

examination at the end of each semester. Continuous assessment shall consist of at

least two written assignments and one three-hour examination paper shall be

written for each module at the end of each semester.

All assignments must be typed and submitted before or on the due date, envelopes

are available for students who are not residents of Windhoek. Assignments for

Windhoek students must be dropped in the applicable course boxes at the

IoB office, without using envelopes. Care must be taken to ensure the student

and course numbers appear in the top right hand corner of the cover page. No extra

marks are awarded for borders or coloured covers.

Handwritten and late assignments will not be accepted.

The final mark is made up the continuous assessment (40%) and examination

(60%). To qualify for examination, the student must have a minimum of 40% in

continuous assessment. A sub-minimum mark of 40% is required to pass the

examinations in each module. Students need to obtain an overall mark of 50% in

order to pass the module.

Supplementary Examination

Any student who fails to attend an examination must provide acceptable reasons

with supporting documents to the Students' Administrator of IoB within 72 hours

from the time when the said examination was written.

All students who obtains an average mark and an examination mark between 40%

and 49% in a module qualify automatically for supplementary examination at a fee

of N$ 250.00 per module.

Examinations

Examinations are written in May and October each year.

Examination Venues:

Windhoek; Otjiwarongo; Walvis Bay; Ongwediva; Rundu; Katima Mulilo;

Rosh-Pinah; Oranjemund; Karasburg and Mariental.

Certification and Awards

Upon the completion of the first year and second year, the Institute will award

students a certificate, and a diploma, respectively. After successfully completing

the programme, students will be awarded an Advanced Diploma in Banking,

Finance and Credit.

Awards are as follows:

• Certificate in year 1

• Diploma in year 2

• Advanced Diploma in year 3

•

Admission to the third year (advanced diploma) is not automatic.

The Institute reserves the right to admit or refuse admission if the student's

academic performance is not satisfactory. No student will be registered for

advanced diploma without successfully passing all the Certificate (year 1) and

Diploma (year 2) modules.

Termination of Studies

Termination of studies must be in writing and must be received before the start of

the semester and all books must be returned in usable condition.

The member remains liable for the annual administration fee in respect of the year

he/she terminates studies.

Graduation Ceremony

A Graduation ceremony for the successful Advanced Diploma shall be held in

December.

Examination Dates

Module 2014

Supplementary Mid year

2015 Supplementary

End of year

2015 Supplementary

Year 1 Semester 1 @ 08h00

1 Introduction to Financial Services and Products 15-Jan-15 12-May-15 22-Jun-15 19-Oct-15 13-Jan-16

2 Introduction to Credit and Consumer Lending 17-Jan-15 15-May-15 24-Jun-15 22-Oct-15 15-Jan-16

3 Introduction to Financial and Economic Concepts 20-Jan-15 19-May-15 26-Jun-15 27-Oct-15 18-Jan-16

4 Introduction to Financial Statements 22-Jan-15 22-May-15 29-Jun-15 30-Oct-15 20-Jan-16

Year 1 Semester 2 @ 11h30

5 Treasury Banking Practice and Operations 15-Jan-15 12-May-15 22-Jun-15 19-Oct-15 13-Jan-16

6 Credit Risk Assessment I 17-Jan-15 15-May-15 24-Jun-15 22-Oct-15 15-Jan-16

7 Credit Risk Management I 20-Jan-15 19-May-15 26-Jun-15 27-Oct-15 18-Jan-16

8 Business Management I 22-Jan-15 22-May-15 29-Jun-15 30-Oct-15 20-Jan-16

Year 2 Semester 3 @ 14h30

9 Principles of Banking 15-Jan-15 12-May-15 22-Jun-15 19-Oct-15 13-Jan-16

10 Principles of Business Finance 17-Jan-15 15-May-15 24-Jun-15 22-Oct-15 15-Jan-16

11 Principles of Financial Markets 20-Jan-15 19-May-15 26-Jun-15 27-Oct-15 18-Jan-16

12 Analysinq Financial Statements 22-Jan-15 22-May-15 29-Jun-15 30-Oct-15 20-Jan-16

Year 2 Semester 4 @ 08h00

13 Business Finance Principles and Practice 16-Jan-15 13-May-15 23-Jun-15 20-Oct-15 14-Jan-16

14 Banking Principles and Practices 19-Jan-15 16-May-15 25-Jun-15 23-Oct-15 17-Jan-16

15 Financial System 21-Jan-15 20-May-15 27-Jun-15 28-Oct-15 19-Jan-16

16 Principles of Investment 23-Jan-15 23-May-15 30-Jun-15 31-Oct-15 21-Jan-16

Year 3 Semester 5 @ 11h30

17 Banking II 16-Jan-15 13-May-15 23-Jun-15 20-Oct-15 14-Jan-16

18 Bank Lending II 19-Jan-15 16-May-15 25-Jun-15 23-Oct-15 17-Jan-16

19 Financial Markets II 21-Jan-15 20-May-15 27-Jun-15 28-Oct-15 19-Jan-16

20 Agricultural and Development Banking 23-Jan-15 23-May-15 30-Jun-15 31-Oct-15 21-Jan-16

Year 3 Semester 6 @ 14h30

21 Business Finance I 16-Jan-15 13-May-15 23-Jun-15 20-Oct-15 14-Jan-16

22 Credit Risk Assessment II 19-Jan-15 16-May-15 25-Jun-15 23-Oct-15 17-Jan-16

23 Credit Risk Management II 21-Jan-15 20-May-15 27-Jun-15 28-Oct-15 19-Jan-16

24 Business Management II 23-Jan-15 23-May-15 30-Jun-15 31-Oct-15 21-Jan-16

Time table of Activities

2014 Closing of IoB Office 12 December 2014

2015 Opening of IoB Office 07 January 2015

January 2015 Supplementary Examinations 15 January 2015

Registration and Distribution of Books for First Semester 2015

from 2 to 14 February 2015

2014 Graduation Ceremony 19 February 2015

Start of IoB Day and Evening Classes 23 February 2015

Due date for first assignment of the semester 13 March 2015

(No late assignments accepted)

Due date for second assignment of the semester 02 April 2015

Release of Assignment Marks 20 April 2015

Vacation Schools May 2015 27 April 2015

Mid-year Examinations 11 May 2015

Release of Examination Marks 08 June 2015

June 2015 Supplementary Examinations 15 June 2015

Registration and Distribution of Books From 06 to 18 July

2015

Release of Supplementary Examination Marks 06 July 2015

Start of IoB Day and Evening Classes 20 July 2015

Due Date for first Assignment of the semester 07 August 2015

(No late assignments accepted)

Due Date for second Assignment of the semester 28 August 2015

Release of Assignment Marks 14 September

2015

Vacation Schools 21 September

2015

October 2015 Examinations 19 October 2015

Release of Examination Marks 23 November 2015

2015 Graduation Ceremony 09 December 2015

Closing of IoB Office 11 December 2015

2016 Opening of IoB Office in 2016 06 January 2016

2016 Supplementary Examinations 14 January 2016

Summer and Winter School time Table Winter school Summer school

Module @ 08h00 @ 13h00 @ 17h30 @ 08h00 @ 13h00 @ 17h30

Year 1 / Semester 1

1 Introduction to Financial Services and Products

27-Apr 28-Apr 09-May 21-Sep 22-Sep 03-Oct

2 Introduction to Credit and Consumer Lending

28-Apr 27-Apr 08-May 22-Sep 21-Sep 02-Oct

3 Introduction to Financial and Economic Concepts

29-Apr 30-Apr 07-May 23-Sep 24-Sep 01-Oct

4 Introduction to Financial Statements

30-Apr 29-Apr 06-May 24-Sep 23-Sep 30-Sep

Year 1 / Semester 2

5 Treasury Banking Practice and Operations

27-Apr 28-Apr 05-May 21-Sep 22-Sep 29-Sep

6 Credit Risk Assessment I 28-Apr 27-Apr 04-May 22-Sep 21-Sep 28-Sep

7 Credit Risk Management I 29-Apr 30-Apr 02-May 23-Sep 24-Sep 26-Sep

8 Business Management I 30-Apr 29-Apr 01-May 24-Sep 23-Sep 25-Sep

Year 2 / Semester 3 9 Principles of Banking 01-May 02-May 30-Apr 25-Sep 26-Sep 24-Sep

10 Principles of Business Finance 02-May 01-May 29-Apr 26-Sep 25-Sep 23-Sep

11 Principles of Financial Markets 04-May 05-May 28-Apr 28-Sep 29-Sep 22-Sep

12 Analysinq Financial Statements

05-May 06-May 27-Apr 29-Sep 30-Sep 21-Sep

Year 2 / Semester 4

13 Business Finance Principles and Practice

01-May 02-May 09-May 25-Sep 26-Sep 03-Oct

14 Banking Principles and Practices

02-May 01-May 08-May 26-Sep 25-Sep 02-Oct

15 Financial System 04-May 05-May 07-May 28-Sep 29-Sep 01-Oct

16 Principles of Investment 05-May 09-May 06-May 29-Sep 03-Oct 30-Sep

Year 3 / Semester 5 17 Banking II 06-May 04-May 05-May 30-Sep 28-Sep 29-Sep

18 Bank Lending II 07-May 06-May 04-May 01-Oct 30-Sep 28-Sep

19 Financial Markets II 08-May 07-May 02-May 02-Oct 01-Oct 26-Sep

20 Agricultural and Development Banking

09-May 08-May 01-May 03-Oct 02-Oct 25-Sep

Year 3 / Semester 6 21 Business Finance I 06-May 04-May 30-Apr 30-Sep 28-Sep 24-Sep

22 Credit Risk Assessment II 07-May 08-May 29-Apr 01-Oct 02-Oct 23-Sep

23 Credit Risk Management II 08-May 09-May 23-Apr 02-Oct 03-Oct 17-Sep

24 Business Management II 09-May 07-May 27-Apr 03-Oct 01-Oct 21-Sep

Modules Modules Modules

Year 1 Semester 1 Year 2 Semester 3 Year 3 Semester 5

INTRODUCTION TO

FINANCIAL SERVICES

AND PRODUCTS

PRINCIPLES OF

BANKING

BANKING II

1 CASH MANAGEMENT AND CREDIT SERVICES

1 BANK ORGANIZATION 1 CHEQUES - THE PAYING AND COLLECTING BANKS

2 E-BANKING SERVICES 2 BANK CUSTOMERS AND

EARNINGS 2 WHAT IS BANKING?

3 CONSUMER PRODUCTS 3 CASH MANAGEMENT AND CREDIT

SERVICES 3 INVESTMENT BANKING

4 CONSUMER AND INTERNATIONAL BANKING SERVICES

4 E-BANKING SERVICES 4 BASIC BANKING TERMS

5 FINANCIAL PLANNING PRODUCTS 5 CONSUMER PRODUCTS 5 DUTIES OF BANK OFFICERS I

6 PRODUCTS AND SERVICES OFFERED BY FINANCIAL INSTITUTIONS

6 CONSUMER AND INTERNATIONAL BANKING SERVICES

6 DUTIES OF BANK OFFICERS II

7 FINANCIAL PLANNING PRODUCTS 7 FRAUD AND FINANCIAL CRIME

8 TRUST SERVICES AND DEPOSITS

PRODUCTS 8 PAYMENT SYSTEM

9 BANKS INVESTMENT IN

SECURITIES AND FUNDING ISSUES

9 CAPITAL ADEQUACY OF BANKING INSTITUTIONS

10 MEANING AND IMPORTANCE OF

COLLATERAL 10 FINANCIAL MANAGEMENT IN

BANKING

INTRODUCTION TO

CREDIT AND

CONSUMER LENDING

PRINCIPLES OF

BUSINESS FINANCE

BANK LENDING II

1 MEANING OF CREDIT 1 WHAT IS PROFIT 1 WHAT IS LENDING

2 UNDERSTANDING BASIC CREDIT TERMS

2 HOW TO MAKE PROFIT 2 LENDING AGREEMENTS AND RELATED TERMS

3 BASICS OF CREDIT AND RELATED TERMS

3 MEASUREMENT OF FINANCIAL SUCCESS

3 THE LENDING ENVIRONMENT

4 CREDIT ASSESSMENT PROCESS AND RELATED ISSUES

4 FOUR KEY FIGURES IN A BUSINESS

4 DEBTS AND RELATED TERMS

5 LOAN APPLICATION AND RELATED TERMS

5 WHY PRODUCE FINANCIAL STATEMENTS

5 DEFAULT AND RELATED TERMS

6 WHAT IS A BALANCE SHEET 6 BANKRUPTCY AND RELATED TERMS

7 WHAT IS AN INCOME STATEMENT 7 AIRCRAFT FINANCE

8 What IS A CASH FLOW

STATEMENT 8 BASICS OF MORTGAGE LOANS I

9 IMPORTANCE OF FINANCIAL

STATEMENTS 9 BASICS OF MORTGAGE LOANS II

10 SIGNIFICANCE OF FINANCIAL

RATIOS 10 REAL ESTATE INVESTMENT

INTRODUCTION TO

FINANCIAL AND

ECONOMIC

CONCEPTS

PRINCIPLES OF

FINANCIAL MARKETS

FINANCIAL MARKETS II

1 BASIC LIQUIDITY CONCEPTS 1 INTRODUCTION TO GLOBAL

FINANCIAL MARKETS 1 INTRODUCTION TO FINANCIAL

MARKETS

2 BASIC FINANCIAL CONCEPTS 2 FINANCIAL CONCEPTS 2 BOND RELATED CONCEPTS

3 TYPES OF FINANCIAL MARKETS 3 THE FINANCIAL LANDSCAPE 3 FINANCIAL SYSTEM ENVIRONMENT

4 SELECTED FINANCIAL TERMS 4 IMPORTANCE OF THE BANKING

INDUSTRY 4 READING THE INCOME STATEMENT

5 SELECTED ECONOMIC TERMS AND CONCEPTS

5 INVESTMENT INSTITUTIONS AND RETIREMENT FUNDS

5 READING THE BALANCE SHEET

6 ECONOMY AND SECTORS 6 REGULATION OF FINANCIAL

MARKETS IN SOUTH AFRICA 6 READING THE CASH FLOW

STATEMENT

7 MONEY MARKET INSTRUMENTS 7 ANALYSIS OF FINANCIAL

STATEMENTS

8 TIME VALUE OF MONEY 8 BASICS OF THE BOND MARKET

9 ANALYSIS AND INTERPRETATION

OF FINANCIAL STATEMENTS I 9 CUM INTEREST BONDS

10 ANALYSIS AND INTERPRETATION

OF FINANCIAL STATEMENTS II 10 EX INTEREST BONDS

INTRODUCTION TO

FINANCIAL

STATEMENTS

ANALYSING

FINANCIAL

STATEMENTS

AGRICULTURAL AND

DEVELOPMENT

BANKING

1 INTRODUCTION TO FINANCIAL STATEMENTS

1 FINANCIAL STATEMENT ANALYSIS: AN OVERVIEW

1 LEGAL FRAMEWORK FOR AGRICULTURAL BANKING IN NAMIBIA

2 BASIC ACCOUNTING CONCEPTS 2 READING FINANCIAL

STATEMENTS 2 AGRICULTURAL FINANCIAL POLICY

AND RISK MANAGEMENT

3 CLASSIFICATIONS OF FINANCIAL INDICATORS

3 INCOME STATEMENT ANALYSIS 3 PERFORMANCE OF THE AGRICULTURAL BANK OF NAMIBIA

4 READING THE FINANCIAL STATEMENTS

4 ANALYZING BALANCE SHEETS 4 AGRICULTURAL FINANCIAL STATEMENTS

5 USING DEBT RATIOS TO ANALYZE

FINANCIAL PERFORMANCE 5 AGRICULTURAL SECTOR IN NAMIBIA

6 CALCULATIONS AND

INTERPRETATION OF PROFITABILITY RATIOS

6 LEGAL FRAMEWORK FOR DEVELOPMENT BANKING IN NAMIBIA

7 CALCULATIONS AND

INTERPRETATION OF EFFICIENCY RATIOS

7 PERFORMANCE OF THE DEVELOPMENT BANK OF NAMIBIA

8 CALCULATIONS AND

INTERPRETATION OF LIQUIDITY RATIOS

8 APPRAISAL OF DEVELOPMENT PROJECTS

9 CALCULATIONS AND

INTERPRETATION OF FINANCIAL GEARING RATIOS

9 DEVELOPMENT FINANCE INSTITUTIONS OUTSIDE NAMIBIA

10 CALCULATIONS AND

INTERPRETATION OF SECURITIES MARKET RATIOS

10 ECONOMIC DEVELOPMENT

Year 1 Semester 2 Year 2 Semester 4 Year 3 Semester 6

TREASURY BANKING

PRACTICE AND

OPERATIONS

BUSINESS FINANCE

PRINCIPLES AND

PRACTICE

BUSINESS FINANCE I

1 BASIC LIQUIDITY CONCEPTS 1 INTRODUCTION TO FINANCE 1 TYPES OF FINANCE I

2 BASIC FINANCIAL CONCEPTS 2 THE FINANCE ENVIRONMENT 2 TYPES OF FINANCE II

3 BANK RUN AND LIQUIDITY POSITION

3 WHAT IS PUBLIC FINANCE 3 WHAT IS PUBLIC FINANCE?

4 LIQUIDITY RISK MANAGEMENT 4 SELECTED PROFITABILITY TERMS 4 WHAT IS PROJECT FINANCE?

5 FUNDING SOURCES: ASSETS AND LIABILITIES

5 SELECTED FINANCIAL TERMS 5 FINANCE RELATED QUESTIONS

6 TREASURY PRODUCTS 6 MONEY MARKET INSTRUMENTS

7 TREASURY OPERATIONS 7 SELECTED PROFITABILITY TERMS I

8 SENSITIVITY TO MARKET RISK 8 SELECTED PROFITABILITY TERMS II

9 INTEREST RATE RISK MEASUREMENT METHODS

9 SELECTED FINANCIAL TERMS I

10 SECURITIES AND DERIVATIVES 10 SELECTED FINANCIAL TERMS II

CREDIT RISK

ASSESSMENT I

BANKING

PRINCIPLES AND

PRACTICES

CREDIT RISK

ASSESSMENT II

1 WHAT IS CREDIT RISK 1 BANK ORGANIZATION 1 THE BUSINESS AND CREDIT ENVIRONMENT

2 BASIC CREDIT TERMS 2 IMPORTANCE OF MONEY IN BANKING

2 FINANCIAL PERFORMANCE INDICATORS OF THE COUNTERPARTY

3 BUSINESS LOANS AND BANK CUSTOMERS

3 BASICS OF BANKING 3 ASSESSING THE FINANCIAL PERFORMANCE OF THE BORROWER

4 ASSESSING LOAN APPLICATIONS OF A NEW BUSINESS

4 COMPOSITION OF BANK'S ASSETS 4 ANALYSING THE DEBT RATIOS OF A COMPANY

5 BUSINESS CREDIT ENVIRONMENT 5 COMPOSITION OF BANK'S LIABILITIES

5 CAPITAL STRUCTURE AND RELATED ISSUES

6 BANK LOANS BASICS 6 FUNDAMENTAL ANALYSIS I

7 REJECTIONS OF BANK LOANS APPLICATIONS

7 FUNDAMENTAL ANALYSIS II

8 ASSESSING FINANCIAL STATEMENTS

8 MARKET ANALYSIS I

9 MORTGAGE LOAN APPLICATION PROCESS I

9 MARKET ANALYSIS II

10 MORTGAGE LOAN APPLICATION PROCESS II

10 CREDIT ASSESSMENT PROCESS AND RELATED ISSUES

CREDIT RISK

MANAGEMENT I

FINANCIAL SYSTEM CREDIT RISK

MANAGEMENT II

1 DUTIES OF CREDIT RISK OFFICERS

1 FINANCIAL MARKET AND THE SYSTEM

1 DUTIES AND RESPONSIBILITIES OF A CREDIT MANAGER I

2 UNDERSTANDING LENDING PRODUCTS I

2 TYPES OF FINANCIAL MARKETS 2 DUTIES AND RESPONSIBILITIES OF A CREDIT MANAGER II

3 UNDERSTANDING LENDING PRODUCTS II

3 MONETARY SYSTEM 3 UNDERSTANDING BASIC CREDIT TERMS

4 BASICS OF CREDIT AND RELATED TERMS

4 BASIC MONETARY TERMS AND CONCEPTS

4 UNDERSTANDING BASIC DEBT TERMS I

5 UNDERSTANDING THE CREDIT ENVIRONMENT

5 GLOBAL FINANCIAL SYSTEM 5 UNDERSTANDING BASIC DEBT TERMS II

6 CREDIT POLICY AND THE ROLE OF CREDIT MANAGER

6 DUTIES OF CREDIT (OR DEBT) SPECIALISTS

7 CREDIT POLICY GUIDELINES 7 DEBT COLLECTION INSTRUMENTS

8 RISK GRADING 8 DEBT COLLECTION PROCESS AND REPOSSESSION

9 CREDIT FUNCTIONS I 9 DEFAULT JUDGMENT AND FORECLOSURE

10 CREDIT FUNCTIONS II 10 CREDIT RISK MANAGEMENT AND PROCEDURAL GUIDELINES

BUSINESS

MANAGEMENT I

PRINCIPLES OF

INVESTMENT

BUSINESS

MANAGEMENT II

1 BASICS OF A BUSINESS 1 INTRODUCTION TO INVESTMENT 1 BUSINESS MANAGEMENT TERMS

2 BASICS OF BUSINESS MANAGEMENT

2 BASICS OF INVESTMENT 2 BUSINESS MANAGEMENT RESPONSIBILITIES I

3 MANAGEMENT FUNCTIONS 3 FINANCE RELATED QUESTIONS 3 BUSINESS MANAGEMENT RESPONSIBILITIES II

4 WHAT IS BUSINESS MANAGEMENT?

4 INTEREST RATE CALCULATIONS 4 DUTIES OF BUSINESS MANAGERS

5 RESPONSIBILITIES OF SELECTED DEPARTMENTS

5 FINANCIAL ARITHMETIC 5 TYPES OF BUSINESS INDUSTRIES

6 DUTIES OF BUSINESS MANAGERS I

7 DUTIES OF BUSINESS MANAGERS 11

8 BUSINESS RISK MANAGEMENT

9 AUDITING OF BUSINESS OPERATIONS I

10 AUDITING OF BUSINESS OPERATIONS 11