Concept

Module 0

Introduction

Module 1

Family budget management

Module 2

Basics of financial decision-making: Financial instruments, characteristics, core variables and decision criteria

Module 3

Financial decision-making by entrepreneurs, businesspersons and professionals

Module 4

The psychology of financial decisions

Module 5

The interpretation of economic-financial information

Module 6

The quantification of the economic financial information

Module 7

The role and functions of the financial system

Module 8

The digital transformation process

Module 9

The legal framework

Module 10

The use of means of payment

Module 11

Deposits

Module 12

Loans and credit facilities

Module 13

Fixed income

Module 14

Equity securities

Module 15

Collective investment undertakings

Module 16

Retirement products

Module 17

Other financial products and services

Module 18

Exercises

Concept

A bank deposit is a contract under which a person (depositor) delivers a certain amount of money (deposit) to a bank (depository) that undertakes the obligation to return it in accordance with the conditions stipulated in the contract.

In exchange for the safekeeping of their funds, the depositor pays the previously agreed commissions and / or, where appropriate, receives a remuneration from the depository through the application of an interest rate.

The depository may freely allocate the funds received to loans. The process described here is included in the following diagram:

Payment services through banking institutions

Demand deposits

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