& review courses - المعهد المصرفي...

Certificates & Review Courses

2013-2014Training Plan

Egyptian Banking Institute Certificates & Review Courses

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Banking & Finance Review Courses





Certified Islamic Professional Accountant (CIPA): Certification

Review CourseCertificate Hours: 81

Target Audience:The CIPA course is intended for accountants who currently work or aim to work in the field of Islamic banking and financial institutions.

Certificate Description:The CIPA certificate aims to provide a blend of theoretical concepts and practical applications to introduce the Islamic finance body of knowledge to the pool of professional accountants involved in the financial services industry, in addition to providing them with specialized knowledge in this area.

Certificate Objectives:• Explain the Islamic financial system• List the Islamic law and Shari’a standards for financial transactions• Identify the objectives and concepts of financial accounting for Islamic banks and

financial institutions• Explain the accounting standards• Identify the objectives and the principles of auditing and ethics for Islamic financial institutions

Certificate Outline:Module 1: The Islamic Financial System

• Introduction to Islamic financial system ethical practices• Deferred payment sale• Islamic financial services offered by conventional financial institutions

Module 2: Islamic Law and Shari’a Standards for Financial Transactions• Dealing in currencies• Debit card, charge card and credit card• Default in payment by debtor• Settlement of debts by set-off• Guarantees• Conversion of a conventional bank to an Islamic bank• Transfer of debts• Murabaha to the purchase order


• Ijarah and ijarah muntahia bittamleek• Salam and parallel salam• Istisna’ and parallel istisna’• Sharika (musharaka) and modern corporations• Mudaraba• Documentary credit• Jua’la• Commercial papers• Investment sukuk• Possession (qabd)• Qard (loan)

Module 3: Financial Reporting for Financial Transactions • Objective of financial accounting for Islamic banks and financial institutions• Concepts of financial accounting for Islamic banks and financial institutions• General presentation and disclosure of the financial statements of Islamic banks

and financial institutions• Disclosure of bases for profit allocation between owners’ equity and investment

account holders and their equivalent• Disclosure of bases for determining and allocating surplus or deficit in Islamic

insurance companies• Sale of commodities in organized markets• Financial paper (shares and bonds)• Disclosure of transfer of assets• Segment reporting• General presentation and disclosure in financial statements of Islamic insurance

companies

Module 4: Accounting Standards• Murabaha and murabaha to the purchase order • Mudaraba financing• Musharaka financing• Equity of investment account holders and their equivalent• Foreign currency transactions and foreign operations• Investment funds• Salam and parallel salam• Istisna’a and parallel istisna’a• Investments• Zakah• Ijarah and Ijarah muntahia bittamleek• Provisions and reserves • Provisions and reserves in Islamic insurance companies• Contributions in Islamic insurance companies


Module 5: Auditing, Governance and Ethics in Islamic Financial institutions• Objective and principles of auditing• The auditor’s report• Terms of the audit engagement • Testing by an external auditor for compliance with shari’a rules and principles• The auditor’s responsibility to consider fraud and error in an audit of financial

statements (new)• Shari’a supervisory board: appointment, composition and report• Shari’a review• Internal shari’a review• Audit and governance committee for Islamic financial institutions• Code of ethics for accountants and auditors of Islamic financial institutions• Code of ethics for the employees of Islamic financial institutions

Assessment Strategy:No final evaluation is required, as the participants will be directly examined through the CIPA institution.

Certificate Language:Arabic

Prerequisites:Bachelor degree of commerce

This certificate entitles you to attend:N/A


Certified Documentary Credit Specialist (CDCS): Certification

Review CourseCertificate Hours: 108 Certificate Code: 02019

Target Audience:This review course is intended for those who are working in the documentary credit and international trade fields and aim to become international practitioners.

Certificate Description:CDCS is the professional certification that demonstrates specialist knowledge of, and ability to apply, the skills required for competent practice in documentary credits. This certificate is endorsed by the International Chamber of Commerce.

Certificate Objectives:• Identify documentary credit groups, types, parties, and risks.• List the characteristics of documentary credits.• Apply and practice documentary credit procedures.• Differentiate between financial and commercial documents.• Demonstrate knowledge of the international chamber of commerce rules.

Certificate Outline:Module 1: Documentary Credit Groups

• Types and uses of documentary credits – Commercial and standby documentary credits

• Parties of documentary credits: roles, responsibilities and risks – Roles and responsibilities of:

о Applicant and beneficiary о Issuing bank, advising bank, nominated bank, confirming bank, reimbursing bank

– Risks о Credit о Foreign exchange о Fraud о Legal о Political

• Types of payment – Sight payment – Deferred payment – Acceptance – Negotiation


Module 2: Characteristics of Documentary Credits• Transferable documentary credits • Revolving documentary credits • Red clause and green clause documentary credits

Module 3: Operations • Processes

– Issuance – Pre-advise – Advise – confirm – Amend – Transfer – Presentation – Examination – Payment and rejection – Claim – Reimbursement – Cancellation

• Related products and terms – Letter of indemnity – Airway release – Maritime letter of guarantee – Assignment of proceeds – Inco-terms

Module 4: Financial and Commercial Documents• Draft / bill of exchange• Commercial invoice • Transport documents • Insurance documents • Certificate of origin• Packing and weight lists • Other documents

Module 5: International Chamber of Commerce Rules• Uniform customs and practice for documentary credits – UCP 600• International standard banking practice – ISBP 681• Electronic uniform customs and practice for documentary credits – e.UCP• Uniform rules for bank-to-bank reimbursement – URR 525• International standby practices – ISP 98


Assessment Strategy:No final evaluation is required, as the participants will be directly examined through the IFS institution.

Certificate Language:English

Prerequisites:• It is recommended that candidates have a minimum of three years documentary

credit and international trade finance experience, or• Satisfactory completion of the “Examination of Documents Presented under

Documentary Letters of Credit - Case Studies” (02010) course , and • Good command of English

This certificate entitles you to attend:N/A


Certified Management Accountant CMA: Certification Review Course

Target Audience:This review course is tailor-made for finance professionals at all levels, whether you want to enhance your value to your current organization or expand your career potential.

Course Description:This review course is the advanced professional certification specifically designed to measure the accounting and financial management skills that drive business performance. Achieving the CMA credential demonstrates your mastery of financial planning, analysis, control, and decision support, as well as professional ethics.

Course Objectives: By the end of part 1 the participants will be able to:

• Prepare budgeting, planning and forecasting• Define performance measurement• Make cost management• Assess internal controls• Apply professional ethics

By the end of part 2 the participants will be able to:• Analyze the financial statement• Measure corporate finance• Make decision analysis and risk management• Determine investment decisions• Apply professional ethics

Certificate Outline:Part 1: Financial Planning, Performance and Control:

• Planning, budgeting, and forecasting• Performance measurement• Cost management• Internal controls• Professional ethics

Part 2: Financial Decision Making :• Financial statement analysis• Corporate finance • Decision analysis and risk management• Investment decisions• Professional ethics


Prerequisites• Bachelor’s degree from an accredited college or university• Foundational knowledge of economics, basic statistics, and financial accounting • Two continues years of professional experience

Course Language English.

Assessment StrategyNo final evaluation is required, as the participants will be directly examined through the Institute of Management accountants (IMA).

Banking & Finance Certificates





Bank Lawyer CertificateCertificate Hours: 150 Certificate Code: 05007

Target Audience:The bank lawyer certificate is intended for those who work within bank legal departments.

Certificate Description:The bank lawyer certificate is designed to prepare lawyers working in the banking system to be aware of the objectives and role of the legal affairs department and other internal departments and branches in the banking system and external authorities. Lawyers will also acquire knowledge of banking operations from the legal perspective and learn the basics of the banking laws.

Certificate Objectives:• Describe the bank legal affairs department and its structure.• Discuss the legislative development of the banking and credit laws.• Describe the banking operations from the legal perspective.• Define commercial paper and discuss the check law.• Define the trade law provisions.• Apply the legal procedures in the process of credit decision making.• Identify the different types of guarantees for credit facilities.• Identify the main principles of the laws related to banking operations.• Explain the legal terms of mortgage finance and securitization • Identify the different tax laws concerning banking operations.• Explain bankruptcy and insolvency• Discuss arbitration and ADR.• Identify the crimes related to banking operations.

Certificate Outline:Module 1: The Bank Legal Affairs Department

• The bank legal affairs department & its structure• The relationship between the legal department and the other internal bank

departments and branches

Module 2: The Central Bank and Credit laws• Legislative development of the banking and credit laws• The principal foundations of the central bank, financial system and monetary law

No.88 of 2003


Module 3: The Legal Perspective on Banking Operations• Legal perspective of the banking operations, according to Trade Law No. 17 of 1999• Deposit• Safe rental• Bank transfers• Current account• Documentary credit• Ordinary credit• Instruments• Discount (deduction)• The letter of guarantee• Transfer of debt

Module 4: Commercial Paper and the Check Law• Commercial paper (bill of exchange – promissory note)• The check law and its limitations

Module 5: Trade Law Provisions• Key provisions in the trade law

Module 6: Legal Procedures of Credit Decision Making• The legal aspects in the credit decision making process • The legal procedures for granting credit

Module 7: Guarantees of Credit Facilities• Assignment of rights and relinquishing of clients right with third parties? • Mortgage lending • Credit guaranteed by a third party • Credit with possessory lien

Module 8: The Main Principles of the Laws Related to Banking Operations• Companies Act 159/1981, and individual companies under trade law• Public Sector Companies Act 203/1991• Capital Market Authority Act 95/1992• Deposit Law and Central Registration of Securities Law 93/2002• Anti-money Laundering Law 80/2002• Electronic Signature Law 15/2004• Law of Guarantees and Investment Incentives 8/1997• Labor Law 12/2003

Module 9: Legal Aspects and Retail Banking Services• Loans• A variety of banking services to individuals• Securitization and mortgage finance legal aspects


Module 10: Different Tax Laws• Stamp tax on banking documents• Income tax law• Sales tax law

Module 11: Judicial Procedures against Bankruptcy and Relevant Legal Claims• Judicial procedures to defend bank rights• Bankruptcy and insolvency• Civil procedures• Criminal procedure

Module 12: Arbitration and Alternative Dispute Resolution (ADR)• Arbitration and ADR in banking disputes

Module 13: Banking Operations Crimes• Crimes related to banking operations

Assessment Strategy:Every three modules participants will sit for a comprehensive test.

Upon successful completion of this certificate, participants will obtain: 11.2 Quarter Credit Hours


Prerequisites:Participants should have a minimum of two and a maximum of ten years of legal experience.


Credit CertificateCertificate Hours: 255 Certificate Code: 01023

Target Audience:This credit certificate is intended for credit department and financial institution employees, such as junior credit officers and portfolio and relationship managers.

Certificate Description:The credit certificate provides participants with the fundamentals of accounting and financial statements. It also enables them to understand lending techniques for effective credit decisions as well as other techniques involving risk of trade operations from a credit perspective. Moreover, it gives the candidates perspective on the legal issues that govern the scope of credit activities. It is worth noting that EBI is applying up to date instructional methods; among them is Trial Desk, which allows participants to successfully complete the final desk based on real case studies.

Certificate Objectives:• Prepare a financial statement analysis• Describe how to take a credit decision, through industry analysis, financial statement

analysis, cash flow statement analysis, projections and lending rationales• Identify the international trade services, documentary credits and letters of guarantee• Identify the different financial institutions and the elements of bank risk appraisal• Explain the advantages and limitations of the implementation of Basel II• Explain credit risk ratings and discuss how to manage credit risk• Prepare a credit facilities report• Identify the role and function of credit administration• Explain the banking information duties and responsibilities• List the legal aspects and regulations of credit and finance• Detect non-performing loans and discuss how the bank handles them

Certificate Outline:Module 1: Accounting

• Conceptual framework• Financial statement presentation• Net profit for the year• Time value of money - fundamentals• Assets and related issues• Investments in debt and equity securities (current and long-term)• Accounting treatment of unusual issues• Financial statement analysis


Module 2: Core Credit • Industry analysis

– Introduction to types of industry – Industry risk characteristics

• Financial statements analysis – Introducing the financial statements – The asset conversion cycle – Evaluating asset management efficiency – Evaluating profit performance – Evaluating financial risk

• The fact sheet• Cash flow statement mechanics and analysis

– Introduction to cash flow statements – Mechanics of the cash flow statements – Debit servicing ability

• Cash flow projections – Introduction to term lending and cash flow projections – Constructing projections

• Lending rationales – The asset conversion lending rationales – Asset protection lending – Subordinations

Module 3: Trade Finance• International trade history • International Chamber of Commerce history • SWIFT (Society for World Wide Interbank Financial Telecommunication) organization

and messages • Shipping documents• International payment tools• Documentary credits• International commercial terms (INCOTERMS)• Letters of guarantee

Module 4: Financial Institutions• Economic background• Correspondent banking and trade finance services• Correspondent banking and sovereign credit assessment• Elements of bank risk appraisal (financial institution group)• Bank and country risk• Origins of bank failure


Module 5: The Basel II Agreement• Introduction to Basel II• The first pillar - minimum capital requirements• The second pillar - supervisory review process• The third pillar - market discipline • The advantages and limitations of the implementation of Basel II

Module 6: Risk Rating (Obligor Risk Rating) • Conceptual framework• Credit risk ratings and loan provisioning• Credit risk management

Module 7: Report Writing and Facility Structure• Overview of credit facilities: types and structure• Credit report writing• How to prepare a credit report and what to include

Module 8: Credit Administration• The role and function of credit administration• Types of credit facilities• Fully secured credit facilities• Types of collateral

Module 9: Banking Information• Introduction to banking information• The banking information department• Banking information department duties and responsibilities

Module 10: Legal Aspects • Definition of the legal aspects of credit and finance• Credit facilities and loan regulations• Rights and duties of the bank and bank staff• Electronic credit and finance

Module 11: Non-Performing Loans • Introduction to non-performing loans• The indicators of the non-performing loan• The banking treatment of non-performing loans• The banking treatment of non-performing investment projects• Monitoring rescheduled non-performing loans• Managing non-performing loans• The principles of borrower credit ratings and provisioning• Legal aspects of working with non-performing loans• Lessons learned from classified loans


Trial DeskA desk taker will discuss each group findings and give recommendations.

Assessment Strategy:Participants will be assessed based on the following:

• Post Tests:Participants will sit for an exam at the end of each module.

• Final desk (Real Case Studies):Each participant will be assigned to analyze a real case study alone. A desk taker will discuss his/her findings and he/she will be graded based on their analytical presentation skills.

Upon Successful Completion of this Course, participants will obtain: 20 Quarter Credit Hours

Certificate Language:Arabic/ English

Prerequisites:Good command of English


New Trends of Internal Audit in Banks

Certificate Hours: 100 Certificate Code: 04054

Target Audience:All employees of supervision, inspection and internal audit departments

Certificate Description:Identify the fundamental determinants of the internal control system in the light of instructions issued by the Basel Unit of the Control and Supervision Sector of the Central Bank of Egypt.

Certificate Objectives:• List the fundamental determinants of the audit system in light of Basel Accord• Explain how to inspect departments and branches of the bank using the risk approach• Identify the compliance unit and the responsibilities of senior management• Define check provisions and the mandatory conditions to be met in the check• Explain the legal aspects of banking operations and credit• Apply case studies on anti-money laundering

Certificate Outline:Module 1: Fundamental determinants of the audit system in light of Basel AccordFirst: Assessing risks in banks

• Credit risks• Operational risks• Market risks• Concentration risks• Risks of bank portfolio return rate for retention

Second: Banks’ governance• The concept of governance• Board of directors’ responsibilites• Assess the board of directors’ eficiency• Board’s committees• The relation between the board and senior management• Disclosure and transparency• The relation between the board and shareholders

Module 2: Inspection on the departments and branches of the bank using the risk approach


First: Inspection using the risks’ approach• Assess the bank’s risk management systems• Assess the bank’s internal control systems• Assess the credibility and quality of financial reports in banks• Ensure that the bank’s assets are registered in accordance to the fair value

Second: The system of measuring and assessing risks• Evaluate the loan portfolio• Assess bank employment portfolio • Assess the investments portfolio

Third: Qualitative assessment of credit risk• Assess the role of credit departments in companies, small and medium interprizes

and retail banking• Assess the role of credit risk management• Assess the role of credit follow-up department• Assess the work strategies and procedures of credit and investment• Assess the credit scoring system• Assess the reporting system of the credit process

Module 3: Compliance unit• The concept and importance of the compliance function• Organize the compliance function• The responsibilities of senior management and executive management commitment

towards compliance• The independence of the compliance officer• The scientific and practical training of the compliance officer• The compliance unit database• The relationship between internal audit and the compliance unit• The practice of activities beyond borders• Using technical support companies (Outsourcing Co.)

Module 4: Check LawFirst: Definitions

• Define checks, promisory note, bill of exchange and consignment• The compulsory data or conditions included in a check• Data or conditions that might be included in a check

Second: Types of checks and their governing rules• The mandatory conditions of checks validity• Rules of objection and withholding payment• Check forgery, or data changing and the responsibility of the drawee bank• Falsification of checks’ liability• Endorsing checks• Invalid checks• Accredited checks


Third: Aspects of criminal responsibility and civil liability• Check crimes (issuance or endorsement)• Checks related penalties (original and subsidiary)• The criminal liability of bank employees for violating the in-force checks’ law• The amendments of the new checks’ law

Fourth: Case studies• Different case studies related to checks• The legal procedures of criminal and civil lawsuits related to checks

Module 5: The legal aspects of banking operations and credit First: General legal principles

• Legal capacity• Donations• Guardianship and legal custodianship• The legal requirements in dealing with minors• Distribution of inheritance• Types of companies working in Egypt• The importance of accounts’ confidentiality

Second: Overview of banking transactions• Deposits• Notes • Iron safes• Bank transfers• Selling and buying securities

Third: The guidelines for granting credit facilities and loans• The legal aspects of loan agreements, credit facilities and credit guarantees• The legal status of clients• Credit-related queries• The legislative constraints and rules that govern the credit decision• Wieghing credit against guarantee• Credit contract• Guarantees and documents

Module 6: Anti-money laundering – case studies• Case studies

Assessment Strategy:Participants will sit for a written exam by the end of the certificate

Upon successful completion of this certificate, participants will obtain: 8.2 Quarter Credit Hours


Prerequisites:None

Performance Management Certificates





The Professional Office Manager Certificate


Target Audience:Technical and administrative staff with minimum 10 years of experience

Certificate Description:By attending this certificate, you will expand your professionalism and develop your career. You will also build on your abilities and keep your boss and team functioning as efficiently as possible. Bring to the sessions your challenges and with other delegates and course instructors you will reach alterative solutions.

Certificate Objectives:• Identify roles and attributes of office managers • Explain various fundamental secretarial functions• Communicate effectively with a range of people using different methods and media • Determine different business writing skills• Apply distinguished management and business skills at the workplace

Certificate OutlinePart I: Introductory Session

• Types of support staff• Difference between:

– Secretary – Personal assistant – Executive secretary – Office manager – Department manager – Administrative coordinator

• Attributes that managers expect in secretaries

Part II: Fundamental Secretarial FunctionsModule 1: Planning and Organizing Organizing a Smooth-running Office:

• Tools and concepts of time management for yourself and your manager – A master plan to keep your boss’s calendar up-to-date – New generation of time management.

• Coordinating travel arrangements – Planning an executive’s business trip from start to finish

• Effective meeting coordination – Planning and organizing a business meeting from start to finish – Writing meeting minutes


Module 2: Support Functions:• Filing strategies and techniques• Choosing the best filing system for your organization needs according to

international standards – Filing systems – Filing Procedure – Best filing rules to learn

• Managing the flow of office information – Incoming correspondence – Outgoing correspondence

• Handling visitors professionally(external visitors) – Types of visitors – Introducing and meeting visitors according to professional standards – Handling a complaining visitor

• Professional telephone manner – Becoming a super service provider on the phone – Dealing with difficult phone callers – Telephone Etiquette

Module 3: Personal Attributes:• Establishing and maintaining good working relationships (internal customers)

– Types of co-workers – Criticism from managers and co-workers – Delegation to Co- worker and Subordinates

• Office stress (identifying-causes-coping)• Office pressure and handling conflicts• Code of ethics for an office manager

Module 4: Business Etiquette and Professional Image:• Etiquette of Workplace • Effective communication utilizing etiquette

– Verbal – Vocal – Visual

• Professional Image• Ethical Behavior with Internal and External Customer


Part III: Communication and Listening:• The Communication Process• Barriers to Communication:

– Judgment/perception – Verbal and none verbal communication

• Distractions• Behavioral Factors in the Communication Process• Formal and Informal Communication• Communication Options• Listening Skills in the Communication Process

Part IV: Business Writing Skills:• Preparing yourself for writing

– Coping with writing anxiety – Startup strategies – Tone in business writing

• Effective business writing skills – Types of readers – Principles of good writing – The “You” attitude

• Editing and revision (the four Cs) – Complete and correct – Concise – Clear

• Business documents (letters-e-mails-memos) – Types and samples – applications – E-mail writing and etiquette – Reports

Part V: Beyond Secretarial Skills:Module 1: Management Skills to Manage Change

• Putting your skills to work – Delegation – Negotiation – Initiative management – Relationship and self - management


Module 2: Presentation Skills• Presentation skills inventory

– Opening – Organization – Content – Close – Visuals – Connecting with the Audience – Eye contact – Gestures – Voice Control – Enthusiasm

• Power point preparation – Utilizing power point in presentations

Module 3: Problem Solving • Introduction • What are Problem Solving (PS) and Decision Making (DM) • The PS & DM processes • Creative tools for PS & DM

Assessment Strategy: Participants will be formally assessed based on discussions, group activities, individual assignments and final test

Upon Successful Completion of this Certificate, Participants will Obtain: 8.2 CEUs


Prerequisites:Intermediate level of English language proficiency


Training For Employment: Principle of Banking Certificate


Target Audience:Undergraduates and fresh graduates aiming to join the banking field.

Certificate Description:The certificate provides participants with an overview of banking with an introduction to the financial and banking sector through an explanation of the roles and services provided by banks; also they will gain knowledge about the code of ethics which affects the banking sector. In the meantime, the certificate will provide participants with some basic skills in sales and customer services. Finally, the participant will learn how to write professional curriculum vitae.

Certificate Objectives:• Explain the development of the banking sector• List the concept and definitions of the customer service• List the different bank accounts and types of deposits• Discuss the legal aspects of commercial paper and the clearing settlements • List the various operations of retail banking• Define basic communication skills• Explain the basics for the analysis of credit and finance• Explain the concepts of SME Banking and tools of finance • Explain foreign trade operations• Demonstrate professional Writing through CV and Interview skills• Discuss Business Awareness: Written Communication, Etiquette at Workplace, and

Presentation Skills

Certificate Outline:Module 1: Development of the Banking Sector

• The evolution of the Egyptian banking system and types of banks• The role of the Central Bank of Egypt• Prototype bank structure

– Main functions – Support Functions


Module 2: Introduction to Customer Service Concepts and Definitions • Definition of quality customer service• Why do organizations care about customer service?• Statistics on customer service• The customer service department structure• Service quality measures• The attitude and quality of customer service representative• The positive and negative points when contacting with customers

Module 3: Bank Accounts and Deposits • The importance of bank deposits• Types of bank accounts

– Current accounts – Savings – Time deposits – Demand accounts

• Bank transfers – Correspondent relationships – Foreign exchange – Foreign exchange – buying and selling – Incoming and outgoing transfers – Bank drafts and traveler’s checks

Module 4: The Legal Aspects of Commercial Paper and Clearing Settlements • Definition of commercial papers • Types of commercial papers• The bill of exchange• Checks (according to the trade law)• Promissory notes• Data necessary for commercial paper • Methods for trading commercial paper

– Handling – Endorsement

• Testing non-payment • Portfolio of commercial paper• The basic principles for dealing with commercial paper• Stages of collecting commercial paper• Credit guaranteed by commercial paper• Defining the clearinghouse• Electronic clearing • Development of the clearing house located in the Central Bank of Egypt


Module 5: Retail Banking Operations • What is retail banking?• Retail banking products• Definition of electronic banking operations• New retail products and services• Electronic payment methods• Banking by phone

Module 6: Basic Communication Skills• The Meaning of Communication

– The communication process – Communication barriers – Verbal, vocal and visual elements in face to face communication – Geri’s Game (movie) – Courtesy and etiquette

• Listening for Power – The importance of listening to customers – Risks and consequences of not listening – Exercise: Are you a good listener? – Hearing versus listening – Effective listening techniques

Module 7: Credit and Financial Analysis • Role of banks• Financial statements• Elements affecting credit• Overview of loans and credit facilities• Types of loans and credit facilities• Types of collateral• Steps to credit implementation • Evaluating projects and feasibility studies

الجزء الثامن: ماهية تمويل المشروعات الصغيرة و المتوسطة واألدوات المتاحة للتمويلأهم المؤشرات االقتصادية الداعمة لتمويل المشروعات الصغيرة والمتوسطة المفاهيم المختلفة وخصائص المنشآت الصغيرة والمتوسطة وريادة األعمال التنوع في الخدمات المصرفية وربحية الخدمات المصرفية للمشروعات أدوات التمويل المتعددة للمشروعات الصغيرة والمتوسطة

Module 9: Foreign Trade Finance Operations • Definition of terms of payment in foreign trade• Letters of credit (L/Cs )

– Definition – Types of letters of credit

• Letters of guarantee (L/Gs)• Foreign trade instruments


Module 10: Professional Writing through CV and Interview Skills • Writing a professional CV• Managing your career through a successful interview

Module 11: Business Awareness: Written Communication, Etiquette at Workplace and Presentation Skills

• Effective business writing – Business documents (Letters, E-mails, Memos) – Effective business writing skills – Preparing yourself for writing – Editing and revision (The four C’s)

• The art of etiquette in the workplace – Etiquette in the workplace – Professional image – Handling customers and clients

• Presentation skills – Introduction to presentation skills – Steps in preparing a presentation – Do’s and Don’ts in preparing your presentation

Assessment Strategy:Participants will be assessed formally through a final test covering all technical areas, and through in-class demonstrations and activities in the nontechnical areas

Upon Successful Completion of this Certificate, Participants will Obtain: 8.2 CEUs

Certificate Language:This certificate is delivered in English except for module 8 which is delivered in Arabic

Prerequisites:• Enrolled or graduate of a governmental university• Grade “Good” in his overall score for graduates or the college year of enrollment • Elementary Level in the English Language Proficiency• Evidence of extra curricula activities

Small & Medium Enterprises Certificates





SME Banking CertificateCertificate Hours: 116 Certificate Code: 11036 Target Audience:Bankers with current or potential SME responsibilities

Certificate Description:The SME banking certificate will enable bankers to get acquainted with the whole package of success application to enhance success to finance for SME. Such program includes the essential parts of planning techniques, marketing philosophy and selecting the appropriate product development to fulfill the requirements of SME with respect to international best practices for operations and risk management.

Certificate Objectives:• Understand the importance and techniques of strategic planning• Apply operational setup for SME banking unit • Define SME customers’ product needs and get acquainted with successful clients’

product management • Identify tools of marketing and delivering SME products and services • Determine major risk and how to mitigate it in SME banking

Certificate Outline:Module 1: Strategic Planning for SME Banking

• Definition and Segmentation of the SME Market • Introduction to the Strategic Planning Process • Main Components of a Strategic Plan • Main Components of a Business Plan • Tips for Successful Planning

Module 2: Operational Setup for SME Banking• The operating model• The work flow • From theory to implementation

Module 3: Product Development for SME Banking

• Introduction to Project management• Product/Service Segmentation and Targeting • New products, Services Development and Design for SME Banking.• Building a Competitive Product & Service Range for SME Banking.• Key Success Factors for SME Product Development (workshop)


Module 4: Marketing and Delivery Channels for SME Banking• SME market size • Market potential and marketing mix• Structuring SME sales efforts • SME information technology • The profile of an entrepreneur and SME client education

Module 5: Risk Management for SME Banking

• Background trends in risk management (RM)• SME banking RM – The difference• SME banking RM – The tools• SME banking RM – Making it happen

Module 6: International ExposureA study tour will be organized to one of the advanced countries in the SME Banking who do apply SME international best practices. Learned lessons and success stories will be adopted to the Egyptian environment.

Assessment Strategy:Participants will be assessed based on participation (interaction and group exercise) and an individual assessment through a written test after each module. Participants will also be required to submit a project in one of the designated areas of study that will be presented and assessed by a panel of SME Banking experts.

Upon Successful Completion of this Certificate, participants will obtain:9.2 CEUs


Prerequisites:• Minimum three years of banking experience• Prior credit and financial analysis training available at EBI or equivalent from

another reputable training institute • Good command of English

Certificates & Review Courses