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Banking and Regulation (MSc Finance)

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With the Banking and Regulation track you study how banks make lending and investment decisions, and the broad challenge of managing macroeconomic risk through regulation and supervision of banks. This track is one of 7 tracks you can opt for in our Master's in Finance.

Help financial institutions prepare for future developments

Banks play an important role in our economy. The recent crisis has taught us a lot about the challenges that these institutions and their regulators face. How should banks’ lending and investment activities be managed, to balance bank profitability with systemic risk? What is the primary purpose of banks in evolving financial markets? How can the banking sector be optimally regulated?

The Banking and Regulation track provides you with the theoretical foundation to analyse these key issues and formulate your own motivated opinions on developments in banking, risk management, ethics, and financial regulation. 

If you are interested in pursuing a career in bank lending or risk management departments, or in government and central bank positions, this is the track for you.

Why choose the Banking and Regulation track?

  1. Beside the 6 general courses of the MSc Finance in your curriculum, you will have 4 courses with focus on risk management and developments in banking.
  2. You will be lectured by professors and experts working in a wide range of financial organisations and fields. Therefore, you have access to up-to-date cases and learnings from the field of financial regulations and banking.
  3. After graduation, you have an excellent job prospect at e.g. regulatory agencies at the national and transnational levels.
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Track-specific courses

Apart from the 6 general courses of the full programme, you will follow 4 track-specific courses and electives.

  • Banking

    In this course you will research, analyse and discuss a wide range of topics that define the field of banking today. The particular focus will be on the recent financial crisis and its consequences. Topics include: major risks faced by banks, spot lending and asymmetric information, credit rationing, syndicated loans, off–balance sheet banking, risk management techniques such as Value-at-Risk (VaR), financial fragility, bank runs, and bank regulation.

  • Financial Regulation

    In this course you will cover the economic foundations for financial regulation and prudential policy. It offers you a guide to the evolving micro-prudential legislation targeting structural vulnerabilities associated with bank intermediation. You will learn to understand the formal rules, but also the spirit of novel regulatory approach, indispensable to appreciate future countercyclical policy.

  • Mandatory electives, semester 2

    Choose 2 out of 3 courses:

    • Behavioural Finance
    • Corporate Restructuring
    • International Corporate Finance
    • Advanced Risk Management

Real-life case: Run on DSB bank in October 2009 

DSB, named for its founder Dirk Scheringa, was famous in the Netherlands for its sponsorship of football champions AZ, but mostly for its cutting-edge loans, mortgages and connected insurance policies. During the Financial Crisis, it experienced a run by depositors following a call from a consumer group to pull money out of the controversial institution. The Dutch government decided against nationalising the failing bank; it was not considered too big to fail. What was the impact of DNB’s failure on its deposit holders? Did government policy help insure clients? What was the governance structure of DNB, and did that play a role in its demise? These issues and more are discussed in class.

Contemporary issues

  • Basel IV and related regulations: What are the implications for bank capital holdings and the cost of market-making services? How will recent regulatory changes affect bank profitability and business models?  
  • The term structure of interest rates at the zero lower bound: Many banks are now charged fees (in the form of negative interest rates) to hold reserve funds. How does this affect bank financials and risk-taking?
  • FinTech and new lending platforms: How do the challenges faced by peer-to-peer lenders compare to traditional banks? How much FinTech innovation is in response to recent regulatory changes? What are the implications of blockchain and cryptocurrencies for lending and financial services?

Career prospects

Graduates of the Master's in Finance/Banking and Regulation track have excellent job prospects for positions at regulatory agencies at the national and transnational levels, or in banking and consulting at Dutch or international companies, such as:

  • ING
  • ABN AMRO Bank
  • Rabobank
  • Central Banks
  • Authority of Financial Markets
Facts & Figures
Degree programme MSc
Mode Full-time
Credits 60 ECTS ECTS, 12 months
Language of instruction English
Starts in September
Location Roeterseiland campus