Hello, Banking & Finance Academy members! Where do banks get the money they use to provide loans, purchase investments, process payments and support daily operations? Our new lesson explains the six major sources of bank funding: ✅ Customer deposits ✅ Shareholders’ equity ✅ Retained earnings ✅ Interbank borrowing ✅ Wholesale funding ✅ Central-bank facilities You will also learn why deposits are bank liabilities, how equity absorbs losses, why short-term borrowing can create refinancing risk and how banks evaluate funding based on stability, maturity, cost and diversification. The central framework is: STABLE SOURCES + SUITABLE MATURITIES + SUSTAINABLE COST + ADEQUATE DIVERSIFICATION The complete step-by-step lesson, case study, knowledge check and practical assignment are now available in the Classroom. After completing the lesson, answer this question in the comments: Which funding risk should banks prioritize most—instability, maturity mismatch, concentration or excessive cost? Why? Study the lesson, share your perspective and respond to another member’s contribution. MANAGE BOTH SIDES—THINK LIKE A BANKER.

Hello, Banking & Finance Academy members! A new step-by-step lesson is now available in the Classroom. In this lesson, you will learn about: ✅ Retail banks ✅ Commercial banks ✅ Investment banks ✅ Cooperative and mutual banks ✅ Development banks ✅ Central banks ✅ Digital and specialized banks You will also discover how to compare banks by examining their customers, funding sources, activities and risks. 👉 Visit the Classroom and start the lesson today. After completing it, share your answer in the comments: Which type of bank has the greatest influence on your daily financial life, and why?

Hello, for all who are interested please join me on August 10 in San Jose Jose.

Hello, Banking & Finance Academy members! Our new lesson explains the core functions that allow banks to support customers, businesses and the wider economy: ✅ Accept deposits ✅ Allocate credit ✅ Process payments ✅ Safeguard assets ✅ Manage trustworthy information ✅ Connect financial markets ✅ Support business and trade The complete step-by-step lesson is now available in the Classroom. Access it today, study each function and share your key takeaway in the comments. Understand the function—think like a banker.

Hello, Banking & Finance Academy members! Have you ever wondered how money deposited by savers helps finance homes, education, business inventory and equipment? In this lesson, we examine how banks connect people and institutions with surplus funds to households and businesses requiring finance. You will learn how banks: • Pool funds from many depositors • Assess borrowers and credit risk • Transform short-term deposits into longer-term finance • Reduce information and transaction problems • Manage liquidity and funding mismatches • Monitor borrowers after providing finance Our central framework is: POOL FUNDS → ASSESS RISK → PROVIDE FINANCE → MANAGE LIQUIDITY → MONITOR REPAYMENT Let’s discuss the lesson: 1. Why might a saver prefer depositing money with a bank instead of lending directly to a business? 2. What is the difference between a surplus unit and a deficit unit? 3. Why is a customer deposit a liability for the bank? 4. Why is a loan considered an asset for the bank? 5. What risks arise when banks use short-term deposits to provide long-term loans? 6. How do credit analysis and borrower monitoring protect depositors? 7. Can financial intermediation support economic growth? Share one practical example from your country or community. Choose one question and post your answer below. You are also encouraged to respond to another member by adding an example, asking a follow-up question or offering a different perspective. Let’s learn from one another and develop banker-level judgement. CONNECT FUNDS RESPONSIBLY—THINK LIKE A BANKER.