BTS Banque cheat sheet
BTS Banque · Keep the key ideas within reach.
French retail banking: the client, service and financing proposal
Separate account, credit, investment and insurance relationships.
Do not confuse designation of a bank with completed account opening.
Assess repayment resources as well as security.
Explain costs, risks and product-specific conditions.
Separate capital, liquidity, profitability and credit quality.
Assess repayment cash flows and downside exposure, not collateral alone.
State interest and coverage-ratio conventions explicitly.
An anomaly is a lead for review rather than proof of wrongdoing.
Read the actual coverage, limits, exclusions and duties.
Insurance transfers specified financial consequences, not the physical hazard itself.
Claims calculations require an explicit deductible and limit convention.
Reinsurance does not automatically release the original insurer from its policyholder obligation.