Learn how SAP Banking supports core banking operations, lending, deposits, payments, treasury, risk management, and customer services.

Gain expertise in retail banking, corporate banking, account management, loan processing, transaction management, and regulatory compliance.

Develop practical skills in SAP Banking modules, integration, data management, workflow configuration, and financial operations.

Work on industry-focused projects involving banking operations, digital transformation, customer management, and financial services automation.

SAP Banking is a collection of SAP capabilities designed to support banking and financial-services processes. It can cover areas such as customer accounts, deposits, loans, payments, treasury, risk management, regulatory reporting, analytics, and digital banking.

The SAP Banking curriculum covers areas including SAP Bank Analyzer, FSCM, Banking Customer Account Management, Loans Management, Deposits Management, Treasury Management, Risk Management, Payment Processing, Banking Analytics, and Digital Banking. These components support transactional, financial, risk, compliance, and customer-related banking processes.

SAP Bank Analyzer provides capabilities for processing and analyzing financial information used by banks. It can support financial instruments, accounting-related processes, risk integration, source data processing, and results analysis.

SAP Bank Analyzer uses structured processing and data layers to manage banking information and generate financial results. The Edubrights curriculum covers the Source Data Layer, Results Data Layer, financial instruments management, risk and finance integration, and Accounting Derivation Engine.

The Source Data Layer provides source information required for banking analysis and financial processing. It forms part of the architecture through which relevant banking data is prepared for subsequent calculations and result generation.

The Results Data Layer contains processed results generated from banking calculations and analytical processes. These results can be used for financial analysis, reporting, risk-related processing, and downstream banking activities.

The Accounting Derivation Engine determines accounting-relevant information from financial transactions and instruments using configured rules. It helps connect banking transactions with accounting requirements and financial reporting processes.

Bank Customer Accounts (BCA) supports current-account and account-management processes in SAP Banking. SAP documentation describes account creation around products, account master data, account holders, business partners, and related account-management functions.

Customer account management handles account master data, account holders, transactions, balances, and related account activities. It can support account lifecycle processes and integration with other banking and financial functions.

Deposit Management supports the creation and administration of deposits and current accounts throughout their lifecycle. SAP documentation includes contract management, business partners, conditions, interest and charge calculation, incoming payments, settlement, and bank statements.

SAP Banking can support deposit scenarios such as current accounts, savings accounts, fixed deposits, and term deposits, depending on the implemented solution and configuration. Product definitions determine applicable conditions, interest rules, charges, and operational processes.

Deposit product configuration defines the characteristics and business rules of a deposit product. These rules can include contract conditions, interest calculation, charges, payment processing, settlement, and account lifecycle activities.

Interest calculation uses configured financial conditions associated with the relevant product or contract. SAP financial conditions can represent standard or individual conditions and serve as a basis for calculating interest and charges.

Account statement generation provides transaction and balance information for banking accounts. Deposit-processing capabilities can include periodic settlement and bank statement processing as part of the account lifecycle.

SAP Loans Management supports the management of different types of loans throughout their servicing lifecycle. SAP documentation includes loan account creation, conditioning, disbursement, repayment, billing, payment processing, payoff, and account closure.

Loan origination covers the processes involved in creating and initiating a loan for a customer. It can include customer information, product selection, credit assessment, approval, account creation, and preparation for disbursement.

Loan disbursement is the process of releasing approved loan funds to the borrower or designated recipient. SAP Loans Management includes disbursement as one of the operations in the loan servicing lifecycle.

An amortization schedule defines how principal, interest, and repayments are distributed over scheduled payment periods. SAP Banking implementations can use configured loan conditions and calculation rules to support different repayment structures.

Variable-rate loans use financial conditions that can change based on configured rules or reference rates. SAP loan processing can apply loan-specific conditioning and calculation rules to support changing interest conditions.

Non-performing loan management deals with loans where repayment performance has deteriorated according to defined banking criteria. Processes can involve monitoring, overdue-item management, collections, provisioning, and risk analysis.

Treasury Management supports financial-market, liquidity, and treasury-related banking processes. The Edubrights curriculum covers money market instruments, foreign exchange transactions, derivatives management, position management, and integration with SAP Market Risk.

Money market instruments are short-term financial instruments used for liquidity, funding, and investment activities. Treasury systems can support transaction processing, valuation, position management, settlement, and related accounting activities.

Foreign exchange transaction management handles financial transactions involving different currencies. It can include trade capture, currency positions, valuation, settlement, and integration with financial risk processes.

Derivatives management involves financial contracts whose values depend on underlying assets, rates, currencies, or other variables. SAP Treasury capabilities can support transaction processing, valuation, position management, accounting, and risk integration.

Position management tracks financial positions generated by treasury transactions and financial instruments. It provides information about holdings, exposures, balances, and market-related positions for further analysis and risk processing.

Banking risk management involves identifying, measuring, monitoring, and managing financial risks. The Edubrights curriculum covers credit risk, market risk, Value at Risk, liquidity risk, regulatory capital, and stress testing.

Credit risk management evaluates potential losses resulting from customers or counterparties failing to meet financial obligations. Banking systems can use customer, exposure, collateral, transaction, and repayment information to support credit-risk processes.

Value at Risk (VaR) is a quantitative measure used to estimate potential losses for a defined portfolio, confidence level, and time horizon. It can be used as part of market-risk measurement and monitoring.

Liquidity risk monitoring evaluates whether a financial institution can meet its financial obligations when they become due. Treasury and banking analytics can be used to monitor cash positions, funding requirements, liquidity gaps, and related exposures.

Basel III/IV refers to international banking regulatory frameworks covering areas such as capital, risk, and regulatory reporting. SAP Banking implementations can support the calculation, analysis, and reporting of relevant regulatory information according to the applicable requirements.

Stress testing evaluates the potential effect of defined adverse scenarios on financial positions or portfolios. Banks can use stress scenarios to assess potential effects on credit risk, market risk, liquidity, capital, and other financial measures.

Regulatory reporting involves preparing financial and risk information required by banking regulators. The Edubrights curriculum includes FINREP, COREP, Basel III/IV, IFRS 9 expected credit loss, AnaCredit, and regulatory reporting engine integration.

FINREP is associated with financial reporting, while COREP covers regulatory reporting related to prudential and capital requirements within the applicable framework. SAP Banking implementations can prepare and process the required data for supported regulatory reporting scenarios.

IFRS 9 expected credit loss is an accounting approach for recognizing expected credit losses on applicable financial assets. Banking systems can use exposure, financial instrument, risk, and calculation data to support ECL-related processing and reporting.

AnaCredit is a European Central Bank framework for collecting detailed credit and credit-risk information. SAP Banking implementations can support the preparation and processing of relevant data for applicable regulatory reporting requirements.

SAP Payment Engine supports payment-related processing in banking scenarios. It can be used for payment and collection processes and can integrate with other banking components for external and internal payment processing. SAP documentation also describes Payment Engine integration as an option for loans and deposits scenarios.

ISO 20022 is an international standard for structuring financial messages. SAP payment processes can use applicable ISO 20022 message formats to support standardized payment information exchange.

SEPA supports standardized euro payment transactions within the applicable European payment framework, while SWIFT provides financial messaging infrastructure used by financial institutions. SAP Banking payment processes can be configured for relevant payment and messaging requirements.

AML checks help identify transactions or customer activities that may require investigation under applicable anti-money-laundering controls. Payment workflows can incorporate validation and monitoring steps to support compliance processes.

Payment fraud detection involves identifying unusual or potentially fraudulent payment activity using rules, analytics, risk indicators, or external detection mechanisms. It can be incorporated into payment-processing and transaction-monitoring workflows.

SAP Financial Supply Chain Management (FSCM) provides capabilities for financial processes such as collections, dispute management, credit management, and payment-related activities. The Edubrights curriculum covers collections, disputes, corporate credit management, electronic bank statements, and Biller Direct.

Collections management supports the monitoring and handling of outstanding financial obligations. It can help organizations manage collection activities, customer interactions, payment status, and follow-up processes.

Dispute management provides structured processes for recording, investigating, and resolving financial disputes. It can connect dispute cases with relevant customer, transaction, and accounting information.

Electronic bank statement processing brings bank transaction information into SAP for reconciliation and accounting activities. SAP also provides bank subaccount functionality to help reconcile bank balances with corresponding G/L accounts when statements are received.

Banking analytics uses customer, transaction, financial, risk, and operational data to generate business insights. The Edubrights curriculum includes product and customer profitability, risk exposure dashboards, regulatory analytics, customer lifetime value, and SAP Analytics Cloud integration.

Banking analytics uses customer, transaction, financial, risk, and operational data to generate business insights. The Edubrights curriculum includes product and customer profitability, risk exposure dashboards, regulatory analytics, customer lifetime value, and SAP Analytics Cloud integration.

Digital banking involves delivering banking services through digital channels and connected enterprise systems. The Chennai curriculum covers API banking, open banking, PSD2, SAP BTP, mobile banking integration, AI-driven credit scoring, and digital onboarding.

Open banking enables authorized financial data or services to be accessed through defined interfaces and consent-based processes. API banking uses application programming interfaces to connect banking services with applications, digital channels, partners, and other systems.

The Edubrights course lists projects such as Retail Banking Management System, Loan Processing and Approval Workflow, Banking Payment Processing Platform, Customer Relationship and Account Management, and Regulatory Reporting and Compliance Solution. These projects cover customer accounts, lending, payments, customer information, compliance, and banking workflows.

SAP Banking training can help develop skills in SAP Bank Analyzer, customer account management, deposits, loans, loan servicing, treasury, foreign exchange, derivatives, banking risk management, Basel reporting, IFRS 9, regulatory reporting, payment processing, ISO 20022, SAP FSCM, banking analytics, SAP Analytics Cloud, digital banking, APIs, open banking, and SAP BTP integration. These areas align with the technical curriculum published on the Edubrights SAP Banking course page.