This course is intended to help students understand the major issues and concepts with which financial institutions deal with every day. The matters of liquidity, profitability and risks management will be largely presented here. This course is not only for students who would like to work in financial institutions later. Lectures and seminars will provide the students with vocabulary and risk approach of banks. It should help in the future to negotiate with these institutions for a business loan, to present a business plan, to obtain a mortgage, etc.