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Provided by: FitchTraining Intensive Bank AnalysisAccounting and Finance |
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Training
Provided by FitchTraining
A three-day workshop for credit risk management, fixed income and origination professionals. An in-depth analytic approach to the credit and needs analysis of commercial banks, tailored to the markets where it is held.
Related Awards, Degrees or Certifications: Earn CPD credits
We are an accredited training provider with a number of institutions including:
ACCA
NASBA
Securi
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Intensive Bank Analysis
Course Objectives
Participants will be equipped to:
Use a structured approach, incorporating financial, qualitative and market indicators, to identify strong and weak performers
Recognise early warning signals of credit deterioration in full and limited disclosure situations
Understand impact of key economic, political, regulatory and supervisory issues
Use credit analytics to identify relative value and business development opportunities
Assess counterparty risk in order to set facilities and exposure limits.
Target Audience
Credit risk management, fixed income and banking professionals. This workshop is targeted at an intermediate level. The two day workshop Introduction to Bank Financial Statements is designed as a preparation for those with limited accounting and banking experience. The workshops Emerging Market Banks and Sovereigns and Intensive Bank Analysis: Community & Regional Banks cover a similar analytic approach but with a focus on specific types of institution. Other complementary workshops include Risk Management in Banks & the Capital Implications, Trading Risks in Financial Institutions and Early Warning Signals in Financial Institutions.
The majority of Fitch Training programmes are offered at an intermediate and advanced level. There are no specific prerequisite courses to attend our programmes, however some topic knowledge maybe required. Please refer to the target audience to see what level of prior knowledge is required for a specific course.
Case Studies
FitchTraining workshops are based around case studies and exercises designed to illustrate the analytic approach and / or specific learning points. Our case studies are chosen for relevance, topical interest and disclosure quality and are a combination of strong and weak performers. They vary according to the location of the workshop and are constantly updated, using public and market information. Case studies are subject to change without notice.
Content
ANALYTIC OVERVIEW
Structured approach to credit analysis - purpose payback model
CAMEL (capital, assets, management, earnings & liquidity)
Rating agency approaches: issuer ratings, individual / financial strength and support ratings
Market perspective on credit - equity indicators, credit default swap and bond market indicators
OPERATING ENVIRONMENT
Impact of macro economic variables on performance
Sub-prime and other drivers of credit crunch
Competitive and structural issues
Regulation and supervision
Basel I and II and local interpretations
FINANCIAL FUNDAMENTALS
Statement logic
Relating business mix to balance sheet and income structure
Accounting policies and disclosure quality: IFRS and local GAAP standards
Business risk
Loan quality - portfolio analysis, problem loans and reserve adequacy
Trading, investment and derivatives risk
value at risk (VaR), stress testing and other disclosure
Fair value accounting
Financial risk
Funding risk - stability and variety of funding sources, contingency funding
Gap and liquidity management
Capital adequacy - size, quality and adequacy of capital base
Economic capital management
Performance risk
Balancing the risk / return profile: net interest, trading, commission, gain on sale
Income stability and expense control
Early warning signals
Financial and non-financial indicators
MANAGEMENT, FRANCHISE AND OWNERSHIP
Management
Strategy, systems, skills, structure
Risk management
Franchise
Franchise - sources and measures
Strength of banking business model
Ownership structure
Bank holding companies, conglomerates, double leverage
SUPPORT
Solvency versus liquidity problems
Lender of last resort
STRUCTURE
Key inter-bank exposure risks
Ranking, collateral sub-limits and other safeguards
Features of bank securities: senior, subordinated debt and hybrid capital; tier 1, 2 and 3 capital securities
Participants will be equipped to:
Use a structured approach, incorporating financial, qualitative and market indicators, to identify strong and weak performers
Recognise early warning signals of credit deterioration in full and limited disclosure situations
Understand impact of key economic, political, regulatory and supervisory issues
Use credit analytics to identify relative value and business development opportunities
Assess counterparty risk in order to set facilities and exposure limits.
Target Audience
Credit risk management, fixed income and banking professionals. This workshop is targeted at an intermediate level. The two day workshop Introduction to Bank Financial Statements is designed as a preparation for those with limited accounting and banking experience. The workshops Emerging Market Banks and Sovereigns and Intensive Bank Analysis: Community & Regional Banks cover a similar analytic approach but with a focus on specific types of institution. Other complementary workshops include Risk Management in Banks & the Capital Implications, Trading Risks in Financial Institutions and Early Warning Signals in Financial Institutions.
The majority of Fitch Training programmes are offered at an intermediate and advanced level. There are no specific prerequisite courses to attend our programmes, however some topic knowledge maybe required. Please refer to the target audience to see what level of prior knowledge is required for a specific course.
Case Studies
FitchTraining workshops are based around case studies and exercises designed to illustrate the analytic approach and / or specific learning points. Our case studies are chosen for relevance, topical interest and disclosure quality and are a combination of strong and weak performers. They vary according to the location of the workshop and are constantly updated, using public and market information. Case studies are subject to change without notice.
Content
ANALYTIC OVERVIEW
Structured approach to credit analysis - purpose payback model
CAMEL (capital, assets, management, earnings & liquidity)
Rating agency approaches: issuer ratings, individual / financial strength and support ratings
Market perspective on credit - equity indicators, credit default swap and bond market indicators
OPERATING ENVIRONMENT
Impact of macro economic variables on performance
Sub-prime and other drivers of credit crunch
Competitive and structural issues
Regulation and supervision
Basel I and II and local interpretations
FINANCIAL FUNDAMENTALS
Statement logic
Relating business mix to balance sheet and income structure
Accounting policies and disclosure quality: IFRS and local GAAP standards
Business risk
Loan quality - portfolio analysis, problem loans and reserve adequacy
Trading, investment and derivatives risk
value at risk (VaR), stress testing and other disclosure
Fair value accounting
Financial risk
Funding risk - stability and variety of funding sources, contingency funding
Gap and liquidity management
Capital adequacy - size, quality and adequacy of capital base
Economic capital management
Performance risk
Balancing the risk / return profile: net interest, trading, commission, gain on sale
Income stability and expense control
Early warning signals
Financial and non-financial indicators
MANAGEMENT, FRANCHISE AND OWNERSHIP
Management
Strategy, systems, skills, structure
Risk management
Franchise
Franchise - sources and measures
Strength of banking business model
Ownership structure
Bank holding companies, conglomerates, double leverage
SUPPORT
Solvency versus liquidity problems
Lender of last resort
STRUCTURE
Key inter-bank exposure risks
Ranking, collateral sub-limits and other safeguards
Features of bank securities: senior, subordinated debt and hybrid capital; tier 1, 2 and 3 capital securities
About The Training Provider: FitchTraining
FitchTraining - Fitch Training is a specialist training firm focused on the provision of credit and corporate finance training. Courses are offered in three areas: financial institutions, corporate credit and securitization. Fitch Training is part of Fitch Solutions, a division of the Fitch Group. We also work in partnership with Fitch Solutions to provide quantitative training.
Fitch Training operates...
