Learning Objectives

Most important parts of the course

  • Understand Banking and Financial Markets: Roles of financial markets, hedging, and the importance of bond portfolio

  • Master Financial Management: Key financial ratios, balance sheet management, and strategic planning in banking.

  • Risk Management and Regulation: Effective risk management, including credit, market, and liquidity risks, and knowledge of banking regulations.

  • Lenght

    1 day

  • Form

    online (or in person upon request)

  • Difficulty

    basic/advanced

Live course with a lecturer

This is Bearning's live interactive course with a lecturer. You can attend as follows:

  • 📅❌ If no specific date is listed for the course, then we currently only offer this course as an inhouse course for institutions or groups of participants (3+ ). Contact us by email for more information. We are always happy to tailor this course to your requirements. We can deliver it online or in person.  
  • 📅✅ If the course is listed for a specific date, you can sign up for it by registering and paying the fee. We will confirm your registration for the course and send you a link to connect (usually via Zoom or MS Teams) and a PDF of the presentation prior to the course. You can also register for the course by email, or you can contact us for further information. Course content and further details can be found on the course page. 

Who should attend

Target group

  • Bank managers/prospective managers, project managers and managers of processes

  • Controlling and planning, risk controlling, ALM and Risk Management

  • Business units (Retail, SME, Corporate, Private Banking)

  • Other bank professionals and experts (accounting, back-office, middle-office, credit management, compliance, HR and marketing) searching for education in total bank management area

Course Description

This course provides a comprehensive exploration of banking and financial management. Participants will learn the essentials of bank controlling, internal pricing mechanisms, and how to manage margin contributions and structural risk. Key financial ratios and balance sheet management are covered in detail, allowing to make informed decisions about interest rates for various bank products. Moreover, the course addresses risk management, including credit, market, and liquidity risks, while also navigating the complex landscape of banking regulations, such as Basel III/IV. It delves into the intricate workings of financial markets, including money markets, capital markets, FX markets, and the crucial role of bond portfolios. By the end of the course, participants will be equipped with the knowledge and skills necessary to excel in the dynamic and highly regulated world of banking.

Content

  • Banking and financial markets - the role of financial markets by bank´s management, (money market, capital market, FX market, bonds), hedging of bank´s and customer´s positions, importance of bond´s portfolio in bank´s balance sheet, central bank facilities (repo tender, O/N facilities, etc.)
  • Bank controlling, internal prices (FTP), management of margin contribution (interest and non-interest) and structural risk contribution
  • Key bank financial ratios (e.g. RoE, RoR, RORAC, CIR, EVA and other)
  • Balance sheet structure of a bank, Fundamentals of Assets and Liabilities management (liquidity management, interest risk management), Assets and Liabilities Committee ALCO, proper decision making about interest rates for diverse bank products
  • Strategic planning - managing a bank by considering internal bank procedures and key financial ratios, customer needs, shareholder requirements, regulatory environment and employees’ desires. Balanced Scorecards (BSC) method principles.
  • Bank´s regulatory environment – current regulation framework Basel III / IV (capital requirements, CRD/CRR, Single Resolution Mechanism – SRMR, Bank Recovery and Resolution – BRRD, MREL/TLAC, Deposit Guarantee - DGS, supervisory process - SREP, capital allocation and liquidity ICAAP/ILAAP, corporate governance, liquidity ratios - LCR/NSFR, marktes infrastructure - EMIR, interest rate risk - IRRBB), other regulatory requirements (minimum reserves, MiFID II, bank levy, crypto-assets regulation)
  • Bank business management (retail, corporate banking, private banking), risk policy for diverse customers´ types, cross selling, customer needs
  • Risk management (credit risk, market risk, liquidity risk, operational risk, business risk) and basic risk measurement methods. Credit risk (expected and unexpected credit loss, mitigation of credit risk, credit spread risk), Liquidity risk of a bank, Market risks - interest risk (level risk, yield curve risk, basis risk, other risks influencing IR position of a bank), FX risk, optionality risks. Methods to measure and quantify banks risks (what-if scenarios, MD, PVBP, VaR, Expected Shortfall)
  • Case studies and strategic discussions

Instructor

CEO, Bearning Martin Macko

Martin started his career in banking in 1994 as an MM&FX Treasury trader. Later he was appointed Treasury Director and Chairman of ALCO at a subsidiary of an international banking group. In 2007, Martin founded a consulting company. Later, Bearning expanded its activities to include professional banking education in the areas of ALM & Treasury, financial markets, risk management, fintech and digitalization. Martin holds several degrees and qualifications: Ing. (equivalent to M.Sc.) from the Slovak Technical University, ACI Dipl. (ACI Dipl.) from the Financial Markets Association, Financial Modeling & Valuation Analyst (FMVA)® and Certified Banking & Credit Analyst (CBCA)™ and Capital Markets & Securities Analyst (CMSA)® from the Corporate Finance Institute.

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