Learning Objectives

Most important parts of Fit&Proper Programme

  • Interpret ALM, liquidity, and interest-rate risk positions using balance-sheet mapping, IRRBB metrics, and ALCO dashboards to support informed supervisory decisions.

  • Understand financial performance through the balance-sheet and risk lens, including FTP, structural P&L drivers, key ratios (RoE/RORAC/EVA), and the impact of market and liquidity risks.

  • Evaluate and challenge risk reports and management proposals, applying board-level judgement to scenarios, hedging strategies, liquidity metrics, and regulatory requirements.

  • Enhance ICT and operational-resilience oversight, covering cyber-risk typologies, fintech and digital-transformation impacts, outsourcing/third-party risks, and board-level expectations under evolving EU regulations.

  • Strengthen AML/KYC oversight in a digital environment, including automated onboarding, data quality, sanctions/screening, monitoring models, and governance of AI-supported AML processes.

  • Lenght

    Typically delivered as a modular series spread across several weeks for board convenience, with a total duration of 10 to 40 hours

  • Form

    Onsite workshops (highly interactive, case-driven), Online live sessions, Self-paced e-learning units for fundamentals, Hybrid programmes combining all formats

  • Difficulty

    Designed for executive and supervisory board members and senior management, accommodating mixed levels of technical background.

Discover Bearning Fit & Proper Programme for Bank Board Members

Tailored for You!

Email us your request

Why Choose Fit & Proper?

This programme is offered inhouse for institutions. Designed with flexibility in mind, we can customize the content to meet bank managers' specific needs and deliver it either online or in person.

  • Customization

    Fully tailor-made content based on your bank’s governance needs, risk profile, supervisory expectations, and board experience level. Each programme is designed individually.

  • Flexibility

    Delivered as onsite workshops, online live sessions, or blended formats. Modular structure allows scheduling over several weeks to fit board calendars.

  • Pricing

    Project-based pricing reflecting selected modules, number of live hours, and delivery format. Transparent structure with options for one-time training or extended board development.

Who should attend

Target group

  • Supervisory board members and board committee members (Risk, Audit, ALCO)

  • Executive board members requiring Fit & Proper competence development

  • Senior management responsible for governance, risk, compliance, ALM or finance

  • Newly appointed board members preparing for regulatory interviews or approval

  • Heads of Risk, Compliance, Internal Audit, Treasury, and ALM seeking board-level perspective-s

Programme Description

Discover Fit&Proper for Banking Excellence

This tailor-made Fit & Proper programme equips supervisory and executive board members with the competencies required to oversee a bank’s balance sheet, risks, and financial performance. It provides a structured understanding of ALM, liquidity and interest-rate risk, ALCO reporting, and the interpretation of financial results from a governance perspective. The programme also strengthens oversight of AML/KYC, ICT, cyber risks, and digital transformation in today’s evolving regulatory environment. Designed with flexibility in mind, it adapts to each institution’s needs and can be delivered onsite, online, or in a blended format.

Model Programme Contents

Illustrative structure – the final programme is always tailored to each institution’s needs.

1. ALM, Balance-Sheet Management & Financial Results Interpretation

  • Mapping assets and liabilities for ALM and liquidity management

  • Understanding structural P&L, FTP, liquidity and interest-rate risk drivers

  • Interpreting ALCO dashboards, IRRBB metrics (EVE/EaR), CSRBB and balance-sheet sensitivities

  • Evaluating profitability, key ratios (RoE, RORAC, EVA), and scenario implications

  • Governance-focused interpretation: asking the right questions and challenging assumptions

2. Risk Oversight & Board-Level Decision-Making

  • Reading and challenging risk reports, stress scenarios, and hedging proposals

  • Liquidity metrics (LCR/NSFR), ILAAP elements, contingency planning

  • Understanding market risk tools (MD, PVBP, VaR, ES) for board discussions

  • Ensuring alignment of risk appetite, performance, and balance-sheet strategy

3. AML/KYC Oversight in the Digital Environment

  • Enterprise-wide ML/TF risk assessment and governance responsibilities

  • Digital onboarding, sanctions/screening, automated monitoring and AI-supported models

  • Understanding dashboards: quality indicators, alert trends, escalation processes

  • Board responsibilities during remediation, audits, or supervisory review

4. ICT, Cybersecurity & Digital Transformation

  • ICT governance, operational resilience, outsourcing and third-party risks

  • Cyber-threat typologies, incident readiness, and board-level KRIs

  • Oversight of AI/GenAI use cases, model-risk governance and explainability

  • Impact of fintech and digital transformation on risk, controls and board supervision

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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