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Our courses are intended for a global audience, with each one being completely customisable to suit the needs of the individuals it is being delivered to.

They can be delivered in London or in your home town. You decide.

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Introduction to Bank Financials

  • Banking and Financial Markets, Retail Banking
  • Duration: One day
  • Information

    A one day highly participative programme which equips participants to discuss the business models of commercial and investment banks; to interpret their financial statements; to use key ratios to evaluate performance; and to outline the basics of risk management, asset/liability management and capital adequacy in the post-banking crisis environment. The intended participants are senior sales and relationship managers who wish to enhance their ability to hold knowledgeable conversations with banking clients about current business issues

    Participants are assumed to be familiar with basic capital markets concepts and terminology; and with the essentials of double entry accounting. The course will be based largely on the  financial statements of a major UK banking group.


    Session One
    Income statement
      Refresher on basic accounting concepts: P&L, balance sheet, equity
      Fundamental nature of banking – risk and maturity transformation
      Income statement line by line
      Segmental performance analysis
      Key ratios: net interest margin, cost/income ratio, impairment ratio

    Session Two
    Balance sheet
      Balance sheet assets and liabilities line by line
      Overview of financial instruments classification
      Non-performing loans and impairment allowances
      Key ratios: loans/total assets; loans/deposits

    Session Three
    Leverage, returns and the banking crisis
      Growth of bank leverage
      Securitisation, the 2007/8 banking crisis and the legacy environment
      Key ratios: Return on assets, return on equity, leverage ratio


    Session Four
    Risk management
      Asset/liability management: interest rate management, liquidity management
      Risk management: credit risk, market risk, operational risk
      Basel capital adequacy rules, risk weighting of assets and capital definitions

    Course Conclusion

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    As every course we run is tailored to meet the specific needs of each client, we can only provide an estimate after fully understanding your specific requirements. Please complete the form below of call +44 (0) 208 894 4977 to discuss how Taylor Associates can help you.

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