NEVADA | PROFESSIONAL EXPERIENCE

Program Professional Framework

Strategic Financial Skills for Bank Managers

Program Overview

Bank managers are judged on profitability, capital consumption, liquidity and asset quality at the same time. «Strategic Financial Skills for Bank Managers» builds the financial judgement needed to balance them: reading a bank's balance sheet and income statement, net interest margin drivers, asset-liability management, funds transfer pricing, capital adequacy under Basel III, risk-adjusted performance using RAROC, expected credit losses under IFRS 9, loan and deposit pricing, and the specific features of Islamic banking balance sheets in the GCC. Cases use published results of regional banks.

Learning Outcomes

✓Analyse a bank's financial statements and explain the drivers of net interest margin, cost-to-income and return on equity.
✓Apply funds transfer pricing to measure the profitability of branches, products and customer segments.
✓Assess how lending decisions consume capital under Basel III and evaluate them using RAROC.
✓Interpret ALM reports on repricing gaps and liquidity ratios and recommend balance sheet actions.
✓Price a loan or financing product reflecting funding cost, expected loss, capital and operating costs.
✓Explain the effect of IFRS 9 expected credit losses on earnings volatility and lending strategy.

Target Audience

Branch, regional and business unit managers in banks
Corporate, retail and SME banking heads
Relationship managers moving into management roles
Finance, ALM and strategy staff in banks

Detailed Program Modules

01Bank Financial Statements

Structure of a bank balance sheet and income statement
Key ratios: NIM, cost-to-income, ROA and ROE
Conventional versus Islamic bank statements

02Profitability and Performance Measurement

Funds transfer pricing
Product, segment and customer profitability
RAROC and economic profit

03Capital Management

Basel III capital components and buffers
Risk-weighted assets and capital consumption
Capital planning and allocation to businesses

04Liquidity and Asset-Liability Management

Repricing and liquidity gaps
LCR, NSFR and funding mix
The ALCO role and balance sheet strategy

05Credit Quality and Pricing

IFRS 9 staging and expected credit loss
Risk-based pricing of loans and financing
Deposit pricing and margin management

06Strategic Financial Decisions

Growth versus capital and liquidity constraints
Digital banking and cost efficiency
Building a business unit financial plan

Training Methodology

Interactive expert-led sessions grounded in workplace examples

Case studies and practical exercises drawn from the region

Group workshops with peer review of decisions and deliverables

Formative feedback against clear performance criteria

Applied Project & Assessment

Applied Project

Participants analyse the published financials of a GCC bank, then prepare a financial plan for a branch or business unit with FTP-based profitability, capital consumption, a pricing proposal for a key product and recommendations to the ALCO.

Assessment

Short diagnostic at the start, practical tasks linked to each learning outcome, and evaluation of the applied project against published criteria.

University Certificate & International Accreditation

Professional Certificate accredited by City University Malaysia in Strategic Financial Skills for Bank Managers

International accreditation: International Auditors Group (IAG)