The regulation of banks prescribes new rules and procedures for the provision of credit. Capital adequacy rules determine the cost of credit from a regulatory capital perspective. The complexity of transactions is growing, and client requirements are increasing, also in view of the new economic environment (e.g. start-ups and the new economy). Information from clients may be inaccurate, non-transparent or manipulated.
The aim of the training programme is to expand the knowledge of credit analysts and other bank employees who take part in the evaluation and approval of corporate loans. It is no longer enough for a credit analyst or relationship manager to only have basic knowledge of corporate financial analysis.
In addition to gaining specific knowledge for the evaluation of corporate financial statements, participants in the programme will gain an overview of the requirements for the bank's operations from a risk and capital management perspective. Credit analysts and other bank employees will thus be much better equipped to deal with clients, their risk management department, and regulatory requirements and questions.
Our training programme will enable participants to detect manipulations of financial statements, uncover the reasons for including individual loan parameters in the calculation of the cost of risk (including the cost of capital) and provide an overview of the activities and processes involved in the bank's lending practice.
Programme structure:
GENERAL SECTION:
Module I: Credit analysts: within the context of bank lending practices
1: Banking regulations for the provision and monitoring of credit
2: Quantitative credit risk management requirements
Module II: Basic principles of financial statement analysis and manipulation
3: Analysis of financial statements
4: Manipulation of financial statements
5: Manipulation of historical financial information and plans
Modul III: Products offered to corporate clients
6: Characteristics of banking products
ADVANCED SECTION:
7: Consolidation in financial reporting
8: Forensic analysis of financial statements and manipulation of financial statements
9: Banking products in corporate financial statements
Individual courses can be certified separately based on participation.
The total fee for the training programme (courses 1 to 6) is CZK 23 000 excl. VAT.
Who trains with us?
Hewlett Packard s.r.o., Martina Valentová, Customer Project Manager
Financial instruments: I would like to thank your colleagues for their excellent preparation and perfectly elaborated materials.
Kooperativa pojišťovna, a.s., Vienna Insurance Group, Michal Novotný
Be an Insurance Company CEO for a Day: The game impressed with its quick presentation of results and a very entertaining drawing of market scenarios and disasters. Although the extent to which each “setting” affected market shares and costs was not very clear, this added an exciting element of surprise. Subsequently, after several interactions, the impact could be estimated.
Kooperativa pojišťovna, a.s., Vienna Insurance Group, Hynek Vodička
Be an Insurance Company CEO for a Day: An elaborate game that is excellent for gaining experience in making decisions on an insurance company’s strategy, including the ensuing financial result. I recommend playing this game with sales people and agents, too. It’s a pity that it only covers non-life insurance. I recommend expanding the game to include other insurance companies as well.
CHRPA sociální firma Slezské diakonie o.p.s., Petr Světlík
Financial risk management for social enterprises: Since attending your training course, we have started reorganising the firm’s entire operation. We hired an accountant and started reviewing everything from the ground up and putting everything in order. Previously, we only used an external accountant. We now calculate expenses and revenues, and allocate costs to individual products. We monitor how long it takes to manufacture each product, etc. We are reorganising work procedures and so forth. I know, six years after the firm’s establishment, it may seem a bit late, but it was your course that finally opened my eyes. What’s more, we managed to obtain three new customers.
BASALT CZ s.r.o., lng. Tomáš Petrů
Training sessions on the protection of competition, taking place regularly already since 2013 and led by KPMG lecturers, are tailored to the requirements and goals of our parent company based in Germany. The lecture always includes specific practical examples considerably enhancing the training. Overall, the training sessions proved to be very beneficial and useful for us.