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?
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, Ondřej Pilař
Be an Insurance Company CEO for a Day: A very good and sophisticated game. I recommend increasing price sensitivity; a high price of insurance not justified by higher costs guarantees very high profits – useful in games consisting of a small number of rounds (approx. up to eight rounds), where it will guarantee a win in the Equity category.
CHRPA sociální firma Slezské diakonie o.p.s., Petr Světlík
Mentoring programme for social enterprices: Many thanks to KPMG for the mentoring experience. I found it immensely beneficial. Analysing our firm in such a pleasant company of mentors was a real experience. Both mentors (H. Pleskačová) were very pleasant and at the same time honest and able to communicate negative things (which is very important for me) while also being able to appreciate things that are positive. There’s nothing better than being able to discuss your firm’s issues with an unbiased professional who provides you with a completely independent view of your problem or concern and advises you on what to do next and how. Since we started cooperation with KPMG, big changes have been taking place at our firm – for the better. After this experience, I will be happy to pay for additional mentoring classes.
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.
OGResearch, s.r.o., David Vávra
ISAE 3402 issues: Professional training sessions led by experienced lecturer Radka Haluzíková, who manages to quickly and efficiently pass on a whole range of information in the area of ISAE 3402. Her exceptional identification with our requirements in the field of education is highly appreciated. Since the beginning of our cooperation, we have had no reasons whatsoever for any dissatisfaction. We are content with the course and the contents of the professional training, the selection of topics for individual groups of employees, practical examples and suitability for our company’s actual business activity, as well as the ability to promptly and flexibly adjust the topic according to real issues presented.