Training Advanced Bank Analysis

Course Objectives

The objective of this advanced case study based workshop is to drill down into the financial statements of banks in order to identify and quantify the risks of more complex business lines.

Target Audience

Experienced analysts, regulators, risk and fixed income professionals with a good understanding of the analysis of financial institutions.

Course Content

Signs of Distress

Common themes in troubled insurance companies: external vs. internal factors; contagion risk
Symptoms of a company’s deteriorating credit standing: financial, non-financial and market indicators.

Structured Analytic Approach

Focus on key issues: payback, risks and structure
Sources of payback: ability to refinance in normal vs. stressed conditions; the level, volatility and location of cash-flow, challenges to downsizing assets, likelihood of government or parental support
Risks to repayment: key macro, sector and company-specific business and financial risks which might jeopardise repayment
Structure: structural subordination – policyholder priority, the diverging recovery prospects of stakeholders in distressed insurers and holding companies; overview of legal processes for failed insurers.

Operating Environment

Investment and economic cycles – impact of recession, inflation and financial crisis on main sectors
Underwriting cycles; trends in catastrophe losses, litigation, mortality / longevity
Differing vulnerabilities to adverse scenarios by sector: life, P&C and reinsurance
Changes in regulation, tax or accounting; IFRS.

Management and Shareholders

Risky or inappropriate strategies, signs of desperation
Significance of ownership structure: mutuals, conglomerates etc.
The importance of franchise
How to recognise weak management and lack of integrity
Disclosure and corporate governance concerns.

Business Risk

The significance of size and age of firm. Good vs. bad growth
Business models – exposure to higher risk sectors: variable annuities, D&O, financial and mortgage guaranty
Performance risk: negative spread, volume and margin pressure
Investment risk: stress testing write-downs, key asset / liability management (ALM) challenges; asset valuation challenges; effectiveness of hedges, concentration risks; aggregation of exposures across asset and liability classes
Underwriting risk: pricing and data challenges; catastrophe and concentration risk
Reinsurance risk: credit and dispute risk; over-reliance on reinsurance; gaps in cover
Reserve adequacy: legacy exposures and loss reserve triangles in non-life; reserving for embedded guarantees or longevity risk in life
Regulatory risk: relative vulnerability of sectors.

Financial Risk

Capital adequacy: reliability of regulatory solvency formulae; ability of capital to withstand underwriting, investment or other shocks
Quality of capital – tangible vs. intangible net worth; capital with restricted use; mix of debt, equity and hybrid capital
Leverage: limits to an insurance company’s ability to leverage
Double leverage: challenges of a leveraged holding company
Importance of financial flexibility
Liquidity: potential cash-flow shocks; liquidity of investments.

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Kami memberikan alternatif Fasilitas atas Investasi anda dalam Program ini, diantaranya :

Sertifikat, Peralatan Training, USB, Souvenir, Lunch, Coffe Break, City Tour
Running minimal 2 Orang (Semarang, Jogja, Solo), Running minimal 3 Orang (Bandung, Jakarta), Running 4 Orang diperuntukan untuk daerah (Bali, Lombok, Manado, Balikpapan)
Kami menyediakan transportasi antar Jemput dari Stasiun/Bandara ke Tempat Pelatihan(Hotel) bagi perusahaan yang Running minim 2 Orang
Harga dilampirkan di Brosur Penawaran

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Training Advanced Bank Analysis