Bank Analysis Training Program (Privately owned bank)

About the client:
Our client is the oldest privately owned bank in the United Arab Emirates. It was the first UAE bank to install ATM cash dispensers, the first to issue debit and credit cards, and the first to introduce consumer loans.

Today they provide conventional and Islamic personal banking services including deposits, loans, and credit cards; conventional and Islamic investment banking services including corporate finance and investment advisory on mergers and acquisitions, initial in public offering and underwriting; conventional and Islamic asset management services including wealth management. They have 12 overseas offices in nine countries, including Europe, the United States, Asia, and Africa.

What business challenge were they experiencing?
Our client has a cohort of Relationship Managers working in the Financial Institutions team. Their role entails analyzing the banks and financial institutes based in the Asian subcontinent (India, Nepal, and Bangladesh) before granting them loans. They are expecting to work with the Credit Management Team to ensure the risk involved in lending money to these off-shore banks is justified.

However, the relationship managers were highly driven by targets and did not pay enough emphasis on understanding the nature and amount of risk involved before engaging in any dealings with their customer institutions.

The client wanted a learning solution that would:

• Ensure their relationship managers are aware of the current industry best practices for conducting financial analysis and ascertaining risks involved for banks
• Provide them with the skills and tools they need to conduct an informative analysis of all the key financial statements submitted by potential clients
• Develop a learning solution that could gauge the impact of training on the participants’ skills and technical know-how of conducting risk analysis
• Ensure relationship managers understand the concerns raised by the credit team and work towards a common goal

What solution did Kaplan Professional ME provide?

A collaboratively customized Bank Analysis Programme.

How did Kaplan Professional ME work with the client to develop the solution?

To develop the learning solution, Kaplan used the ‘collaborative customization’ approach.

The course outline, the content, and the learning outcomes were developed by conducting multiple rounds of consultative interviews with key stakeholders of the organization such as the Head of Human Resources, Head of Credit Risk Management, and Head of Relationship Management.

It resulted in the creation of a highly bespoke program content encompassing pre-assessments, comparative case studies, and post-assessments.

How was the training delivered?
The training was delivered face-to-face (F2F) over two days for two batches (2 x 2 = 4 Days). It was interactive and included real-time business scenarios and financial statements.

We also deployed a hypothetical case where the participants had to comparatively analyze the financial statements of two different banks. We also conducted pre-assessments and post-assessments before and after the program to measure the impact of training among the participants.

What aspects were highly appreciated by the client?

• Collaborative customization of program and content through a consultative approach
• Industry experienced trainer, ex-financial modeler conducting the interactive delivery
• Comparative case study approach based on a regional competitor to simulate a real-time business scenario
• Comprehensive pre and post-assessments along with support material for the effective embedding of learning
  The results of the assessments

What did the candidates think of the program?

• “Lot of examples provided! Great comparative analysis of bank financials.”
• “Content was easy to comprehend. Self-explanatory.”
• “The training content was very well structured!”
• “The trainer was very knowledgeable, friendly, and approachable. Answered all our queries. Overall, a very helpful training.”