Program Description:
This course builds your knowledge of proper analytical techniques for evaluating the financial condition of a financial institution. Subjects include an in-depth look into the Uniform Bank Financial Report, operating ratio analysis, capital components, return on assets, establishing net interest margin, rate sensitivity, asset and liability liquidity sources, and many more financial components utilized in conducting a bank financial analysis. The software even includes a case study to test your knowledge of proper analytical techniques.
After successfully completing this course, the student will be able to:
- Identify various components of the CAMELS rating system
- Identify rating factors for each component of the bank
- Identify the uses and users of a Uniform Bank Financial Report (UBPR)
- Determine the appropriate use of peer group data
- Define ratios for capital adequacy, asset quality, earnings, and liquidity
- Identify the use of specific ratios in bank analysis
- Define bank capital and its components
- Identify capital analysis factors
and uses of the UBPR in capital analysis
- Define and compute the return on assets, net interest margin, gross earning asset yield, and break-even yield
- Identify rate sensitivity constraints, non-interest income, provision for loan losses, overhead expenses, symptoms of tight liquidity
- Identify sources of liquidity from the asset and liability side of the balance sheet
- Identify off-balance sheet liquidity
- Identify sources of liquidity from holding companies and affiliates
- Identify specifics of liquidity policies and procedures
- Identify market risks
- Define Uniform Financial Institutions Rating System ratings
Who Should Attend:
Designed for any bank personnel who needs to enhance their analytical skills of the condition and performance of a financial institution. Also ideal for members or aspiring members of the Asset Liability Committee, members of the Board of Directors, and new or aspiring bank officers.
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