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European Bank Financial and Credit Analysis

Produced by the Knowledge Center, expert training from S&P Global Market Intelligence

Session One – Introduction to Bank Financial Accounting and Reporting
Session Two – European Bank Credit Analysis

Choose the session(s) that fit your needs:

We divide this three-day course into two sessions: an introductory day-length programme, followed by a more intensive two day programme for industry practitioners who already have a firm grasp of the basics of bank analysis.  

The one-day session, Introduction to Bank Financial Accounting and Reporting, is intended for those with little or no knowledge of financial institution financial statements. You will examine the income statement and balance sheet in detail and see how the profile of the statements differs, depending on the type of financial institution. You will also work through the requirements and typical contents of a bank’s annual report. This session is scheduled just prior to the two day course.  

The two-day session, European Bank Credit Analysis, provides delegates with the necessary analytical tools to undertake effective analysis of banks. The programme assumes a basic knowledge of the structure of banks’ financial statements and of the key ratios used in the analysis process. We recommend that participants without this knowledge, or those who feel they require a refresher, first attend Session One: Introduction to Bank Financial Accounting & Reporting.

Delivery is characterised by numerous practical exercises, examples and real life case studies. Participants can expect a high degree of participation and interaction.  

Learning objectives:

  • Demonstrate familiarity with a bank’s financial statements and key ratios
  • Understand key accounting standards and how a bank’s ratios are impacted by management estimates in applying these standards
  • Evaluate the risks a bank faces from the points of view of investors, creditors, counterparties and regulators
  • Analyse banks from the “top-down”, identifying potential macro/industry factors that impact performance
  • Apply frameworks to perform a “bottom-up” analysis of individual banks’ unique strengths and weaknesses
  • Undertake effective analysis of a bank's financial health, stability, and general credit worthiness as a borrower or counterparty


Session One, Introduction to Bank Financial Accounting and Reporting, assumes little or no knowledge of the financial statements of banks or other financial institutions.  

Session Two, European Bank Credit Analysis, presumes familiarity with accounting and finance concepts, as well as a working knowledge of banking business models and bank financial statements.


Simon Green


Simon graduated from Birmingham University and subsequently gained both an MBA and qualified ACIB. Simon has extensive experience as a commercial banker with Nat West, Chartered Trust (part of Standard Chartered) and Hill Samuel and as a trainer through BPP and his own training company GW Training. During his fifteen year banking career Simon has been involved in credit risk analysis and management; credit policy formulation; business development; relationship management and corporate recovery and restructuring.

He has a long banking experience, starting as a graduate trainee at Nat West and working as a manager in one of the bank’s first-ever corporate banking centres. Simon then moved to Chartered Trust where he was a senior credit analyst/credit manager. Beginning in a small specialist corporate banking and corporate finance team which, at the time, was involved in property investment and development, Simon became involved in the more specialist areas of stocking and leasing finance and also became a member of the bank’s regional credit committee. He then moved to Hill Samuel as a Corporate Banking Manager with specific responsibility for business development in the South Wales Region.

Simon was involved in formulating and establishing the bank’s strategy and policy for the region, as well as business development and relationship management. Following on from this role, Simon moved into the corporate recovery group where he successfully managed the recovery of a loan portfolio in excess of £400m.

He has over seventeen years' experience as a full-time trainer, covering a broad range of corporate banking areas, including credit analysis (both corporate and banks), cash flow analysis, financial modelling, documentation and legal issues, problem loan management, corporate funding, corporate strategy, fundamentals of corporate finance, and understanding accounts and accounting issues.During this time, Simon has been involved in major in-house training programmes at a wide range of international banks, insurance companies and supranational agencies. He has also run open course programmes and specific individual courses, delivered on a global basis. In addition to delivering professional training programmes, Simon has also been involved with several academic institutions and is currently an external assessor on the Cardiff University MBA Programme.

European Bank Financial and Credit Analysis Agenda

MONDAY, November 14th
07:30 am
Registration and Continental Breakfast Open:
08:30 am
  • • Review of the fundamental accounting principles and how they impact upon bank financial reporting
  • • Reporting requirements
  • • The annual report
  • • The use of spreadsheets
09:00 am
The Income Statement:
  • • Structure
  • • Revenue items
  • • Cost items
  • • Accounting for insurance income
10:45 am
The Balance Sheet:
  • • Structure
  • • Assets
  • • Liabilities
  • • Capital
12:30 pm
01:30 pm
Specific Accounting Items:
  • • Provisions and accounting for loan losses
  • • Financial instruments
  • • IAS 32 Presentation
  • • IAS 39 Recognition and Measurement
  • • IFRS 7 Disclosure
  • • IFRS 9 Financial Instruments
  • • IFRS 13 Fair Value Measurements
  • • Off balance sheet items
03:15 pm
Key Ratios:
  • • Calculation and use:
  • • Capital
  • • Assets
  • • Earnings
  • • Liabilities & liquidity
05:00 pm
Day 1 Concludes:
(End of Introduction to Bank Financial Accounting and Reporting Program)
TUESDAY, November 15th
07:30 am
Registration and Continental Breakfast Opens:
(European Bank Credit Analysis)
08:30 am
09:00 am
Risk Fundamentals:
  • • Developing a framework for effective analysis
  • • Intermediation v disintermediation
  • • Organisational structures and functional activities
  • • Types of banks and types of risk
  • • Gathering information
  • • Review of key accounting issues
10:45 am
The Macro Economic Environment and the Credit Cycle:
  • • Identifying economic exposures – geographical and sector
  • • Political risk exposure
  • • Key economic indicators
  • • The credit cycle
12:00 pm
01:00 pm
The Regulatory Environment:
  • • International, Europe specific, domestic
  • • Background to international regulation
  • • Transition from Basel I, Basel II through to Basel III
  • • Capital adequacy framework
  • • The three pillars
  • • Redefining capital
  • • Liquidity and leverage
  • • Potential impact of Basel III and implementation time table
02:00 pm
Industry Risk Analysis:
  • • Structure of the banking and financial services sector
  • • Relative importance to the domestic economy
  • • Competition
  • • Domestic regulatory structure
03:45 pm
European Industry Review:
  • • General Issues
  • • UK
  • • Germany
  • • France
  • • Spain
  • • Italy
  • • Netherlands
05:00 pm
Day 2 Concludes:
WEDNESDAY, November 16th
08:00 am
Registration and Continental Breakfast Opens:
(European Bank Credit Analysis)
09:00 am
Strategic and Operational Risk Analysis:
  • • Assessing banks’ strategies
  • • Product portfolio and market position
  • • Management
  • • Assessing the risk appetite
  • • Group structural issues
10:45 am
Financial Analysis and the Use of Key Ratios:
  • • CAMEL structure
  • • Analysis not narrative (avoiding elevator analysis)
  • • Capital
  • • Assets
  • • Earnings
  • • Liquidity
  • • Peer group analysis
12:15 pm
01:15 pm
Capital Adequacy Solutions:
  • • Asset solutions
  • • Tier II capital
  • • Tier I capital
  • • The use of hybrid instruments
03:00 pm
Bank Distress/Failure:
  • • Defining key risk exposure
  • • Risk identification, control and monitoring
  • • Key reasons for failure
  • • Identifying early warning signs
  • • Creditor claims and ‘bail in’ regulations
  • • Levels of external support – explicit and implied
  • • Anatomy of a failed bank
05:00 pm
Program Concludes:

Ticket Info

£695 For Session One

£1,295 For Session Two

£1,795 Full Program

Event location

Tenter House

45 Moorfields, EC2Y 9AE

London, UK, GB

Your registration includes all master class work materials plus continental breakfast and lunch.

Group pricing discounts available.

Registration fee is subject to 20% VAT


Who Attends?

European Bank Financial and Credit Analysis is designed for those relatively new to this specialist area and for those who wish to build upon analytical skills developed to date in the work place. It is very practically orientated, with numerous exercises and real life case studies. Newer entrants to the banking sector workforce and those seeking a refresher in bank financial statements should consider registering for the full three day programme.

What is your cancellation policy?

Cancellations for this program are eligible for a full refund, less a £100 administrative fee, if received at least 15 business days prior to the start of the program. Cancellations received after that date but at least 5 business days prior to the start of the program receive a credit in the amount of the registration fee, less a £100 administrative fee, to attend another Knowledge Center program within 13 months. Cancellations received fewer than 5 business days prior to the start of the program are not eligible for a refund or credit. Attendee substitutions from the same company may be made at any time.

In the event of a cancellation from a group discount, refunds or credits are issued beginning with the most heavily discounted price, minus a £100 administration fee.

"No shows" – or those who cancel within 15 days of the program – and have registered under the Invoice option, remain liable for the full program fee.

The Knowledge Center reserves the right to cancel/change programs, content, speakers or venue at any time. The Knowledge Center reserves the right to make portions of the program registration information available to program sponsors. The Knowledge Center will not be held liable for any costs incurred by registrant due to individual registration cancellation. In the event that a seminar is cancelled due to inclement weather, faculty cancellation or force majeure, the Knowledge Center will refund the registrant's tuition in full, however the Knowledge Center  will not be liable for incidental or consequential out of pocket expenses incurred by the registrant. If you have questions regarding the Knowledge Center  refund, complaint or program cancellation policy, please call us at (434) 951-7786.

Registrant, as an individual person attending a Knowledge Center conference, seminar, or other program, hereby grants permission to the Knowledge Center to use and publish his or her image, likeness, or testimonials collected in connection with the program for advertising and trade purposes in connection with the Knowledge Center’s conferences, instructional, and/or marketing activities.

Mar 09, 2016