HOME > OUR THINKING > Banking & Financial Services > EVENTS

European Bank Financial and Credit Analysis

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

A dramatic 2017 has made way for a challenging year ahead. Who can predict what will transpire this year and beyond? No doubt, banks will have to tackle a plethora of challenges linked to the increasing role of EU regulators. In particular, the issue of regulatory/supervisory convergence in the Eurozone – will this help to foster cross-border consolidation (something that has been called for in the banking sector specifically)? Add to this disruption in models, technologies and accounting principles (IFRS9), with new competitors on the horizon and political uncertainty in major European hubs.  Now is the time, more important than ever, to develop the key skills for analyzing banks.

European Bank Financial and Credit Analysis gives you the foundational framework to help you succeed in the endeavor.  We will teach you frameworks for analysing the industry and individual institutions from the top down, and from the bottom up. You'll learn what lenses to apply and how to apply them.

Coursework for the programme is a balanced mixture of formal teaching, open questions, brainstorming, presentations and exercises, plus real life examples and case studies. Participants work in groups, with the room arranged in cabaret style. You can expect to rotate around the room and be looked to for a high degree of participation.

There is an additional benefit as well; European Bank Financial and Credit Analysis provides an opportunity to meet peers from across the financial services industry., including investment banks, asset managers and commercial banks. 

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

Capital City Training

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

TUESDAY, April 24th
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)
WEDNESDAY, April 25th
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
THURSDAY, April 26th
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

Standard Price:

£695 For Session One

£1,295 For Session Two

£1,795 For Full Program


Event location

ETC Venues, 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

Downloads & FAQs

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?

By registering for the S&P Global Market Intelligence ("SPGMI", "our") program, you agree to the following Program Conditions, Refund Terms, and Privacy Consent.


SPGMI, its affiliates, and third-party providers offer these programs with the understanding that SPGMI is not providing any professional advice and assumes no liability whatsoever in connection with the use of its materials. SPGMI reserves the right to (i) make portions of the program registration information available to program sponsors; and (ii) to cancel or change programs, content, speakers or venues at any time. Full payment must be received by SPGMI prior to the start of the program. Attendee substitutions from the same company may be made at any time; however, SPGMI reserves the right to decline registrants at any time for any reason.


SPGMI offers a tiered cancellation plan. These Refund Terms set forth the conditions for when you may be eligible to receive a refund, which generally is the program fee less an administrative fee. SPGMI will not be held liable for any costs incurred by registrant due to individual registration cancellation.

You may be eligible to receive a full or partial refund if the following conditions apply:

  1. Full Refund: In the event that a program is cancelled due to inclement weather, faculty cancellation or force majeure, SPGMI will refund the registrant's tuition in full, however SPGMI will not be liable for incidental or consequential out of pocket expenses incurred by registrants.
  2. Partial Refund: If you cancel fifteen (15) days or more prior to the start of the program, you will receive a refund of the program fee less a £100 administrative fee.

You may not receive a refund if the following conditions apply:

  1. No Refund: You are responsible for the full program fee if any of the following conditions apply:
    • No Shows: If you do not attend the program, you are responsible for the full program fee and will not receive a refund.
    • Late Cancellation: If you cancel less than five (5) days before the start of the program, you are responsible for the full program fee and will not receive a refund.
  2. Program Credit: Eligible registrants who cancel after the date in paragraph b, but at least five (5) days prior to the start of the program will receive a credit of the program fee less a £100 administrative fee. This credit may be applied to future programs but registrants will not receive a refund.


I certify that the information provided in the above profile is current and accurate. By submitting the information and registering to services provided by S&P Global Market Intelligence, LLC ("SPGMI", "our"), I understand that in order to be provided access to the SPGMI services, SPGMI:

  • May transfer the personal data associated with my user profile to locations outside of the jurisdiction where the personal data was collected, including the United States, and other countries;
  • May share the personal data with our affiliates and vendors to perform services on our behalf, or on the behalf of our sponsors and speakers, and may distribute materials or information to you and such affiliates, vendors, sponsors, and/or speakers who may be located in a country other than where the personal data was collected; and
  • May use the personal data to facilitate and monitor my use of SPGMI’s services and otherwise in accordance with SPGMI’s Privacy and Cookie Notice

By clicking, "I accept" I hereby consent to such transfers, sharing and use of my personal data. Failure to consent will result in the inability to access the SPGMI services.


If you have questions regarding S&P Global Market Intelligence Terms of Registration, please call us at +44 (0) 207 176 9100.

Mar 09, 2016