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Understanding Bank Performance
Providing a Strong Foundation for the Next Generation of Bankers - 8 Part Training

February 14, 16, 22, 23, 28, 2023 March 2, 7, 9, 2023

A BankWebinars.com Program

Click Here to register for live program $1650 Includes 30 days on-demand playback

Built as a virtual program, UBP offers unique flexibility, allowing your organization to implement it in the way that best fits your culture, whether it becomes part of your onboarding process or for management training.

Included Webinars

  • Understanding Bank Performance Part 1: Fundamentals of Financial Statements I
  • Understanding Bank Performance Part 2: Fundamentals of Financial Statements II
  • Understanding Bank Performance Part 3: Credit Metrics & Credit Quality
  • Understanding Bank Performance Part 4: Funding & Liquidity
  • Understanding Bank Performance Part 5: Capital & Bank Investments
  • Understanding Bank Performance Part 6: Risk & Return
  • Understanding Bank Performance Part 7: Capstone Overview
  • Understanding Bank Performance Part 8: Proforma Capstone

Series Details

Understanding Bank Performance Part 1: Fundamentals of Financial Statements I

February 14, 2023, 10:00 am CST

This session will focus on the basics of a bank’s balance sheet. By analyzing a sample bank balance sheet, participants will demonstrate an understanding of the institution’s primary sources of earning assets, funding liabilities and total capital. Participants will practice identifying potential risks and limitations on financial performance and will leave with an understanding of how leverage, risk management and asset allocation impact earnings and performance.

  • Develop a clear understanding of the relationship how assets, liabilities, and capital interrelate
  • Describe the different asset classes held by the bank
  • Identify primary funding sources
  • Understand risk-based capital

Understanding Bank Performance Part 2: Fundamentals of Financial Statements II

February 16, 2023, 10:00 am CST

Participants will analyze a sample bank income statement and relate it to the institution’s balance sheet. This session will address the differences between interest and non-interest income. Participants will learn how to analyze and explain a bank’s overall cost structure based on its balance sheet and income statement. The material covered will empower participants to interpret a bank’s financial statements and understand cash flow on both sides of the balance sheet.

  • Identify components of a bank’s income statement
  • Identify how a bank generates revenue and earnings
  • Discuss the major cost drivers
  • Connect the balance sheet with the income statement
  • Identify how risk management strategies impact overall performance

Understanding Bank Performance Part 3: Credit Metrics & Credit Quality

February 22, 2023, 10:00 am CST

Participants will examine credit metrics looking at typical types of loans, as well as specialized lending and the importance of credit quality. Participants will also examine risks related to asset mix concentrations to assess methods to achieve the greatest return at a given level of risk tolerance.

  • Understand the ratios that define how a loan portfolio is performing
  • Discuss the pros and cons of different portfolio types
  • Identify how risk is quantified and measured
  • Explain regulatory limits on portfolio concentrations

Understanding Bank Performance Part 4: Funding & Liquidity

February 23, 2023, 10:00 am CST

How efficiently a bank funds its earning assets is one of the single largest determinants of financial performance and is a critical component of an institution’s overall business plan. Participants will examine how funding strategies impact a bank’s overall liquidity and operational costs. Building on key concepts developed in earlier sessions, participants will arrive at a detailed understanding of how banks fund themselves and how various factors come into play in this process.

  • Develop a clear understanding of liquidity in banks
  • Describe how banks manage liquidity
  • Discuss funding strategies
  • Analyze the capital position and the impact it may have on financial performance

Understanding Bank Performance Part 5: Capital & Bank Investments

February 28, 2023, 10:00 am CST

This session focuses on capital components, strategies, attributes, structure and other factors that drive value. Participants will consider these topics from several different perspectives, first learning the basics and then progressing through increasingly complex analyses of the subjects covered. By considering how a wide array of variables interact with one another to affect performance, participants will arrive at a dynamic understanding of the role of capital in banking.

  • Develop a clear understanding of capital through analysis of the balance sheet
  • Discuss capital instruments, retained earnings, dividends, share repurchase
  • Identify and discuss the importance of capital ratios, regulatory requirements and valuation
  • Identify shareholder's risk in bank investment, merger, and acquisitions (M&A) activity

Understanding Bank Performance Part 6: Risk & Return

March 2, 2023, 10:00 am CST

Financial performance is a function of leverage, earnings, and expenses. As banks make decisions affecting each of these three factors, they also increase or decrease the risk of loss to shareholders and may impact the deposit insurance fund. Participants will gain a broad understanding of risk considerations as they relate to a bank’s financial performance.

  • Discuss risk management expectations
  • Understand various risks to your bank and mitigation strategies
  • Apply risk and return examples using scenario-based opportunities

Understanding Bank Performance Part 7: Capstone Overview

March 7, 2023, 1:30 pm CST

The capstone overview session will bring together the core lessons from previous sessions and prepare participants to test their mastery of the topics covered. Key performance indicators will be reviewed and capstone assignment criteria will be shared. Participants will be expected to assess various aspects of the bank’s performance and make suggestions related to increasing performance and managing risk.

  • Discuss key performance indicators
  • Describe the different asset classes held by the bank
  • Describe the bank’s general funding strategy
  • Analyze capital position and the impact it may have on growth

Understanding Bank Performance Part 8: Proforma Capstone

March 9, 2023, 1:30 pm CST

The proforma capstone overview session will bring together the core lessons from previous sessions. Key performance indicators will be reviewed using a proforma report generated from a real financial institution not previously considered during the course. Using the information in the proforma, participants will have the opportunity to assess various aspects of the bank’s performance and make suggestions related to increasing performance and managing risk.

  • Assess and analyze financial performance by working with data from real institutions
  • Become familiar with the ins and outs of balance sheets and income statements
  • Learn how to apply key performance metrics to the data presented in these documents
  • Deeper insight into the factors affecting performance
  • How performance may hinder or improve funding strategies and risk management
  • Review a bank’s financial statements to identify strengths and weaknesses
  • How to recommend changes for improved performance
  • Rate a bank’s performance

Faculty

Duncan Taylor

Duncan Taylor is the SVP and Chief Operating Officer for the Washington Bankers Association and serves as President of WBA Professional Services, Inc. He is a seasoned association management professional and is also an experienced small business and not-for-profit technology consultant. He’s a third-generation “accidental banker”, as both his mother and grandmother had careers at Washington Mutual. Duncan grew up around “the bank”, and it left an indelible impression on him as to the importance of the work the industry performs.