How does a bank work? How do customer business and risk business interact? What impact do the deposit and loan businesses have on the bank's success? Which impact does a growing fee business have on the bank's structure? How does the regulatory straightjacket "feel" in everyday bank management? The Banking Cyber*School provides solid, consistent and compact modern banking management education. The simulation software of the EU*Bank seminar confers such a vivid impression of practical bank management as to give rise to real-life emotions. Our Certificates and Advanced Certificates offer proof of university-level education. In 2008 we will start to have our risk/return-oriented banking education programme translated into EU-accession country languages.
According to Finance Trainer's philosophy "any true bank needs to aggregate risks in order to earn returns from market and credit risk". A bank that foregoes risk business becomes a mere broker. Hence the paramount importance of asset liability management. Its task is to hedge against a bank's basis risks and to generate additional revenues. It is a system that requires equilibrium (risk business without retail business foundation is not an alternative) and that requires an ever increasing amount of professionalisation due to the ever more evident encroachment of the capital markets. As the next step after the ALM*Bank seminar that conveys the state-of-the-art in interest and liquidity management we introduce our new Advanced ALM*Bank seminar which aims to integrate cash management, credit risk and the conscious diversification of risks into the ALM.
Basel II and ICAAP are a challenge in terms of costs, know-how and organisation. Therefore, it is in every bank‘s vital interest to turn these investments into revenues. To this end, equity management needs to be integrated into total bank management. Not only revenues, costs, investments and employees have to be planned and budgeted for but also equity and risk return per business unit. This requires suitable reports; the entire organisation has to be realigned towards new tasks and responsibilities; a culture of risk limitation needs to be introduced throughout the bank.
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