Analysis of Financial Institutions

New York Institute of Finance


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Analysis of Financial Institutions

Qualitative and quantitative analysis of financial institutions and how it differs from analyzing a corporate entity.

CPE Credits: 14

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Module 1: Macro Market Overview

  • Demystifying the Banking Industry
  • Trends/Issues in the Banking Industry
  • The Banking Industry Outlook
  • Why do banks and financial institutions fail?
  • A Bank's performance indicators

Module 2: Deconstructing A Bank's Financial Statements

  • CAMEL analytical method
  • Measures of financial condition
  • Income and Expenses - Key Categories
  • Understanding a bank's earnings and profitability
  • Comparing key indicators to peers
  • Evaluating core assets and liabilities
  • Understanding the relationship between funding and liquidity

Module 3: The Nature of Capital

  • What is Capital?
  • What are the hidden costs of Capital?
  • Basel Capital Models
  • Basel definitions of Tier 1 and Total Capital
  • Basel II highlights
  • The adequacy of 'Capital Adequacy'
  • Capital as a performance Indicator
  • Global Reactions to 'Capital Adequacy'
  • Calculating risk based assets
  • The concept of RAROC

Module 4: Objectives of Financial Institutions Risk Analysis

  • Bank Regulation and Due Diligence
  • Credit Risks
  • Liquidity Risks
  • Interest Rate Risk
  • Financial Leverage

Module 1: Structural Risk and Advanced Risk Management Indices

  • Review of Bank Risk Exposures
  • Key Industry Risk Ratios and Statistics
  • Merger Mania and Strategy
  • Generic Typology of Bank Characteristics

Module 2: Analyzing Management

  • Management Responsibilities
  • Assessing Management
  • Management Quality and Corporate Governance

Module 3: Analyzing Earnings and Profitability

  • Factors that influence bank earnings
  • How banks manage earnings
  • Analysis of overall profitability
  • Ratio Analysis and measures of overall profitability and earnings
  • Evaluating Changes in Earnings and Profitability
  • Evaluating Interest Income and Non-Interest Income Components of Revenue

Module 4: Analyzing Asset Structure

  • Asset Quality and NPLs
  • How the Banking Credit Cycle affects Assets Quality
  • Qualitative Review of Asset Quality
  • Quantitative Review of Asset Quality
  • Key Asset Quality Indicators
  • Asset Quality Checklist
  • Provisioning, Loan Loss Reserves and Loan Classification
  • Liquidity and the Maturity structure of Assets

Module 5: Analyzing Liabilities

  • Bank Annual Reports and transparency
  • Liability Management
  • Core Deposits
  • Net position in Interbank Market
  • Central Bank Lines
  • Matching or Mismatching to Foreign Exchange
  • Long-Term Debts, terms, subordinated vs. unsubordinated
  • Vulnerability to sudden changes in the market (i.e. regulations, etc.)
  • Why Banks are Highly Leveraged
  • Capital vs. Liquidity: Insolvency Risk vs. Liquidity Risk

Module 6: Analyzing Equity

  • Objectives of Capital Ratios
  • Importance of Capital Adequacy
  • Assessing Capital Adequacy
  • Implications of Basel
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