Pelatihan intensif Financial Statement Analysis For Financial Institution dua hari ini akan membahas secara menyeluruh bagaimana teknik dan aplikasi dalam menganalisa laporan keuangan perusahaan yang bergerak di sector financial. Dengan penyajian materi yang aplikatif, diharapkan peserta dapat memahami struktur dan pembuatan laporan keuangan, menguasai teknik menganalisa, menilai tingkat resiko serta kesehatan perusahaan.
OBJECTIVES
1. Memahami tingkat resiko pada setiap produk-produk dan lini bisnis yang ditawarkan oleh perusahaan dan refleksinya dalam laporan keuangan
2. Memahami karakteristik dan komponen dari laporan keuangan
3. Memahami peraturan-peraturan yang terkait dengan kebijakan prosedur pelaporan serta pengaruhnya pada laporan keuangan
4. Memahami variable-variabel yang harus dianalisa dalam laporan keuangan
5. Menguasai teknik menganalisa laporan keuangan dengan framework CAMELS (capital, asset quality, management, earnings, liquidity and sensitivity to market risk) untuk menilai resiko dan kesehatan perusahaan
COURSE OUTLINE
Financial Statement of Financial Institution
* Key Activities and Products Of Financial Institutions
* Business Models And Key Drivers of Performance
* CAMEL As Key Performance Indicators
* Relating The Business to The Balance Sheet and Income Statement
* Major Balance Sheet and Income Statement Components
Capital Adequacy Analysis
* Types of capital, reported book equity, adjusted common equity, hybrid capital
* Key drivers of capital : earnings, asset valuation, capital raising
* Risk weighted assets
* Interpreting Key Ratios
Asset Quality Analysis
* Types of credit risk, on and off balance sheet, accounting for problem loans
* Loan quality Analysis : portfolio analysis, problem loans (past due, non accrual and restructured loans)
* Reserve adequacy : provisioning levels, allowance, charge offs and recoveries
* Securitization assets : residual risk, servicing rights
* Key indicators of risk appetite : growth, underwriting standards, risk profile
Earings Analysis
* Types of income and expense, impact of earnings accrual and asset impairment policies, core and non core earnings
* Key drivers of earnings : net interest margin, fees and commissions, trading
* Ratios to measure quality and diversity of income, cost control, provision burden
Liquidity and Funding Analysis
* Funding sources, on and off balance sheet treatment for securitization
* Funding stability and liquidity : deposits, commercial paper, repos, inter-bank lines, senior and subordinated bonds, common and preferred stock
* Analyzing Key Drivers of Liquidity : volatility of liabilities, quality and liquidity of assets, contingency funding needs
Sensivity to Market Risk Analysis
* Valuation techniques for investments and derivatives-fair value through income statement, available for sale, held to maturity
* Risk in the securities and derivatives portfolios
* Value at risk and other measures of market risk : advantages and disadvantages.
Local and International Bechmarks for Key Performance Indicators
METODE
Presentation
Discussion
Case Study
Evaluation
