Banking Strategy: Evolution and Development in Emerging Markets
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(Course Id: 167030 | 1218 Views)Posted00UNK
Course Description
Banks in emerging nations face significant challenges in the current environment. These include: the regulatory capital requirements faced by all banks; a dearth of reliable data upon which to base credit decisions; a poor repayment culture and consequent over-reliance on collateral; competition from other banks; the challengers powered by FinTech innovation; and global banks with larger balance sheets.
Increasingly, banks operating in emerging markets find themselves subject to the same regulatory strictures as those in the developed world but without access to the same level of talent pool, technological infrastructure and treasury risk management products available in the G7. They also find themselves competing principally on price with other banks, putting pressure on net interest margins and profitability.
Forward-looking banking strategy should therefore be based more around fee-based business, the expansion of operations via technology and the use of agents to increase coverage in remote regions. This course will equip banking professionals with the tools and ideas to create new strategies and optimise opportunities for growth and development.
COURSE OBJECTIVES: On completion, you will be able to:
Appreciate the principal drivers of banking strategy in the modern era
Understand the critical difference between strategy and operational issues
Develop strategies based around fee-based products and services
Analyse the implications of regulatory capital and other strictures on strategy
Understand the potential for FinTech to reshape financial services
Appreciate HR’s crucial role in delivering strategic objectives
Understand the limitations of Net Interest Margin business in strategic growth
Course Structure
KEY TOPICS:
Developing SMART banking business strategies
Bank regulatory capital, liquidity and Stable Funding constraints
Future-proofing the organisation: developing a unique proposition
Business expansion: beyond a pure “bricks and mortar” approach
Principal fee-based banking business products and services
FinTech in banking, including Mobile Money and Blockchain
Strategic HR management: building organisational talent
