Financial Decision Making for Bankers Course in Doha, Qatar

Financial Decision Making for Bankers focuses on the decisions bankers make every day: whether to lend, how to structure and price a facility, and how individual transactions affect the bank's capital, liquidity and profitability. Participants analyze corporate borrowers' financial statements and cash flows, assess repayment capacity, and apply risk-adjusted return measures. The course also explains asset and liability management, interest rate risk in the banking book and the Basel III framework, so that frontline and middle-office staff understand the wider balance sheet impact of their choices.

The program is case-driven. Learners work through credit applications, build cash flow projections, calculate pricing using cost of funds, expected loss and capital charges, and debate approval decisions in committee-style exercises. Islamic banking structures are discussed where relevant to financing decisions. The course can run as an in-house program for a bank or financial institution, with cases adapted to its client segments, credit policies and product range, and with sensitive internal data kept within the organization.

By the end of this course, participants will be able to:

• Analyze corporate borrowers' financial statements and cash flows to assess repayment capacity

• Structure credit facilities with appropriate covenants, security and tenor

• Price loans using cost of funds, expected loss and capital consumption

• Apply RAROC and related measures to evaluate relationship profitability

• Explain how Basel III capital and liquidity ratios constrain lending decisions

• Assess interest rate and liquidity risk within asset and liability management

This course is aimed at banking professionals involved in lending, risk, treasury or relationship decisions.

• Corporate and commercial relationship managers

• Credit analysts and credit risk officers

• Treasury and ALM staff

• Branch and business banking managers

• Risk management and finance professionals in banks

Module 1: Analyzing the Borrower

• Financial statement analysis from a lender's perspective

• Cash flow analysis and debt service coverage

• Industry, management and business risk assessment

• Early warning signs of credit deterioration

Module 2: Structuring Credit Facilities

• Matching facility type and tenor to the funding need

• Financial covenants, security and guarantees

• Conventional and Islamic financing structures

• Writing a clear credit recommendation

Module 3: Pricing and Profitability

• Funds transfer pricing and cost of funds

• Probability of default, loss given default and expected loss

• Risk-adjusted return on capital (RAROC)

• Measuring customer and relationship profitability

Module 4: Capital and Regulation

• Basel III capital components and buffers

• Risk-weighted assets and capital consumption

• IFRS 9 expected credit loss staging

• How regulation shapes lending appetite

Module 5: Balance Sheet Management

• Asset and liability management principles

• Interest rate risk in the banking book

• Liquidity Coverage Ratio and Net Stable Funding Ratio

• Stress testing and scenario thinking

Banking is a central pillar of Qatar's economy, financing infrastructure, energy, real estate and a growing private sector, and operating under the supervision of the Qatar Central Bank. Qatar's market includes both conventional and Islamic banks, so bankers must understand a range of financing structures. Sound credit and balance sheet decisions protect financial stability and channel capital towards productive investment, supporting the economic diversification and private sector growth set out in Qatar National Vision 2030.

Join a scheduled class at our training center in Doha or attend live online. For organizations, the course can run as an in-house program at your premises or online, tailored to your sector, case studies and timetable.