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PLANNING AND CONTROL: CREDIT CARD PROCESS
 
     
  Summary Description  
  The workshop focuses on planning and control and the main drivers of performance and profitability measurement of the credit card business. It identifies the key elements of the consumer credit area’s balance sheet, income statement and profit and loss statements. It examines the revenue components, operating costs, costs of risk, loans and receivables, income and Risk-adjusted Return on Capital (RAROC).  
     
  Methodology  
  Presentations, exercises, group work and classroom discussion, groups create a simulated business plan for a consumer credit card operation, beginning with idea inception and a marketing proposal, which is then followed by the credit card structure and characteristics, covering cost structure and credit expenses, and business financials and economics.  
     
  Target Audience  
  All officers of the bank involved in the credit card process, which includes marketing, credit, collections and others  
     
  Main Topics  
 
Risk/reward – profit maximization vs. protection against credit and fraud risk
Revenue components of the credit card business and how they are reflected
  in profit and loss accounting
Operating cost components and their impacts
Components of the cost of risk and how they are reflected in income
  accounting and the balance sheet
Balance sheet components – loans, receivables, provisions, capital, and
  reserves
Interpretation of the components of financial and credit Management
  information system (MIS)
  The budget process using the bank’s own forms: preparing the annual budget,
  analysis of the impact of external factors on the budget and periodic follow-up
  to determine and assess possible variances.
Differences in calculations between financial and managerial accounting
Measuring business performance: Efficiency index, Return of investment
  (ROI), RAROC using the bank’s own measurements), Percentage of
  completion (POC) and others
Tying all concepts together: integrated analysis (practical exercise:
  Simulating the Budget Cycle)
 
       
 
  Duration  
  3 days  
     
   
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