(Available also for Customised Training by Duration, Venue & Fee)
What the Course Teaches
The participants will be equipped with knowledge and skills in the following areas:
i. Government policies on funding, monetary and fiscal policies
ii. Deposits mobilization techniques.
iii. Managing internal and external liquidity risks
iv. Knowledge of Rates Survey Process
v. Skills in Rates Risks Management
vi. Understanding of Assets and Liabilities Management (ALM)
vii. Managing Treasury and Money Market Risks
viii. Cost of Funds computation and Management
ix. Treasury Products: Development and Pricing
x. Basic Foreign Exchange Management
Course Contents
DAY ONE
Financial Environment
• Financial Environment in Nigeria
o Structure of the financial system
o Functions of the financial system
o Financial Participants
o Regulatory Environment
o Legal Environment
o Functions of the Main Regulators (CBN/NDIC)
o Financial Instruments
o Financial Markets
o Risks Environment
• Monetary and Fiscal Policies
• Interest Rate Economics
• Role of Treasury Operations.
Treasury Functions
• Government Policies
• CBN’s Monetary Policies
• Structure of Treasury Department
• Formulating Treasury Policies
• Critical Issues in Treasury Manual
• Funding Issues in a Bank.
Liquidity Management
• Components of Liquidity
• Measures of Liquidity
• Basic Liquidity Strategies
• Cash and Liquidity Requirements
• Impact of Liquidity on Profitability
• Maturity Ladder Matrix
• Planning a Bank’s Liquidity
• Liquidity Risks.
DAY TWO
Risks Identification and Management
• Treasury Risks Identification
• Environmental Risks
 Business Risks
 Documentation Risks
 Capitalization Risks
 Personnel Risks
 Character Risks
 Raw Material Risks
 Pricing Risks
 Processing Risks
 External Risks
• Managing the Risks.
Assets & Liabilities Management
• ALM Functions and Objectives
• ALM Techniques and Strategies
• Implementation of ALM Policies
• Requirement for Effective ALM
• Return on Equity (ROE) as a measure of effectiveness
• Regulatory Issues (Capital Adequacy)
• Loan and Deposits Pricing
• Transfer Pricing.
Deposit Mobilization Strategies
• Customers Profiles
• Competition Analysis
• Winning Strategies
 Focused Strategy
 Total Customer Service (TCS)
 Total Quality Management (TQM)
 Information Technology (IT)
Marketing of Financial Products
• Selling Pressure Points
• Winning Elements / Strategies
 Find a Need
 Consumer Needs and Competition
 Pricing, Quality and Promotion
 Products and Packaging
 Segmentation
 System
 People
 Dare to Win
 Closing Quiz
Deposits Products
• Savings
• Current
• Call
• Term
Money Market Products
• Treasury Bills / Certificates
• Bankers Acceptances
• Commercial Papers
• Bonds
Other Financial Products
• Capital Market
• Foreign Exchange
• Credit
• Electronic
• Transaction Risks
Development of New Financial Products
• Identification of competitive areas
• Market Research
• Products Development Team
• Costing and Pricing
• Launching
• Post Development Review
DAY THREE
The Balance Sheet Analysis
• Structure, Complexity and Analysis
• Off Balance Sheet Activities
• Impact of CBN Circular on Bas and CPs
• Asset Securitization
• Non-Interest Bearing Assets
Determination of the Cost of Funds
• Evaluating the Cost of Funds
• Marginal Cost Concept
• Marginal Cost in Transfer Pricing
• Controlling The Balance Sheet Costs
Domestic Operations
• Broad functions of operations
• The Back office and Front Office Concept
• Challenges of Domops and Trops
• Resources and Deliverables
Treasury Operations (TROPS)
• Functional analysis
• Local Deals – placement and takings
• NIBSS / RTGS Transactions
• CBN Transfers
• Open Buy Back (OBB) transactions
• Other Large Settlement.
DAY FOUR
Foreign Exchange Management
• Government’s Foreign Trade & Exchange Policy
• New Foreign Exchange Policies introduced by CBN in June 2016 to replace Dutch Auction System (DAS)
• FX Settlements
• Visible and Invisible Transactions
• Spot, Forward, Future, Swap and Option Contracts
• Interest Rate Futures
• Hedging Process
• Domiciliary, Nostro and Vostro Accounts.
