Content Overview

 

Strategic Management in Banking is designed to help senior banking executives and board members reassess their strategies, given the rapid changes in banking – the outcome of the financial
crisis, final Basel III (Basel IV) regulations on capital and liquidity, bail-in debt, ultra-low interest rates, and digital disruption by FinTech companies. You will discuss relevant issues such as: options for strategic positioning after the global financial crisis; the use of big data; and digital disruption to deepen relationships in both retail and private banking; asset and liability management; and discuss strategy implementation and trust.

The Strategic Management in Banking programme draws on more than 30 years of research organised by the Centre for International Financial Services, a long-standing partnership between INSEAD and selected financial institutions. You will learn through financial institution case studies, group discussion and classroom teaching in the following key areas.

 

The future of the financial
services industry 

  • Value creation in banking
  • Organic growth vs. acquisition
  • International banking
  • Digital disruption (platforms, Fintech, TechFin, ecosystems)
  • Final Basel III (Basel IV), and special resolution regimes with bail-in debt
  • From baby boomers to millennials and Generation Z: new needs, new tools and new offerings

 

Asset-liability management

  • Value-Based Management
  • Profit centres and performance evaluation: Risk-Adjusted Return on Capital (RAROC) and economic profit
  • FTP and economic capital allocation: foundation and advanced
  • Control of credit and market risks

 

Private banking, wealth management and robots

  • Product design and performance
  • Private banking vs wealth managers: friends or foes?
  • New offerings (from robot advisors to digital brokers)

 

Corporate, commercial and investment banking
and platforms

  • To bundle or to unbundle?
  • Universal banking vs. specialised banking in the era of Fintech and TechFin
  • Dealing with platforms
  • Restructuring

 

Retail banking and peer-to-peer (P2P) lending

  • A new banking model?
  • To branch or not to branch?
  • Digital distribution, digital banking and Big Data
  • New behavioural products

ALCO Challenge

 

The ALCO Challenge is a computer simulation designed at INSEAD to recreate an international banking environment. Participants perform the simulation in teams, each team forming an Asset-Liability Committee to test and perfect their skills. The ALCO Challenge incorporates the latest financial techniques in profitability and risk management, taking into account the effects of taxation and Basel III capital and liquidity regulations.

The ALCO Challenge has five main educational objectives:

  • Value creation
  • Strategic pricing
  • Risk management
  • Negotiation
  • Teamwork.

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