1. ALMA Education Financial Services Management Development Ltd.

2. ALMA : Education ALMA Member Objectives Elements Involvement New Entrants Fundamentals Continuing Advanced Development 3 Day Practitioners Topical Basics Various eg “IRRBB” eg 1 Day Practitioner 2000 “Understanding Bank ALM” 3 day “Managing the Group B/S” 3 day Education Committee 2003 New 2011 +

3. Fundamental and Advanced Courses Managing The Group Balance Sheet (2003) …understanding b/s dynamics as bank responds to change… Industry drivers of change Understanding Bank A.L.M. (2000) …broad understanding of ALM linkages for new entrants… Overview of banking & ALM Liquidity Interest risk Capital Product support Business profile /ALM Strategies Regulatory / market issues Merger issues Planning and stress testing Business Models ALM links to shareholder value

4. Course Practitioner-Tutors  Understanding Bank ALM - Liquidity - concept based - Interest risk - 3 practitioners…. 3 x ¼ days - Capital  Managing the Group Balance Sheet - ALM group strategies - case based - Regulatory / market issues - 6 practitioners….6 x ½ day - Mergers: ALM impact - Planning / stress testing - Contingency / resolution - Business model /ALM/ RoE  IRRBB (2011) - exercise based - 1 practitioner……1 x 1 Day  Practitioners  Practitioner - TVM - Quantifying exposure - Managing risk

5. Training: 2012 Schedule  Understanding Bank A.L.M. # 23 12 - 14March 2012 # 22 12 - 14 September 2012  Managing the Group Balance Sheet # 10 22 - 24 February 2012 * # 11 21 - 23 November 2012  IRRBB # 4 26March 2012 * # 5 25June 2012 * ● ● ● about linkages ● ● ● ● ● ● about dynamics ● ● ● ● ● ● about topical basics ● ● ●

6. Future Training Development ? Element Focus Delivery Managing the Group Balance sheet Understanding Bank ALM new Back-to-Basics Management Dynamics Face-to-Face (pre-course reading) (pre-course study) Face-to-Face (self-study) Understanding Linkages Face-to-Face Building block mechanics & Applications Response to demand anticipating need

7. Know - How: Explicit - Implicit