Consulting and Mentoring

Banking is still developing in modern times. Competition and new technologies force banks to be more efficient. In addition, the banking sector is facing strict regulation. The management of banks and their business models should therefore be constantly improved.

Bearning offers years of experience and a unique professional approach.  We are taking into consideration the current development and use of the latest technologies. Cooperation with our partners allows us to offer our clients specific solutions, in addition to standard consulting. We are used to complete our projects to the full satisfaction of our clients.

Bearning consulting focuses mainly on the following areas:

• Asset and liability management (ALM)
  • Internal prices FTP
  • Mapping of assets and liabilities in terms of liquidity and interest-rate risk
  • Managing bond portfolio of a bank and credit-spread risk
  • Quantitative planning and scenarios

For small banks - simple individual solutions based on MS Excel – customized models Bearning ALM_IRLQ

For medium and larger banks – implementation of ALM systems from our partners MORS software.

• Treasury and Financial markets
  • Treasury Organization and Rules
  • Treasury Sales and hedging products for bank clients

• Fintech
  • Implementation of modern technologies to improve processes
  • Fintech for Treasury and ALM

We use cooperation with our business partner Vacuumlabs, a leader in digital technology and product creation since 2012

• Bank regulation
  • Implementation of certain regulations, such as MiFID II, IRRBB, MREL

Mentoring

During Bearning mentoring programs, the lecturer responds to specific individual client questions (usually a bank manager), together looking for solutions to address the problem as efficient as possible. Bearning mentoring is aimed at explaining the issue and subsequent solutions for the bank, which, as far as possible, is later transformed into a project.

Fit & Proper

Referring the regulations of the European financial authorities (EBA and ESMA), bank managers must take responsibility and manage the bank effectively in accordance with the applicable regulation. This regulation foresees certain professional skills of bank managers, in particular:

• Strategic Bank Management - interpretation of financial indicators, the bank's business strategy and strategic planning
• Regulatory framework, e.g. capital requirements (CRR and CRD), the single Resolution mechanism (SRMR), the bank recovery and resolution (BRRD), the deposit guarantee Scheme (DSG), the markets in financial instruments (MiFID), the interest rate risk of banking book (IRRBB), and other
• Active control and compliance - identification of risks and management deficiencies, assessment of the bank's processes and mechanisms, control mechanisms and measures

We are pleased to provide you with the education and mentoring of your managers to Fit & Proper level, as well as the provision of a test and certificate (Bearning Certificate). Bearning Fit & Proper program are accepted by the central bank.

Cooperating with us will make your institution profit from our expertise in consulting practice and our banking experience. Our approaches are based on best practice and creating values so that processes become more efficient and cost-saving.