Are you looking for someone to help you with the First Bank Retail Banking Recruitment Bootcamp Case Study?  CaseStudyHelp has a team of professional Case Study Analysis Experts to assist students with their academic needs. You can Also Get Financial Assignment Help, Corporate Accounting Assignment Help, Accounting Assignment Help, and more. Get any kind of case study Analysis from professionals now. Book your order now!

A branch of ABC Bank is located in a rapidly developing commercial district in Southern Nigeria. The location has several distributors, supermarkets, pharmaceutical wholesalers, building-material dealers, transport operators, schools, hospitals, hotels, restaurants and residential estates.

Despite the opportunities within the location, the branch has experienced declining revenue and deteriorating asset quality.

The Branch’s Current Performance is as Follows:

Performance Indicator	Current Position
Total deposits	₦12.0 billion
Current accounts	₦2.4 billion
Savings accounts	₦4.8 billion
Term deposits	₦4.8 billion
Total risk assets	₦4.5 billion
Performing risk assets	₦3.6 billion
Non-performing risk assets	₦900 million
Annual revenue budget	₦1.50 billion
Revenue achieved after eight months	₦700 million
Active retail and SME customers	3,200
Inactive and dormant accounts	2,100
POS terminals deployed	420
Active POS Terminals	155

 

A significant portion of the branch’s risk assets are concentrated in five customers within the transport, building material and pharmaceutical sectors. Two of these customers are experiencing cash-flow difficulties, while another customer has repeatedly requested restructuring of an existing facility.

The branch also has a high volume of dormant accounts and inactive POS terminals. Customer complaints relating to delayed transaction resolution, failed POS transactions and inadequate relationship management have increased.

As an incoming Relationship/Business Manager you are given six months to restore the branch to profitability, improve asset quality and reposition the branch for sustainable growth.

1. Identify the major financial, credit, operational and customer-management issues affecting the
2. Calculate the branch’s:
   1. Current Loan-to-Deposit Ratio;
   2. Non-Performing Loan ratio;
   3. Revenue achievement percentage after eight months;
   4. Account activity
   5. POS activity
3. Assess the major risks arising from the branch’s loan concentration and recommend measures to reduce the risks.
4. Develop a practical recovery strategy for the ₦900 million non-performing portfolio without damaging viable customer relationships.
5. Recommend initiatives to improve revenue target achievement rate Not more than 10 slides