The Banking pathway taught in your sector's own jargon and scenarios. Seats from US$69 each, with baseline-to-exit competency measurement your CFO can audit.
The pain we fix
Relationship managers compete on rate because clients push on rate — but a loan that looks profitable at origination can be value-destroying once capital charges (RoRWA) and expected credit losses (ECL) are counted. Meanwhile operations and branch teams drive up the cost-to-income ratio with decisions that never touch a pricing sheet. Marginkraft teaches your non-finance managers the spread mechanics and capital logic behind the products they sell, support and promote.
Every pathway module is written in Banking jargon — because content in your sector's language is what makes it stick.
NIM
Net Interest Margin — the spread between interest earned on loans and interest paid on funding
NII
Net Interest Income — total interest revenue minus the cost of funds
Cost-to-income
The efficiency ratio — cents of overhead spent to generate each dollar of revenue
RoRWA
Risk-adjusted return on weighted assets — profit after the capital a loan forces you to hold
RWA
Risk-weighted assets — asset value adjusted for inherent risk to size capital buffers
ECL
Expected Credit Loss — proactive provisioning under IFRS 9 using PD, LGD and EAD
Fee income
Non-interest revenue that decouples earnings from the rate cycle
About 20 hours across 6 modules, each with plain-English explanations, a worked case study and a quiz. Plus a baseline and exit assessment to measure the lift.
How deposit mix and market rates drive the bank's primary profitability metric.
60 minThe efficiency ratio — where operational decisions land on the P&L.
75 minEvaluating loan profitability after regulatory capital charges.
90 minIFRS 9 provisioning — PD, LGD and EAD in plain English.
80 minBuilding non-interest revenue that carries less capital weight.
65 minGrowing NII and fee revenue through spread optimisation, product mix and cross-sell.
75 minBaseline and exit assessments show you the NIM, RoRWA and ECL fluency gain per team — in points, not anecdotes.
Learning completed alongside the day job, typically three to four weeks — no branch closures, no workshops.
Employees redeem their seat with a work email that matches your company domain.
Enterprise seats are US$69 each, with three months of access per learner and per-team competency reporting. Start with a pilot of five seats or roll it out company-wide.