Assessing SME cashflow in a Covid environment

Event Details

€95 for members and €115 for non members

Date and Time

Wed, 28 April 2021

09:30 - 12:30


Online Via Zoom

Register for this event

If you are interested in registering for the event, please complete the form below

An error has occurred

Data Protection Notice

About this data protection notice

This is a statement of the practices of The Institute of Bankers in Ireland, 1 North Wall Quay, North Dock, Dublin 1 (trading as IOB) (‘the Institute’, ‘we’, ‘us’, ‘our’) in connection with the capture of personal data on this webform and the steps taken by the Institute to respect your privacy.

The Institute is a Data Controller and is committed to protecting your rights and any personal information which you provide to the Institute will be treated with the highest standards of security and confidentiality, in accordance with Irish and European Data Protection legislation.

The privacy notice explains the following:
  • What information do we collect about you?
  • The purpose for collecting your personal data
  • The legal bases for collecting your personal data
  • Are you required to provide the information?
  • How we store and secure personal data?
  • Details of third parties with whom we share personal data
  • What are your rights?
What information do we collect about you?

The data we collect from you will be used by the Institute only in accordance with the purposes outlined in this privacy notice. We will collect your data via webform on

The data collected in this webform will be shared with the following areas of the Institute:

  • Programme Management Department
  • Marketing Department
  • Lifelong Learning Department
The purpose for collecting your data

The data we collect about you will be used for:

  • providing information on the programme(s) for which you have completed an expression of interest webform;
  • notifying you of promotional events related to this designation(s) or programme(s) e.g. Programme Taster Lectures, IOB Open Evening; and
  • advising you of upcoming application and registration closing dates for this designation(s) or programme(s)
The legal basis for collecting your data

For the purposes outlined in this privacy notice your personal data will be processed on the basis of Explicit Consent.

By submitting this webform, you confirm that you are providing your informed consent to the processing of your data as outlined here.

Are you required to provide the information?

We require you to complete the mandatory fields identified in this webform for the purposes outlined above. If you do not provide us with the information required in these fields, we may be unable to process this Expression of Interest form.

How we store and secure your data

Any data we collect from you will be stored confidentially and securely. The Institute is committed to ensuring all accesses to, uses of, and processing of Institute data is performed in a secure manner.

In keeping with the data protection principles, we will only store your data for as long as is necessary to provide our services to you and for such a period of time after this as is necessary to comply with our obligations under applicable law and, if relevant, to deal with any claim or dispute that may arise in connection with our relationship with you.

For the purposes described here we will store your data for one calendar year from the date you submit the webform. Before the end of this calendar year, we may contact you to ask if you wish to re-confirm your consent to the storing and processing of your data for the purposes outlined above.

When we store your personal data on our systems the data will be stored on the Institute’s secure I.T. platforms within the EEA which are also subject to European data protection requirements.

Details of third parties with whom we share personal data

The Institute will share your data with third parties where necessary for purposes of the processing outlined here.

We will share your information with our service providers (e.g. printers, I.T. support, auditors, legal advisors, and other professional advisors).

We may also disclose your information where required by law to do so.

Your information will not be shared with any other third parties.

When we share your data with the third parties outlined here the Institute will ensure that the data is only processed according to our specific instructions and that the same standards of confidentiality and security are maintained. Once the processing of the data is complete any third parties with whom data was shared will be required to return the data to the Institute save where they are required to retain it by law.

What are your rights?

You have the following rights, in certain circumstances and subject to applicable exemptions:

  • You are entitled to ask for a copy of the personal data, which IOB holds about you.
  • The right to have any inaccuracies in your personal data amended.
  • The right to object to the processing of your personal data.
  • The right to have the personal data that we hold about you erased.
  • The right to restrict the processing of your personal data.
  • The right to receive your personal data, which you provided to us, in a structured, commonly used and machine-readable format or to require us to transmit that data to another controller.
  • You have the right to withdraw your consent at any time.

If you have any queries relating to the processing of your personal data for the purposes outlined above or you wish to make a request in relation to your rights, you can contact the Institute’s Data Protection Officer using the contact details below.

If you are unhappy with the way in which your personal data has been processed, you may in the first instance contact the Institute’s Data Protection Officer using the contact details below.

IOB has a Data Protection Officer who can be contacted through [email protected] or by writing to:

The Data Protection Officer, IOB, IFSC, 1 North Wall Quay, Dublin 1.

If you remain dissatisfied then you have the right to apply directly to the Data Protection Commission for a decision. The Data Protection Commission can be contacted at:

Data Protection Commission
Canal House
Station Road
R32 AP23 Co. Laois

The Institute of Bankers in Ireland (a company limited by guarantee) trading as IOB

Registered Number: 197171
Registered Charitable Organisation
Charity Registration Number: 20026950
CHY Number: 10530

P: +353 (0)1 6116500
F: +353 (0)1 6116565
E: [email protected]

Privacy Statement
Terms and conditions

There are no non-member places available on this event. Would you like to become an IOB member?

There are no places available on this event. Please contact us for more information.

Are you an IOB member?

Event Details

€95 for members and €115 for non members

Date and Time

Wed, 28 April 2021

09:30 - 12:30


Online Via Zoom

Event details

This is a practical workshop on assessing SME cashflow ability to repay in a Covid environment.

It will provide good learnings for anyone involved in working with SME businesses, which are the backbone of our economy.  

There are many uncertainties about cashflow ability to repay, its role and its relationship with profit. We will take a practical, business focused look at SME business cashflow ability to repay.

In the workshop we will use a case study approach to ensure it is practical and applicable to current needs.  We will get you engaging productively and practically around issues.

Who would benefit from the workshop?

The workshop is designed for, but is not limited to:

  • Business Lending/SME relationship managers and their lending portfolio support staff

  • Business Credit underwriters

  • Loan administration and credit policy officers

  • Accountants, lawyers and other professionals who provide Business/SME advisory services

  • Credit review staff who are responsible for ensuring that lending and credit delivery standards are complied with

  • Internal audit staff who assess whether the credit management standards are fit for purpose and are being complied with

  • Credit portfolio managers who are responsible for managing loan books, forecasting loan losses and estimating provisions

  • Marketing staff who design and promote credit products

  • Financial control staff with responsibility for budget setting, capital allocation, financial performance evaluation and financial/regulatory reporting.

Topics covered

  • In this online workshop we will overview the following:

  • Positioning cashflow in the credit decision

  • The profit story.

  • Why is profit alone not a good enough measure of repayment ability.

  • The role of the Cashflow Statement

  • The journey from profit to cash available for repayment

  • Three useful measures of cashflow repayment ability

  • Examining the repayment ability of a manufacturing business

  • Examining the repayment ability of a retail business

  • Questions

The event will be held over Zoom. Please ensure you have access to Zoom in advance of the event taking place. Zoom is available on all PCs, laptops, tablets and Apple or Android devices.

The registration for the event will close once we reach capacity or at 3pm the day before the event.

CPD hours are to be confirmed

Noel McArdle

Hands on work experience:

  • Experienced professional in financial services with over thirty years hands on experience in the following key areas: 1. Personal/Retail Lending 2. Business Lending 3. Management of distressed borrowings 4. Management of personal credit and business credit underwriting teams

  • Credit reviewer with the Credit Review Office. This is a government body to which SME customers can appeal bank lending declines and get an independent review plus assistance in seeking to overturn the decline decision.

  • I have established my own small business

Lecturing experience

  • Thirty years business and personal lending lecturing experience, developing/delivering credit and lending programs leading to UCD level 8 and 7 qualifications with IOB

  • Business credit risk assessment lecturer on Chartered Accountants Ireland FAE Financial Services elective

  • I deliver credit and lending courses for financial institutions including the main stream banks, credit unions and other financial institutions

  • One to one coaching for business and personal lenders

Professional Qualifications

  • B Comm (Hon's) UCD by night study

  • FCCA by night study

  • Fellow of IOB

  • QFA

  • Fellow of the Sales Institute of Ireland

  • Developing an Effective Working Relationship with Premium Small Business –from Durham University Business School

  • Senior Management Programme- Delivered by Harvard Business School

  • Coaching Course delivered by Simon Tyler and Sean Weafer

Noel McArdle