The participant takes on the role of a senior manager in an European banking group, that recently acquired a retail bank in Brazil. He/she has been seconded to a branch the bank has chosen to become a ‘concept branch’ due to its location. The board of the banking group has asked for a review of the branch, to ensure that the initiative is a success. Information provided includes a branch P&L, product/customer information, employee issues, an internal fraud allegation, bad credit issues, local demographic data and industry trends. The participant has to analyse the information available and put forward recommendations to improve the branch’s performance. Options for the concept branch are suggested, with associated costs, and the participant has to choose between them.