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Applications must be submitted through the careers portal rather than by email, and interviews can be virtual, on-site or hybrid depending on the role. Each stage gates the next, so a candidate progresses programme-by-programme rather than through a single assessment day. For an applicant running a parallel slate of bank applications, the decision points here arrive stage-by-stage rather than in one block, and each successful stage is worth treating as the deciding gate it is.

The ITP runs across eight tracks:

• Analytics, Finance, Human Resources, Operations & Change
• Retail Banking, Risk, Technology, Wholesale Banking

Alongside the ITP, the firm runs local early-career opportunities at country level: local graduate programmes, internships, apprenticeships (including the German bank-clerk and dialogue-marketing apprenticeships) and dual-study programmes. Choosing between the ITP and a local route is itself a real decision: the ITP commits to two years of rotational depth across the bank, while a local internship or apprenticeship slots into a narrower business in a single country. The application clocks differ across markets, so a candidate weighing both should track the local country page for the specific opening.

The programme also runs eight tracks – Wholesale Banking, Retail Banking, Risk, Technology, Finance, HR, Analytics, and Operations & Change – broader than the IB-and-Markets-only graduate schemes typical of US bulge-bracket banks. The two-year, three-rotation structure differs from the more common one-year graduate scheme: a candidate joins with a track but moves through three different teams before final placement. For an applicant weighing a generalist banking start, this trades faster role specialisation for broader exposure across the bank and a built-in international mobility step that few peers offer by default.