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Using recent empirical findings from an in-depth study in the Financial Services Sector in the UK, this article provides new insights into the association between training and learning from the individual's perspective. The analysis provides an account of the perceptions of individual managers across three Retail Banks regarding the role, significance and impact of training as a learning opportunity and shows the multiplicity of factors affecting whether individuals actually learn from training. The findings challenge some of the assumptions which have guided our thinking in the management training and development field. The implications of the findings for research and practice are considered.