You do need some significant Photoshop experience, but I (hopefully) will be explaining it thoroughly so that maybe beginners can do it too. I use PSCS4. It is translatable as it only uses Curves.
1. Open up a 500x145 document, unfortunately some of the textures I use may only fit that size document, but I urge you to go FIND similar textures and ask me in a comment if they will have the same effects - or - if you want to be adventurous, play around with textures! That's always fun :).
2. Now, we're going to take a background texture. Background textures are important, and that's really where I get my ideas. If I start with a nice background texture (or a few), then my idea takes off. So we're going to use this beautiful, very colorful background texture:
Isn't it nice? This is going to be the basis for the colors, the idea etc.
3. Now I'm going to write Karim Benzema's number (10) in a simple font, but large. That's really all I'm going to tell you about text because I really want you guys to try it on your own. I may share the .psd, but generally I don't, because again this is not a "recipe" tutorial, it's a guide. :)
4. Now, we're going to get out our cut out of a person. If someone could provide a link to a cut-out tutorial, that would be most helpful, but I'll edit this if I find one on my own. Also, www.planetrenders.com/renders has a GREAT selection of cut-outs/renders to choose from, I recommend going there, and it's free! So I used one of Karim Benzema in his away colors (with Lyon). I smudged his shoulders (with the smudge tool which is classified with Blur and Sharpen tools) and a little bit of his right arm. Set this layer to Darken, 100%. Darken helps blend a layer with the background (as does Lighten), although sometimes you can lose body parts when you set it to Darken or Lighten - so be careful.
5. Next, I added some more text in Blue and Dark red, varying which colors I used.
6. Now we're going to make a new layer. With your 100-200px soft brush, brush in a strategic (I used half on my cut-out, half to the side) place in a BRIGHT color that fits your person (what he/she's wearing, etc.). I used Red. Set this to Screen, and lower the opacity if needed.
7. Take this texture, which will add some much needed character and pattern to the banner:
Set to Color Dodge, I lowered the Fill to 50%, and left the opacity as is. But it really depends on the image. Erase where the render is, because we don't want it to mess up the focal and make the stripes the focal point instead.
8. Take this texture, which is going to add a change of direction in terms of colors to the banner:
Set this to Screen, 100%, and move it so that the entire texture isn't covering everything. Place it nicely, where YOU think it looks good, because that's what matters. I erased some of the sides of it so it wasn't too overpowering, and also erase so until it's nicely blended.
9. Take this texture:
This is going to add some vibrance to the text (that's where I placed it, if you see a more strategic place, by all means put it there). Set to Screen, 100%.
10. Now, make a few brush strokes with your 100px soft brush across the middle of the banner, for me it's the render/cut-out and text area. I used the color: 192c51. Set this to Screen, 100%, and you should get some bright (blue in my case) color that brightens up the middle area.
11. Now just to make this banner a lot more interesting and the focal more ... focalish, make 2 new layers. On the first layer, brush once on the side in BLACK (#000000) with your 200-300px soft brush and do that for the other side in the second layer. And yes, leave this on Normal, 100%. NOTE: you must leave the text and person visible because that's your focal point.
12. Take your 100px soft brush in white, and brush once at the top of the banner - I did it on my render's head. Leave this layer on Normal, 100%.
13. Now, we're going to add a Curves layer. Curves can either brighten or darken up your image. I wanted my image slightly brighter, but not too much. Play around with it, but just in case, here are my settings:
First point: 120, 111
14. It still wasn't bright enough. So now we're going to use the dodge tool. I LOVE dodge tool. But like every other tool - don't overdo it. If you brush too many times, it will become too bright. The dodge tool is basically a brush tool except it's designed to brighten CERTAIN parts of your image, hence the fact that you can brush instead of using an adjustment layer. And just for future reference - the burn tool is the same idea except it's for darkening an image. It helps to not get the two (2) tools mixed up. So I brushed in the dark spots on my focal, and after I was satisfied, I added a border.
And you're done! Hope this wasn't too badly explained. :D