FOR : ALL PARTICIPATING RURAL BANKS
SUBJ : CREDIT RISK MANAGEMENT TOOLS: BRR and FRR
Dear Fellow Rural Bankers:
As part of the Rural Bankers Association of the Philippines (RBAP)
continuing strategy to strengthen the rural banking industry, the Rural
Bankers’ Research and Development Foundation, Inc. (RBRDFI), and in joint
partnership with SB Corporation, one the National Government largest
provider of SME development financing and small credit delivery system,
will be conducting two (2) days seminar on:
Course Title: Credit Risk Management Tools
A.Borrowers Risk Rating (BRR) / Facility Risk
Rating (FRR) Scorecard
B. Financial Statements: Analysis, Validation and
Speaker : Ms. Celenita V. Francisco
Banker / Bank Consultant / Trainor
Venue: RBAP Conference Room, RBAP Bldg., A. Soriano Ave., cor.
Arzobispo St., Intramuros, Manila
Schedule: September 13 – 14, 2012 (Thursday-Friday), 8:30AM -5:00PM
Participants: Senior & Middle Level Loan Officers / Auditors / Credit
Appraisal Officers, Credit Risk Officers
Participants from the trainings: Credit Risk Management for Bank
Directors and Senior Management or Strengthening Bank Credit Risk
Management are encouraged to attend.
To complete the credit risk management awareness and appreciation of rural
bank owners, officers, and staff by their adoption of a risk-based lending
technology and best banking practices in credit to address the increasing
pressure to expand and diversify their loan portfolio and address fast
changing banking regulations.
I. Regulatory Basis: BSP Circular 439
II. Refresher Course on Basic Financial Statements
(including ratio analysis)
III. Foundational Requisites for Proper Use of the BRR System
IV. Validating, Analyzing and Recasting
Financial Statements (including
V. CAMP Analysis/Borrower Risk Rating (BRR) System
VI. The Borrower Risk Rating
Scorecard: Risk Identification &
Mitigation and Credit Decision Making
VII. The Facility Risk Rating Scorecard (FRR)
VIII. Relationship between Borrower Risk Rating (BRR) and Facility Risk
Only one (1) participant per bank will be covered of reduce a registration
fee, since these training courses are on a 50% – 50% cost sharing with the
Small Business Corporation.
Acceptance of reservation is on first come, first-served basis; only forty
(40) participants will be accommodated.
a) Two Thousand Two Hundred Fifty Pesos only (P2,250.00)
Four Thousand Five Hundred Pesos (P4,500.00)
b) Five Thousand Four Hundred Pesos (P5,400.00) for non-member rural banks.
c) This is a live-out seminar. Seminar fee includes snacks, training kit
and certificate of attendance.
For your reservations, kindly observe our training policies:
1. Deadline for submission of registration is July 27, 2012.
a) confirmation sheet duly signed by the authorized representative.
2. A Non-Refundable commitment fee of P1,125.00 per participant. Payments
can be remitted to the Rural Bankers Research and Development Foundation,
Inc. bank account (Land Bank of the Philippines – Intramuros Branch
Savings Account Number 0012-1046-26). Proof of payment (i.e., deposit
slip) should be sent immediately for verification at (02) 527-2980. Check
payments, should be payable to Rural Bankers Research and Development
Foundation, Inc. (RBRDFI)
Download the Confirmation Sheet in PDF