Archives for 2018

BSP Cir 941 & 963 Briefing – May 16-17,2018 – Hotel Jen

Briefing on
BSP Circulars No. 941 (Amendments to the Regulations on Past Due and
Non-Performing Loans)
and No. 963 (Bank Responsibility for the Generation and Timely Submission
of Required Reports to the BSP)

Date: May 16-17, 2018  (Wed –Thu)
Venue:
Ambassador Sala Room
HOTEL JEN -MANILA
3001 Roxas Blvd., Pasay City

Time: 8:30am to 5:00pm

Resource Persons:
Junell Aian Castaneda
BO-V, Examination Dept. III
and
Ms. Katrina Constantino
SSE -I , SDC
of  the Bangko Sentral ng Pilipinas

Seminar Fee:
1. Regular Rate – P3,000.00
2. Non-Member/Delinquent – P3,500

Mode of Payment
•       A Non-Refundable commitment fee of P1,800.00 per participant.
•       Bank account (LBP – Intramuros Branch Savings Account Number 0012-1046-26).
•       Proof of payment fax to (02) 527-2980.
•       Check payments, should be payable to (RBRDFI).

Seminar Methodologies
Lecture and Discussions

Expected Participants
President, Director, Credit Risk Officer Compliance Officer, Loan Officer,
and Branch Manager

Topics/Coverage:

DAY 1

I.   Rationale for the Issuance of Circular Nos. 855 and 941
II.  Key Changes
III. Overview of Sound Credit Risk
Management Practices, with specific focus on:
a)  Credit Granting Process (Credit Grading/Scoring System)
b) Loan Loss Methodology for Retail/Homogenous Loans

IV.  Redefinition of Past Due and Non-Performing Loans (Credit Workout)

DAY 2

I.      Rationale for the Issuance of Circular No. (963)
II.     Context Setting – use of information received by the BSP through
prescribed reports.
III.    Overall Framework of Operational Risk Management under Circular 900
IV.     Current Issues and Challenges
V.      Circular 963 Proper
VI.     Open Forum

Download Circular

Internal Credit Risk Rating System Workshop – May 11-12, 2018 – Bayanihan Hall

INTERNAL CREDIT RISK RATING SYSTEM WORKSHOP

Date: May 11-12, 2018 (Fri-Sat)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
MA. CRISTINA M. FAROL
Chief Risk Officer, Credit & Trust Officer, Bank Consultant Trainer,

SEMINAR FEE
1. For Member –  P3,800/per person
2. Non-Member/Delinquent –  P4,200 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P1,600.00 per participant.

Bank:  LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax  (02) 527-2969 /527-2980

DEADLINE TO SUBMIT REGISTRATION: May 04, 2018.

Course Objectives

1.Understand the importance of having an internal credit risk rating
system (ICRRS) to help mitigate inherent credit risks that the Bank is
exposed to from its lending activities.
2.Have an appreciation of how the ICRRS can identify and assess the risk
profile of each borrowing account.
3.Use the ICRRS as a basis of loan approvals for renewals and new loan
accounts overview, as part of the risk controls and mitigation strategies
of the Bank

Seminar Methodologies
Lecture, Discussions, and Workshop: computations and interactive exercises

Expected Participants
Loan Officers, Account Officers, Managers, Appraisers, Sales Officers,
ROPA Managers

Course Outline

• What is Credit Risk? Credit Risk Management
– Credit Culture in the Philippines
-BSP Cir. 855 on the CRR
-Expectations on the Bank’s CRR
-BSP Cir. 941 on Past Due
Rcognition
-New Appendix 18 on Loan Loss
Provisioning

• Introduction of the CRR System
a.Purpose/Function of the CRR
b.Impact to Board Reports
c. Coverage of the CRR
d. Functions of People Involved
e.CRR Components
i. Borrower Risk Rating
ii. Facility Risk Rating
• Credit Review Process
a. Purpose of credit review
b. Stages of Credit Review Process
. Areas of Consideration in the Credit Review Process
d. Loan Loss Provisioning
e. Credit Review Reporting
f. Credit Review Responsibilities
g. CRR Monitoring and Reporting
h. Ratings Migration

• Guidelines in the Preparation of • Teaser on Financial Statement Analysis
• Sample CRR Templates as Guide for own Bank Formulation
a.Consumer Loans CRR
b.SME/Business Loan CRR
c. Identification of Red Flags
• Sample Simplified Version of CRR Template
a. Consumer Loans
b. SME Loans

Download Circular

Download Confirmation Sheet

Sound Credit Functional Framework Training – May 09-10, 2018 – Bayanihan Hall

SOUND CREDIT FUNCTIONAL FRAMEWORK TRAINING

Date: May.09-10, 2018 (Wed-Thu)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON

MR. TITO TIRONES
– Bank & SME  Consultant/Trainer

SEMINAR FEE
1. For Member –  P3,800/per person
2. Non-Member/Delinquent –  P4,200 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P1,600.00 per participant.

Bank:  LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax  (02) 527-2969 /527-2980

DEADLINE TO SUBMIT REGISTRATION:  May 04, 2018.

Course Objectives

1)      To define and elaborate on each step within the credit process
including the persons involved in the process, as well as the duties and
responsibilities of each.
2)       To provide guidelines in the effective management of each credit
process; mindful of the risk Involved in order to provide mitigants and
controls.
3)      To identify the strengths and weaknesses of the credit approval and
monitoring process

Seminar Methodologies
Lecture, Discussions, and Workshop

Expected Participants
President, BODirector, Branch Managers, Loan Officers, Account Officers,
Appraisers, Sales Officers, ROPA Managers

Day 1

I.Credit Policy Principles
II.Credit Principles
III.General Lending Guidelines
IV.Credit Initiation
•       Target Market Definition
•       Solicitations
•       Roles and responsibilities of the Account/Lending Officer
•       Guiding Principles
V. Credit (pre-approval) evaluation
* Stages
*Roles and responsibilities
– Account/Lending Officer
-Credit Evaluation Officer
-Credit Investigator
-Credit Appraiser
*Guiding Principles
-KYC
-Financial Statement Analysis
-ICRRS
-Acceptable Collateral
-Documentary Requirements
-Credit Investigation
-Collateral

Day 2

1. Loan Packaging
*Stages
*Roles and Responsibilities of the Account Officer
*General Types of Loans
*Important Elements in the Credit Proposal
*Loan Valuation
*Pricing the Credit
*Guiding Principles
*Contents of a Credit Proposal

II. Documentation
III. Credit Approval
IV. Loan Disbursement
V. Credit Administration and Monitoring
V. Interactive Workshop – Applying Controls in Each Credit Phase

Download Circular

Download Confirmation Sheet

Compliance and Strategic Inputs: BSP Cir. 855, 941 IFRS 9, and Risk-Based Capital Planning – May 04-05, 2018 – Cebu City

Compliance and Strategic Inputs:  BSP Cir. 855, 941, IFRS 9 and Risk
–Based Capital Planning
May 04 – 05, 2018, Cebu Grand Hotel, Cebu
City

Dear Fellow Rural Bankers:

The Rural Bankers Research & Development Foundation, Inc., a lead provider
of capacity building for the RBAP members, in partnership with the SGV &
Co., the country’s leading professional services, developed a 2-day
training program that introduces the basic principles and tools underlying
with regulations, especially in the area of credit risk.

Set to promote best practices and strategies, it will cover critical
aspect of the regulatory issuances. Also, to provide technical competence
in terms of insights and theories of sound credit risk management, and
offer solution for its ongoing concerns.

EXPECTED PARTICIPANTS  – President/Directors, Credit and Risk Management
Officers, Loan and Remedial Management Officers, Compliance Management and
Internal Auditors

CONTINUING EDUCATION CREDIT
CPA attendees of this training-course are eligible for Continuing
Professional Education (CPE) credits.

Compliance and Strategic Inputs: BSP Cir. 855, 941, IFRS 9 and Risk –Based
Capital Planning

Schedule     : May 04 – 05, 2018 (Friday – Saturday)
Venue          : Cebu Grand Hotel – Vibo Place, N. Escario St., Cebu City
Registration Fee:
Member  –  P12,000.00 / pax
Non-Member/Delinquent – P13,200.00 /pax
LBP Savings Account :  0012-1046-26
Account Name:  Rural Bankers Research and Development Foundation, Inc

LEARNING OBJECTIVES
>       Have a grasp of the details of the BSP Cir. 855, 941  and IFRS 9
and its implications on operations and strategic directions;
>       Identify areas of improvement for their respective banks as far
as compliance to the regulatory issuances are concerned; and
>        Have an appreciation on the Risk-Based Capital Planning and its
appropriate opportunistic outlook on strategy and business plans of their
respective banks.

RESOURCE PERSONS

* CHRISTIAN G. LAURON, CPA, MFinance & MBA
Partner, Financial Services Office (FSO), Head of Financial Services
Risk Management group,
which focuses on risk modeling, data analytics, stress testing, Basel
II and III, IFRS and
among others

*MARY CATHERINE M. BILIRAN, CPA, MBA
Senior Manager, Assurance
Extensive experience in audit reviews of publicly listed commercial
banks, thrift banks, rural
banks and investment houses

*Russel Aaron Ailes, CPA
Senior Associate, Financial Services Risk Management
Comprehensive experience in providing consulting services involving
risk-finance management,
performance measurement, regulatory compliance and business process and
control reviews.

*RUBEN D. SIMON
Associate Director, Financial Services Risk Management
FSO-Advisory manager specializing on microfinance, agribusiness and
rural developments

To register, kindly fill-out the attached Confirmation Form and send to
jescepeda.rbap@gmail.comtraining@rbap.org  or via fax at (02) 5272980.
Payment must be deposited through RBRDFI Land Bank of the Philippines
(Intramuros Branch) Savings Account Number 0012-1046-26 on or before April
27, 2018.
We are looking forward to your active participation. Thank you.

Sincerely,

Antonio O. Pasia
Chairman

 

Download Circular

Download Confirmation Sheet

Bank Security & Protection – April 18-19, 2018 – Licaros Hall Intramuros

BANK SECURITY & PROTECTION

Date: April 18-19, 2018 (Wed-Thu.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Jason A. Domingo Intelligence Officer –II of NBI, Trainer and
Consultant for Banks Safety & Security Program

SEMINAR FEE

1. For Member  – P3,800 /person
2. Non-Member/Delinquent –    P4,200/person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,600.00 /pax is
required, but its deducted from the total registration fee.

Bank:  LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax  (02) 527-2969 /527-2980

DEADLINE TO SUBMIT  REGISTRATION: April 06, 2018.

I.         Objectives
For the participants to learn the Common Security Service Provision as
provided in the Manual of Bank Regulations (MORB) as amended in BSP
Circular No. 823, series of 2014. 


1.      Overview of the varied security concepts.
2.      Provide participants a rounded picture of the
risk and entity or corporation such as bank faces and how to properly
conduct risk assessment and analysis through the physical examination of a
facility and its operation.
3.      Explain the minimum qualifications for a Bank  Security Officer and
a security consultant relative to the implementation of a comprehensive
Bank Security Program.
4.      Learn a comprehensive Security Assessment
Plan as a basis for the Chief Security Officer in the discharge of his
duties and responsibilities.

EXPECTED PARTICIPANTS
President, Director, Compliance Officer, Risk Management Manager, Chief
Security Officer, HR Manager, Branch Manager

Course Outline

Part I. Introduction
a. Aspect of Security
1.Assurance
2. Countermeasures
a. Security Survey & Risk Assessment and Analysis
b. Minimum Security Matters
3. Defense in –depth
4. Exploit]

Part II. Bank Security Program
Guard System
Security Devices
Security Planning Consideration
Cash Transport
Cash Transport
> Bank Robbery Scenarios
> Basic Qualifications of a Bank Security Officer and Security Consultant
> Workshop on preparation for the Bank Security Program

Download Circular

Download Confirmation Sheet

Circular Letter No. CL-2018-016: Updated List of Accredited Rural Financial Institutions for the Purpose of Implementing the Agri-Agra Reform Credit Act of 2009 (RA 10000)

Confederation of Central Luzon Rural Banks

CCLRB Banner Mancon 2018

BSP Memorandum No: M-2018-008 – Guidelines on the Electronic Submission of the Basel III Liquidity Coverage Ratio (LCR) Report During the Observation Period

BSP Memorandum No: M-2018-007 – Guidelines on the Electronic Submission of the Minimum Liquidity Ratio (MLR) Report During the Observation Period

BSP Memorandum No: M-2018-006 – Guidelines on the Electronic Submission of the Basel III Liquidity Coverage Ratio (LRC) Report

BSP Memorandum No: M-2018-005 – Amendments to the Consolidated Daily Report of Condition (CDRC)

BSP Memorandum No: M-2018-004 – Implementation of Checkless Withdrawals for Banks Transacting with the Bangko Sentral ng Pilipinas (BSP) Regional Offices and Branches

BSP Memorandum No: M-2018-003 – Amendment to the Weekly Report on Required and Available Reserves Against Deposit Liabilities (WRRAR)

Financial Statement Analysis – A Tool in Credit Decision Making – Apr 05-06, 2018 – Bayanihan Hall

FINANCIAL STATEMENT ANALYSIS – A TOOL IN CREDIT DECISION MAKING

Date:
Apr. 05-06, 2018 (Thu.- Fri.)
Venue:
Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON

Ms. Maria Julma M. Jongco
– Financial Services Advisor/Consultant –(Bank, Insurance & SME), Trainer

SEMINAR FEE
1. For Member  – P4,400 /person
2. Non-Member/Delinquent –  P5,200/person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,200.00 /pax is
required, but its deducted from the total registration fee.

Bank:  LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax  (02) 527-2969 /527-2980

DEADLINE TO SUBMIT REGISTRATION: March 23, 2018.

This course will provide concepts, tools and techniques in analyzing
financial statement. The goal is to assist credit or investment decision
makers on their credit evaluation analysis.

Course Objectives
•       General concepts on tools and techniques in financial report analysis
and their application to specific cases
•       Recognize the interrelationships among the relationships among the
numbers in the financial statements using spreadsheet template
•       Draw intelligent conclusions on the results of financial performance.

Methodologies
The course will use combination of lecture, hands on spreadsheet tutorial,
financial statement preparation and analysis from various sample business
cases

Expected Participants
Marketing & Business Dev. Officer, Loan Officers, Account Officers,
Remedial & Credit Officers, Branch Managers

Course Outline

DAY 1

* General Accounting concepts and principles relevant to financial
analysis.
* Critical areas in evaluating financial statements.
* Understanding financial statements.
* Red flags/Danger signs and how to recognize them.
* Sample FS discussion.
*  Techniques used in analyzing financial statements
*  General Framework and limitations in analysis
*  Financial ratios and their relevance
*  Horizontal and vertical analysis

DAY 2
* Financial Statements and their relationships through spreadsheet
exercises.
* Financial Analysis exercises.
* Business Case and Application of Financial Statement Review and analysis
*  To gain a solid understanding of financial statements

Download Circular

Download Confirmation Sheet

 

Cash Flow Statement – Understanding & Analyzing – April 07, 2018 – Bayanihan Hall

CASH FLOW STATEMENT – UNDERSTANDING, INTERPRETING AND ANALYZING

Date: Apr. 07, 2018 (Sat.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Belle Noreen Castillo –Estrada, CPA
– CFO, Bank Manager –Account Management /Treasury and Faculty Member

SEMINAR FEE
1. Member –  P3,000 /person
2. Non-Member/Delinquent –P3,700 /person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P1,500.00 per participant.

Bank:  LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax  (02) 527-2969 /527-2980

EXPECTED PARTICIPANTS
Loan Officers, Remedial & Credit Officers, Branch Managers, President,
Directors

DEADLINE TO SUBMIT REGISTRATION:  Mar 23, 2018.

Course Objectives

1.      To emphasize the primary purpose of the Cash Flow Statement.
2.      To analyze in detail the relationship between cash and changes in
assets, liabilities and equity accounts; to allow the participants to
understand the full integration of the income statement, balance sheet and
cash flow statement.
3.      To help the participants understand and interpret the Cash Flow Statement.
4.      To be able to use the Cash Flow Statement to evaluate a company.
Course Outline
I.      PRIMARY PURPOSE OF THE CASH FLOW STATEMENT
A.      Answer the basic questions:
i.      Where did the cash come from during the period?
ii.     What was the cash used for during the period?
iii.    What was the change in the cash balance during the period?
B.      Illustrate the Types of Cash Inflows and Outflows under:
i.      Operating Activities
ii.     Investing Activities
iii.    Financing Activities
II.     DISCUSS THE STEPS IN PREPARING THE CASH FLOW STATEMENT
A.      Discuss the different methods in preparing the Cash Flow Statement
B.      Enumerate the data needed to prepare the Cash Flow Statement:
i.      Comparative Balance Sheet (current year and previous year)
ii.     Income Statement for the period
iii.    Other transactions that affect how the cash was provided or used
during the period
C.      Discuss the steps in preparing a Cash Flow Statement
III.    HOW TO USE THE CASH FLOW STATEMENT IN EVALUATING A COMPANY
A.      Discuss the various ratios as a tool to analyze a company.
i.      Assessing Liquidity, Solvency, and Profitability using Cash Flow Statement
B.      What is free cash flow?

IV.     VARIOUS EXERCISES

Download Circular

Download Confirmation Sheet