Archives for 2019

CIRCULAR LETTER NO. CL-2019-046: Approved Applications for New Banking Offices and Opened Banking Offices During the 1st Quarter of 2019

CIRCULAR LETTER NO. CL-2019-048: 41st National Disability Prevention and Rehabilitation Week

CIRCULAR LETTER NO. CL-2019-049: Updated List of Accredited Rural and Financial Institutions for the Purpose of Implementing the Agri-Agra Reform Credit Act of 2009 (RA 1000)

Basic Course on Tellering – Aug 30 – RBAP Intramuros

BASIC COURSE ON TELLERING

Date: August 30, 2019 (Fri)
Venue: Licaros Hall, Intramuros, Manila
Time: 8:30am to 5:00pm

Resource Person:
Ms. Victoria Palanca
Branch Bank Head, Trainer & Consultant

SEMINAR FEE
1. For Member  – P3,200 /pax
2. Non-Member/Delinquent –   P3,700 /pax

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: August 23, 2019.

At the end of the one-day session, participants should be able to:
I. Classify his/her role and identify the main job of his/her position in
conformity with bank rules and regulation.
II. Process transactions proficiently according to par policies and
procedures.
III.  Adhere to established internal control measures in accepting,
sorting, and handling checks and cash

Seminar Methodologies
Lecture, Discussions and Workshops

Expected Participants
Bank Teller, Cashier, Account Officers, Loan Officers

Course Outline

I.      The Teller
II.     General Operations of Tellering
III.    Documents on new accounts
IV.     Tellers’ receiving functions
V.      Negotiable Instruments Law
VI.     Tellers’ paying functions
VII.    Customer satisfaction
VIII.    Curtailing frauds and mistakes

ONLINE REGISTRATION
https://forms.gle/J85mzEPwLKB8AdvQ8

Branding Your Rural Bank Through the HR Perspective – Aug 22-23 in RBAP Intramuros

Branding Your Rural Bank Through the HR Perspective

Date: Aug-22-23, 2019 (Thu-Fri)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
DENNIS A. ANTENOR
HR Consultant, Facilitator in Quality & Strategic Management

SEMINAR FEE
1. For Member – P4,750/per person
2. Non-Member/Delinquent –  P5,200 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P2,300.00 per participant.

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

Expected Participants
HR Managers/Supervisors, Operations Head, General Manager, Branch Manager,
HR Assistant, Administrative Officers, Director & President

DEADLINE TO SUBMIT REGISTRATION:  August 16, 2019.

This Advanced HR program will provide the necessary tools to welcome the
big changes in HR management particularly in the specific field of rural
banking. The entrepreneurial HR person becomes strategic by developing
ways to improve the bottom line through unconventional techniques in
upgrading the competencies of bank employees up to their development as
effective brand ambassadors of the banking business.

Course Objectives
1.Understand the important role of the HR development in the rural banking
business.
2.Provide tools in managing the human capital thru competency building.
3. Learn motivational tools to build entrepreneurial spirit in banking.
4. Strengthen the HR person’s role in change management to achieve
strategic goals of the rural bank.

Course Outline

Day 1
a.  HR as part of the Rural Banking Business
b.  Crafting the Corporate Culture
c.  Formulating Practical Company Policies
*Drafting policies in accordance with BSP regulations and Labor Code

d.  Planning the workforce
• Analyzing personnel needs based on strategic plan.

e.   Planning your Staff
f.    Branding your Rural Bank
g.   Keeping them Abreast with the Banking Industry
h.   Promoting the World of Risk Management

Day 2
a.    Building the entrepreneurial spirit of bank employees
b.    How to Retain Great Employees
c.    Training to Become Hotshot Employees
a.    Discipline & Rewards in the Workplace
b.    Succession Planning in Rural Banking
c.    HR towards BSP Compliance
*Preparing HR requirements in BSP audits

d.  Human Resource Information System
* Lecture and workshop  /exercises

ONLINE REGISTRATION
https://forms.gle/zthJHvRmtC1pmnBL6

Signature Verification Bank Fraud & Forgery Detection -Aug 23 RBAP Intramuros

SIGNATURE VERIFICATION, BANK FRAUD AND FORGERY DETECTION SEMINAR

Date: Aug 23, 2019 (Fri)
Venue: RBAP, Intramuros, Manila
Time: 8:30am to 5:00pm

Resource Person:
Ms. Jennifer Dominguez
Question Document Examiners, NBI

SEMINAR FEE
1. For Member  – P3,000
2. Non-Member/Delinquent –   P3,500

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,500.00 /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: August 16, 2019.

Objective
For the participants to be aware of the significance of handwriting
identification and other aspects of questioned documents examination to
related areas in their chosen field;

Seminar Methodologies
Lecture, Discussions and Workshops

Expected Participants
Bank Teller, Cashier, Account Officers, Loan Officers

Course Outline

Module 1: Signature Verification and Forgery Detection
a.      Handwriting Impressions

i) Manual operation of the hand and the brain
b. Typewriting and Printing Impressions

ii) Machine produced impressions
iii) Miscellaneous Aspects
iv) Alterations
v) Sequence of strokes, etc

Module 2: Fraud Detection and Prevention
a.    Elements of Fraud
b.      Prevention Techniques
c.      Internal Control System

ONLINE REGISTRATION
https://forms.gle/f8y7ehHodYouEgZ88

Remedial Management Seminar – Aug 15-16 2019 RBAP Intramuros Manila

REMEDIAL MANAGEMENT SEMINAR

Date: Aug. 15-16, 2019  (Thursday -Friday)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Tito C. Tirones
– Bank & SME  Consultant/Trainer
Judge Maria Zenaida Bernadette Mendiola
-RMC Lawyer/Bank Trainer -Consultant

SEMINAR FEE
1. For Member only – P4,600 /person
2. Non-Member/Delinquent –    P5,100 / person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P2,300.00 per participant.

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

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

DEADLINE TO SUBMIT REGISTRATION: August 10, 2019.

Course Objectives
• The course will establish the fundamentals of loan accounts management,
Remedial Accounts Management and recovery.
• Enable the participants to gain actual and factual lessons in the
conduct of Accounts Remedial Management.
• Provide insight of another possible approach of conducting ARM
• Acquaint in various legal strategies in handling problem accounts
* Be familiar with the basic legal provisions relative to the foregoing
remedies, to differentiate one from the other, to avoid common legal
pitfalls in the application.
Course Outline

DAY 1
a.      General Overview of Accounts Management.
Why go in Remedial Management
The importance of RM in the overall account management process
Actual practice of RM vs what should have been.

b.      Risk Identification Process
How a loan becomes a problem
Early Warning Signs of a Deteriorating Account

c.      Remedial Management Process
Organizational set-up or RM Unit.
Mindset of officers in handling RM accounts
Actual handling of Remedial Accounts

DAY 2
I.      Legal Strategies in Remedial Management
Preliminary Steps
Non-adversarial methods
Adversarial proceedings

II.     Basic Legal Concepts, Related Laws and Legal Requirements
a.      Dacion en Pago
b.      Restructuring
c.       Rehabilitation
d.      Foreclosure (REM,CHM, Pledge, Deed of Assignment)
e.      Collection Cases
f.      Filing of Criminal Cases

ONLINE REGISTRATION
https://forms.gle/APbGg6SQDA3Ey9aM6

Training Needs Assessment for Microfinance Course

Date : July 05, 2019
To : Rural Bankers / Microfinance Oriented Banks
Re: Invitation to Participate in TNA for Microfinance Course

We are developing capacity building for the Account Officers/Loan
Officers, particularly in the field of microfinance. This Training Needs
Assessment will assist us in designing appropriate learning sessions. To
help us better understand your requirement(s), please take time to answer
the TNA

Click on the link below to begin the survey:

https://forms.gle/5Aiwn2oM123aLgke6

RBRDFI is committed to providing you the best possible learning experience
for current and future offerings. We appreciate to receive your responses
on or before July 19, 2019.

All data collected in this TNA will be processed anonymously and for
learning purposes only

Thank you for your time and support.

Internal Credit Risk Rating System Workshop -Aug 08-09 – RBAP Intramuros

INTERNAL CREDIT RISK RATING SYSTEM WORKSHOP

Date: Aug 08-09, 2019 (Thu-Fri)
Venue: Gov. Licaros 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. Member –  P4,600/per person
2. Non-Member/Delinquent –    P5,100 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P2,300.00 per participant.

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

DEADLINE TO SUBMIT  REGISTRATION: August 02, 2019.

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

c. 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

ONLINE REGISTRATION
https://forms.gle/Xb7RtJjfEsXQzhbeA

Advanced Supervisory Development Program – Aug 02-03 in RBAP Intramuros

ADVANCED SUPERVISORY DEVELOPMENT PROGRAM

Date: Aug. 02-03, 2019 (Fri-Sat)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON

Ma. Elena Sandel-Marquez
Training Consultant / Pschologist/HR Specialist & Leadership Management
Trainer for Banks & Govt. Agencies..

SEMINAR FEE
1. For Member –  P4,800 /per person
2. Non-Member/Delinquent –   P5,300 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,000.00 /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:  July 26, 2019.

Rationale

Supervisors, as they grow in years of experience, become more competent.
As such, they are tasked to assume greater responsibilities and ensure
that processes are done accurately and on target. With the changing times
and changing demands, people empowerment has become a major requirement.
Some “old” supervisory techniques are  no longer applicable .
This program will introduce the best practices in management, and how to
supervise a team in the most effective manner.

Expected Participants
Operations Head, Branch Managers, Chief Compliance Officer, Head- I.T.
Department and Head – Human Resource Management

Course Outline

1 – Starting Right

-Understanding & Leading Yourself first
-Knowing & Understanding Your Own Leadership style
-Openness to Feedback

The Distinct Roles of a Supervisor

-Operational Role
-Leadership Role
-The Difference Between Operational & Leadership Roles
-Communication Role

The Core Skills of a Supervisor vs. Key Skills of a Manager

CRITICAL BANK MANAGEMENT SKILLS (21st Century)

-Expertise
-Anticipatory
-Ability to Detect Trends
-Serial Learning (create a culture of constant learning)

FOUR PILLARS OF LEADERSHIP

-Authenticity
-Resiliency
-Networking
-Learning agility – Lessons from Eagles

THE EYE FOR MUDA & ABNORMALITIES

-What is “MUDA?”
-Kinds of MUDA
-Spotting Abnormalities

GROUP PRESENTATION: CASE STUDY

ONLINE REGISTRATION FORM
https://forms.gle/z7LpaYkmJEr6Tdzy7

CAMELS RATING ANALYSIS -How to Balance & Improve – July 31 & 01 Aug in RBAP Intramuros

CAMELS RATING ANALYSIS: How to Balance and Improve

Date: Jul 31-01 Aug, 2019 (Wed-Thu)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
MR. NORBERTO BABONG, CPA
Bank Consultant, Compliance Officer –Trainer/Facilitator

SEMINAR FEE
1. For Member –  P4,800/per person
2. Non-Member/Delinquent –   P5,300 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P2,400.00 per participant.

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

DEADLINE TO SUBMIT REGISTRATION:  July 26, 2019

Course Objectives

1) Understand the CAMELS Rating?
2.Explain the components of CAMELS Rating – What they mean and why they
matter?
3.Comprehend the Advantages and Disadvantages of CAMELS Rating – will it ;
4.Know How to Balance and Improve the CAMELS Rating of their respective
Banks;
5.Appreciate the Techniques on How to Manage the BSP and PDIC Examinations;
6. Know the common BSP and PDIC Examinations’ Issues/Findings and How to
Properly

Expected Participants
Board of Directors, Senior Managers, Compliance Officers and Internal
Auditors of the member-banks of RBAP

Methodology
Lecture; Audio & Video (A/V) presentation; andGroup Learning Activities
(GLA):
Compute the CAMELS Rating of your Bank

Overview

The course is intended to provide our participants an awareness and
understanding of the issues considered by the BSP Bangko Sentral ng
Pilipinas (BSP) and Philippine Deposit Insurance Corporation (PDIC)
Examiners in assessing a Bank’s financial condition including assigning a
CAMELS rating.

Course Outline

A. What is CAMELS Rating System?
B. Components of CAMELS Rating System. What  do they mean and why they
matter?
C. Advantages & Disadvantages of CAMELS Rating.
D. Why CAMELS Rating Failed to Recognize the Weaknesses of Banks?
E. How to Balance and Improve your Bank’s CAMELS Rating (the 6 components)
E. Techniques on How to Manage the BSP and PDIC Examinations
F. Common BSP and PDIC Examinations’ Issues/Findings and How to Address
them properly

ONLINE REGISTRATION
https://forms.gle/9j5LLXEhNbv2Kxps8

Credit Analysis & Loan Packaging Seminar – July 11-12, 2019 RBAP Intramuros

CREDIT ANALYSIS & LOAN PACKAGING SEMINAR

Date: July 11-12, 2019  (Thu.- Fri.)
Venue: Gov. Licaros 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  – P4,600 /person
2. Non-Member/Delinquent –    P5,100/person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,000.00 /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

EXPECTED PARTICIPANTS
Marketing & Business Dev. Officer, Loan Officers, Account Officers,
Remedial & Credit Officers, Branch Managers

DEADLINE TO SUBMIT REGISTRATION: July 05, 2019.

Course Objectives
• Understand the lending process cycle
• Identify relevant criteria to assess credit worthiness
• Provide theoretical basis for credit principles and process
• Develop the appropriate loan package based on actual, identified, and
cash flow analysis.
• Perform Credit Analysis in reviewing financial statements.
• Use a common spreadsheet format in analyzing financial statements
Methodologies
Course discussion is at lenders/account officers and decision makers’
point of view. Combination of lecture and workshops and a short lecture,
exercises on account profitability analysis, financial spreadsheet and
financial and cash flow analysis. Writing a credit proposal.
•Laptop and calculator
• Sample loan approval ***

Course Outline
DAY 1

  • Settling the Lending Criteria and eligibility requirements.
  • Overview of BSP relevant circulars pertaining to credit evaluation.
  • Guidelines in prescreening the borrower and know the essential
    information needed.
  • Credit Principles and the credit process
  • Management Evaluation
  • Business organization Analysis
  • Industry and market Analysis
  • Collateral evaluation
  • Financial analysis and cash flow
  • Recognizing why business Fail

DAY 2

  • Types of Credit Facilities/loan products
  • Amortization schedule
  • Discount versus in arrears interest
  • Determination of working capital and project cost estimate
  • Standard Line Wording
  • Credit Risk Rating evaluation in loan packaging
  • Credit Proposal Writing
  • Loan Packaging Exercise for selected accounts.

Summary
•       Stress the importance of having credit policies, procedures, and credit
risk management system in place.
•       Highlighting the BOD role and responsibilities
•       Advises FI to perform GAP Analysis as required by BSP Cir. 855

ONLINE REGISTRATION
https://forms.gle/mUkv9kBk4WevfckT6

Risk-Based Compliance Program -July 04-05 -RBAP Intramuros

SEMINAR ON RISK-BASED COMPLIANCE PROGRAM

Date: July 04-05, 2019 (Thu-Fri)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON

DIEGO B. LEDDA, JR
Auditor -Trainer/Consultant – Management & Financial Consultancy Services

SEMINAR FEE
1. For Member –  P5,200 /per person
2. Non-Member/Delinquent –  P5,700 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,600.00 /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: June 25, 2019.

Course Objectives
-the course covers key compliance principles and areas of activities to be
conducted by the Chief Compliance Officer leading to the preparation of
Risk-Based Compliance Program, Assessment, Reporting and Monitoring.

*To learn the important of a Risk-Based Compliance Management.
*Understand the Compliance Risk Management Framework.
*Identify the key activities in Compliance Risk Management Cycle.
*To know how to prepare a Risk-Based Compliance Program and Testing.

Expected Participants
President, Risk Management Committee –Director, President, Branch
Managers, Risk Management Officer, Chief Compliance Officer.

Course Outline

A.      Introduction.
•       Define Compliance risk
•       Understand risk-based compliance management
•       Coverage of compliance laws rules and standards
•       Sources of compliance laws, rules and standards
•       Compliance organizational structure.
B.      Oversight Bodies
•       Responsibilities of the BOD.
•       Responsibilities of Senior Management
C.      The Compliance Function Principles
•       Independence
•       Resources required for compliance
•       Responsibilities of compliance function.
D. Relationship with Internal Audit.
•       Audit and reporting

E. Outsourcing of compliance assessment and testing.
•       When to outsource
•       Requirements of outsourcing

F. Review of Compliance Risk Management Framework

G. Workshop
•       Prepare risk-based compliance program
•       Prepare risk-based compliance Testing

**NOTE For Participants**
-Laptop for workshop
-Compliance Program Manual

ONLINE REGISTRATION

https://forms.gle/US3sDjNuEwwvkwsJ7

UPDATED SCHEDULE: Cash Flow Statement – Understanding & Analyzing – July 06 in RBAP Intramuros

Date:  May 31, 2019
To: Participants
Re: New Schedule – CASH FLOW STATEMENT – UNDERSTANDING, INTERPRETING AND
ANALYZING – JULY 06, 2019

The new schedule of Cash Flow Statement Training is on July 06, 2019.

Due to the conflict of schedule, the Consultant – Resource Speaker has
requested to move for another date. Participants who have already paid,
but no longer available with the new training date, can request for a full
refund.

Apologies for any inconvenience brought of this changes. Thank you for
your understanding.

To Register
https://forms.gle/48GZ6SjfYtcARuwo7

DPAW