Internal Credit Risk Rating System Workshop – Jan 26-27 2018

INTERNAL CREDIT RISK RATING SYSTEM WORKSHOP

Date: Jan 26-27, 2018 (Fri-Sat)
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. 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:   January 19, 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
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

Download CIR ICRRS

Download Confirmation Sheet

Credit Analysis & Loan Packaging Seminar – Jan 30-31

CREDIT ANALYSIS & LOAN PACKAGING SEMINAR

Date: Jan. 30-31, 2018 (Tue.- Wed.)
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 – 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 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: January 24, 2018.

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
The course will be discussed in the point of view of lenders/account
officers and decision makers. We will use a combination of lecture and
workshops. There will be 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
➢ Determination of working capital and project cost estimate.
➢ Lending process flow overview
➢ Types of Credit Facilities
➢ Amortization schedule
➢ Discount versus in arrears interest
DAY 2
a. Account Profitability Analysis
b. Collateral evaluation
c. Financial analysis and cash flow
d. Relevant Ratios
e. Understanding the spreadsheet
f. Standard Line Wording
g. Credit Proposal Format
h. Actual Credit Proposal preparation
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

Download CIR

Download Confirmation

BSP CIRCULAR No. 983 on Reduction of Reserve Requirement on Repurchase Transactions

BSP CIRCULAR No. 981 on Guidelines on Liquidity Risk Management

BSP CIRCULAR No. 979 on Risk-Weighting of Bank Loans to the Extent Guaranteed by Credit Surety Fund (CSF) Cooperatives

BSP CIRCULAR No. 978 on Exclusion of Loans and Other Credit Accommodations Covered by Guarantees of International/Regional Institutions/Multilateral Financial Institutions from Ceilings to Subsidiaries and Affiliates of Banks

Risk Management Basic Course -Jan 17-18 2018

RISK MANAGEMENT BASIC COURSE

Date: Jan 17-18, 2018 (Wed-Thu)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
   MR. JORGE E. DIONEDA, CPA,
Chief Risk & Financial Tech Officer, Bank Consultant in Credit and Risk
Analysis
and Certified FINTECH professional.

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 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:   Jan. 10, 2018.

Course Objectives
a) Understand Risk Management discipline, its history and specifc frameworks.
b) Appreciate the value of risk management tools for different types of
financial institutions.
c) Explore the use of Risk Management Tools in an actual/scenario risk
events.
d) Learn the recent significant key BSP regulations and how they applied
in rural banking.
e) Comprehend personal risk appetite and capacity.

Expected Participants
President, Risk Management Committee –Director, Branch Managers, Risk
Management Officer, Chief Compliance Officer, Head- I.T. Department

Course Outline
A.	General concept of Risk Management
*Risk definition
*Risk characteristics
*Risk and Capital –(ICAAP)
B.	Contextualizing Risk Management Scope
•	Nature of Rural Bank’s operation.
C.	Risk Management Processes and Applications
*Enterprise Risk Management Framework from COSO and Risk Management
Pillars of Basel Risk
D.	Credit Risk Management
1.	Credit risk framework
2.	Basic components
3.	Credit risk Tools and Processes of each component
         * BRR/Rating/Scoring
         * Facility Risk Rating
         * Rating Migration
         * Rating Validation
         *Sample MIS reports on delinquency.

E.  Operational Risk Management   * History & Definition of Operational Risks
*BSP Regulations –related to Risk Management
*Operational Risk Framework

F. Management of Operational Risk arising from Financial Inclusion
Initiatives.
   * Microfinance
   * SME Lending
   * Remittance

G. Implementation of Operational Risk Management Framework –RB
  *scope and challenge of the implementation
  *series of approaches and questions

H. Application : Case


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Download Confirmation

Cash Flow Statement – Understanding & Analyzing – Jan 13 2018

CASH FLOW STATEMENT – UNDERSTANDING, INTERPRETING AND ANALYZING

Date: Jan 13, 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 -  P2,500 /person
2. Non-Member/Delinquent – P2,800 /person


MODE OF PAYMENT
Check payable to:

      Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P1,250.00 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:  Jan 05, 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

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Download Confirmation

Compliance Officer’s Dev. Training – Jan 11-12 2018

COMPLIANCE OFFICER’S DEVELOPMENT TRAINING

SCHEDULE

Date: Jan. 11-12, 2018 (Thu-Fri.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Nomer Crisostomo, CPA
Internal Auditor, Chief Compliance Officer, Consultant/ Trainer and
Entrepreneur

SEMINAR FEE
1. For Member – P3,500 /per person
2. Non-Member/Delinquent – P3,800 / 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

EXPECTED PARTICIPANTS
Compliance Officer, Senior, President, & Middle Level Officers / Internal
Auditors

DEADLINE TO SUBMIT REGISTRATION:January 05, 2018.

Course Overview & Objective:

In general, all business activities are faced with the reality of having
to contend with various risks, and the banking industry is not an
exemption to this rule. Compliance risk exposes the banks to fines, civil
penalties, payment of damages and the voiding of contracts. It is for
these reasons, that the Monetary Board in its Resolution No. 116 issued
Circular 747 re Revised Compliance Framework for Banks.

1. To guide the banks in adhering to all applicable and related laws
issued by the regulatory bodies (BSP, PDIC, BIR, SEC, etc.)
2. To ensure that Banks comply with the provision of BSP Circular 747 by
reviewing/ improving their existing compliance program/manual and make
them adequate in every aspect;
3. To discuss the reports to be tested and the subsequent reporting of the
results of compliance testing.

Course Outline

First Day
Brief Discussion of BSP Circular 747
Review of the bank’s existing Compliance Manual
Framework
Identification of Business Risks and
how to mitigate risk
Organizational structure
Duties and responsibilities of the
Chief Compliance Officer
Board and Senior Management
Oversight Procedures to ensure
integrity and accuracy of
documentary submission
Corrective Processes
Monetary and Non-Monetary Sanctions for non-compliance to BSP Rules and
Regulations and other regulatory bodies
Plans and Programs of the Compliance Officer
BSP General Examination Preparation
Chief Compliance Officer as AML Compliance Officer

Second Day

The Compliance Matrix
Compliance Testing
Reporting of the results of Compliance Testing
Compliance Tracking (validation)

Review and understanding relevant BSP Circulars from 2014 to present:
Cir. 854 Minimum Capitalization of Banks
Cir. 855 Guidelines on Sound Credit Risk Management
Cir. 857 Financial Consumer Protection
Cir. 871 Internal Control and Internal Approval
Cir. 887 Election/Appointment of Directors/Officers
Cir. 897 Related Party Transactions
Cir. 900 Operational Risk Management
Cir. 911 Annual Audit Report
Cir. 928 Fees onRetail Bank Products/Services and Dormant Deposit Accounts
Cir. 932 Establishments/Relocaion/Voluntary Closure/Sale of Branches

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BSP Circular 982: Enhanced Guidelines on Information Security Management

BSP Circular 980: Adoption of National Retail Payment System (NRpS) Framework

Re-Launch of Consolidation Program for Rural Banks



Download
Implementing Guidelines
Consolidation Program for Rural Banks
Bulletin No. 2017-14

Corporate Governance for RB Directors – Dec 18-19

CORPORATE GOVERNANCE FOR BANK DIRECTORS

Date: Dec 18-19, 2017 (Mon-Tue)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSONS

Ms. Ma. Corazon Guerrero
Former Asst. Gov. – BSP
Mr. Fernando A. Caballa
Former Dir.  Of ISD-I, BSP

SEMINAR FEE

1. Member - P4,900 / pax
2. Non-Member/Delinquent – P5,400 / pax

MODE OF PAYMENT
Check payable to:

      Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P2,800.00 per participant.

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

EXPECTED PARTICIPANTS
Chairman, Presidents & CEOs, Directors, General Managers,
Stockholders & Compliance Officers

DEADLINE TO SUBMIT REGISTRATION:  Dec 08, 2017.

Course Objectives

1 Pursuant to the following BSP Circulars
a) Cir. No. 296 prescribing the minimum qualifications of a bank director,
a director
b) Circulars No. 749 and 757 sets new guidelines in strengthening the
Corporate Governance in Financial Institutions”.
•	To provide a structured framework for the Board of Directors:
    a.  To appreciate the principles of Good Governance;
    b.  To recognize the value of their roles in promoting it in their
respective financial  institutions;
          and
    c.  To understand its significance in maintaining the stability of the
financial system

Course Outline

Day 1 –Concepts & Theory
I. Overview of Good Corporate  Governance
   A. Definition
   B.  Importance of Good Corporate
   Governance in the Financial System
   C.   Role of Stakeholders

II. Board Qualifications and Practices
     A. Qualifications of the BO
     B. Responsibilities of the BOD
            1. Individually
            2. Collectively
    C. Structure of the Board and Practices
1. Board Committees
2. Roles of the Chairperson of the BOD 3.  Evaluation of the Performance
of the BOD

III. Checks and Balances Systems
      Roles & Scope of the ff Functions:
       A. Risk Management
       B.  Internal Audit
       C.  Compliance
       D. External Audit
IV. Compensation System
      A. Principles in Establishing Compensation System
B. Review of the Compensation System

V. Complex or Opaque Structures
     A. Issues/concerns in Group Structures
     B.  Role of the BOD of the Parent Company
     C.  Responsibilities in Group Structure

VI. Disclosure and Transparency
      A. Objectives of Disclosure and Transparency
      B.  Regulatory Requirements

Day 2- Summary & Application
 VII. Governance Challenges for
           Family-owned Banks

VIII.  Summary & Exercises
          Setting and Implementation of Governance Policies
   A.  Corporate Governance Models
   B.  Self-Assessment: Corporate Governance Scorecard
   C.  Group Case Studies & Discussions

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CS Corp Gov

National Retail Payment System (NRPS) Roadshow Schedule

RBAP 60th Charter Anniversary Symposium Speakers’ Presentations

Day 1:
BSP Updates on Regulatory Issuances by Mr. Restituto C. Cruz
BSP Cyber Security by Mr. Melchor T. Plabasan
RB Opportunity for Agriculture Lending By Mr. Gus Poston
Consumer Loans by Mr. Eduardo F. Pelaez
MSME by Dr. Jaime Aristotle B. Alip
National Retail Payment System by Mr. Raymond Estioko
Cloud Banking Technology by Ms. Tanya Hotchkiss
The Philippines: A Canadian Perspective on the role of RBs for Financial Inclusion by Mr. Gary Repchuck

Day 2:
PDIC by Mr. Roberto B. Tan
Success Mindsets of Entrepreneurs for the 3rd Generation Rural Bankers by Mr. Ardy Abello
Successful Succession: 3rd Generation by Ms. Brigida Regina J. De Luna
Successful Succession: 3rd Generation by Mr. Gregory D. De Guzman
Community Involvement of RBs by Mr. Ives Q. Nisce
Community Involvement of RBs by Mr. David Michael Bonifacio
Agricultural Guarantee by Ms. Edna A. Atienza
Marketing thru Social Media by Ms. Heidi Garayblas