CONFEDERATION OF CENTRAL LUZON RURAL BANKS (CCLRB) 2019 Annual Management Conference

The Confederation of Central Luzon Rural Banks, Inc. will hold its 2019 Annual Management Conference
at the WIDUS HOTEL, Clark Freeport Zone, Angeles City, Pampanga on March 7 and 8, 2019 with the
theme:

“Rural Banks and MSMEs: Partners in Countryside Development”

In this connection, please find hereunder, the guidelines covering registration fees for the conference
and allowable expenses to be incurred by each participant, as follows:
1. Registration fees:

A. Early Bird registration made on or before 5PM of February 15, 2019
First Delegate Php6,000.00
Second Delegate Php5,500.00

B. Registration after 5PM of February 15, 2019
First Delegate Php7,000.00
Second Delegate Php6,500.00
2. Each delegate is entitled to:
A. A maximum allowance of Five Thousand Pesos (Php5,000.00) per day for a period
not exceeding five (5) days; and
B. A maximum representation allowance of Six Thousand Pesos (Php6,000.00)
C. Actual transportation expenses from the rural bank to the conference venue and
back.
Please note that it is understood that the abovementioned expenses are to be borne by the rural banks
concerned.
Very truly yours,
JOSE ANTONIO BLAS L. CARLOS
CCLRB President 2018-2019

Download Circular

Download Registration Form

Download Advertisement Letter

Client Centric Collection Strategy Training – Mar 08 -09 -RBAP Intramuros

CLIENT CENTRIC COLLECTION STRATEGY TRAINING

Date: Mar. 08-09, 2019 (Fri-Sat)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
MR. GERRY ANIT
Credit & Collection –Head,
Experienced in Enterprise Dev. & MicroFinance, AgriLending,
a Bank Consultant and 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: Mar 01, 2019.

Course Objectives
Equip participants of new methods, skills, tools and means that can be
utilized in dealing customer that have sign of going into default or have
defaulted.
1. How the psyche of a borrower or would be borrower can affect the
repayment of loans.
2. Learn skills and tools to identify and resolve stress in clients with
outstanding loans.
3.Detect warning signs: early signs of probable bad loan and how to
address it.
3. Provide tools in resolving and recovering bad loans.

Seminar Methodologies
Lecture, Discussions, and Workshop.
Expected Participants
Credit and Collection, Loan Officers, Account Officers, Managers,
Appraisers/CI, Sales Officers, ROPA Managers

Course Outline

• The Human Side
–       Warning signs: early signs of possible default and how to address it.
–       Knowing all the tricks employed by debtors to skip debt.

• Debt Recovery
–       Methods: Aggressive vs non-aggressive.
–       Importance of the 5’s in debt recovery action.
–       Professional, conventional or unorthodox: which method situational
performs best.
–       Qualities of a good debt recovery officer.

• Legal
–       Legal measures: what is within the rights of the bank and what is not.

–       Leave the lawyers: extensively exploring non-legal measures to recover
bad loans.

• Others
–       Key to debt rehabilitation: keeping the client while recovering their debt.
–       IRAC: income recognition and asset classification can make or break
loans turning bad.
–       Settlement proposals (developing, evaluating)

*** Learning’s –Jumpstart ***

–       Indicators on when a client may default; i/e. bad-loan candidates
–       Loan settlement proposal template
–       Loan settles proposal evaluation checklist.
–       Debt rehabilitation checklist.

Download Circular

Download Confirmation Sheet

Risk-Based Compliance Program – Feb 27-28 -RBAP Intramuros

SEMINAR ON RISK-BASED COMPLIANCE PROGRAM

Date: Feb. 27-28, 2019 (Wed-Thu)
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: Feb 21, 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

Download Circular

Download Confirmation Sheet

Financial Statement Analysis – A Tool in Credit Decision Making – February 28 -March 01 RBAP Intramuros

FINANCIAL STATEMENT ANALYSIS – A TOOL IN CREDIT DECISION MAKING

Date:  Feb 28 Mar-01, 2019 (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  – P4,600 /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 P2,200.00 /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: Feb 22, 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

CANCELLED – Effective Budgeting & Forecasting Techniques for Credit – Feb 22-23, 2019 in RBAP Intramuros

TRAINING ON EFFECTIVE BUDGETING & FORECASTING TECHNIQUES FOR CREDIT

Date: Feb 22-23, 2019 (Fri-Sat)
Venue: Bayanihan 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 –  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:  Feb 15, 2019.

Course Objectives

The budgeting and forecasting training course will help explain the world
of budgeting and provide participants with the techniques and confidence
to prepare their budget and forecast.

Financial terms and budgeting tools will be explained in a way that a
non-financial manager will understand and relate to in their own line of
work.

Target Audience
*This course provides training for officers, managers and anyone who makes
and or contributes to budgets and forecasts in the bank.
* Loan officers and credit reviewers who analyze the Financial Forecast in
a Term Loan Proposal.
Course Outline

• What is Budgeting?
* The Budgeting Process
* Defining your short and long term objectives
* How to choose the right forecasting techniques
* Facilitator presentation and group discussion

* Introducing the cash budget

*The language of Costs and Costing
*Allocation and apportionment of Costs
*Calculating breaking even
* Facilitator presentation, group discussion and group exercise

*Introducing the Revenue Budget
* Estimating your Income
* Assessing your Obligations

*The Income (Profit and Loss) Structure
*Monitoring and reporting the variances

• Introducing Capital Budgeting
*What is a Capital?
*The Decision Tree
*Cost Benefit Analysis
*Opportunity Costing
*Facilitator presentation, group discussion and group exercise

* Relating the budgets to the Balance Sheet and the P & L:
*The stakeholders
*The Balance Sheet and P & L
*Introducing key financial ratios
*Facilitator presentation and group exercise:

Download Circular

Download Confirmation Sheet

Cancelled Remedial Management Seminar – Feb 14-15, 2019 in RBAP Intramuros

REMEDIAL MANAGEMENT SEMINAR

Date: Feb. 14-15, 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:Feb 01, 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

Download Circular

Download Confirmation Sheet

Advanced Supervisory Development Program – Feb 15-16, 2019 in RBAP Intramuros

ADVANCED SUPERVISORY DEVELOPMENT PROGRAM

Date: Feb. 15-16, 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: Feb 08, 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

Download Circular

Download Confirmation Sheet

HOLIDAY ADVISORY_JANUARY 09, 2019 – FEAST OF THE BLACK NAZARENE

04 January 2019

 

MEMORANDUM

TO:      ALL MEMBER BANKS AND RBAP-RBRDFI EMPLOYEES

RE:      FEAST OF THE BLACK NAZARENE – JANUARY 09, 2019

Please be informed that the RBAP and RBRDFI office in Intramuros, Manila will be closed on January 09, 2019 (Wednesday) for the celebration of the Feast of the Black Nazarene. Thus, those who wish to visit or schedule a meeting with the President and/or Chairman should do so after the break.

Likewise, please note that all snail mail communications, queries and requests received during this day will only be entertained on or after January 10, 2019 (Thursday). However, if you wish to forward a message during the holiday break, please send it to info@rbap.org.

Thank you very much!

 

HOLIDAY BREAK NOTICE_January 9, 2019

 

Internal Credit Risk Rating System Workshop -Feb 01-02, 2019 – RBAP Intramuros

INTERNAL CREDIT RISK RATING SYSTEM WORKSHOP

Date: Feb 01-02, 2019 (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. 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:   Jan 25, 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

Download Circular

Download Confirmation Sheet

HOLIDAY BREAK NOTICE 2018

17 December 2018

 

 

MEMORANDUM

 

TO:      ALL MEMBER BANKS AND RBAP-RBRDFI EMPLOYEES

 

RE:      HOLIDAY BREAK NOTICE 2018

 

 

Please be informed that the RBAP and RBRDFI office in Intramuros, Manila will be closed for the holidays, starting December 20, 2018 (Thursday) to January 1, 2019 (Tuesday). Thus, those who wish to visit or schedule a meeting with the President and/or Chairman should do so after the break.

 

Likewise, please note that all snail mail communications, queries and requests received during this period will only be entertained on or after January 2, 2019 (Wednesday). However, if you wish to forward a message during the holiday break, please send it to info@rbap.org.

 

 

Merry Christmas and have a prosperous New Year!

 

HOLIDAY BREAK NOTICE 2018

Strengthening Internal Control System – Jan 22-23 RBAP Intramuros

STRENGTHENING INTERNAL CONTROL SYSTEM IN RURAL BANKS

Date: Jan 22-23, 2019 (Tue-Wed)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
DR. RUFO MENDOZA, CPA External Auditor –Accredited,
Bank Consultant and Professor

SEMINAR FEE
1. For 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 P1,600.00 per participant.

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

Expected Participants
President, Internal Auditor and External Auditors, Branch Managers,
Compliance Officer

DEADLINE TO SUBMIT REGISTRATION: January 18, 2019

Course Objectives

An effective internal control system helps a bank promote orderly,
economical, efficient, and effective operations. It seeks to safeguard the
bank resources and maintain reliable financial and management data.

1. Explain the nature of internal control and its relationship with risk
and audit and how they drive value for an organization;
2. Discuss the regulatory requirements for internal control system in a
rural bank, including the framework, components, and measures and how they
can be implemented in real banking operations;
3. Illustrate the functions, processes, and procedures in the internal
audit services in a rural bank;
4. Describe the nature of fraud and identify applicable measures to
prevent and detect fraudulent activities; and
5. Assess internal control practices and devise workable solutions for
identified internal control weaknesses

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

Course Outline

• Understanding the Trilogy of Risk, Control and Audit
• Mapping Internal Controls in the International Landscape
• Five Components of Internal Control System
• Significant Provision of BSP Cir. 871, – Internal Control Framework
for Banks in the Phils.
• Minimum Internal Control Measures for Deposit Taking
• Minimum Internal Control Measures for Lending Operations
• Minimum Internal Control Measures for Fiancial Reporting
• Minimum Internal Control Measures for Asset Management
• Internal Audit as a Component of Internal Control System
•Fraud Prevention and Detection
• Evaluating Internal Control System in a Bank

Download Circular

Download Confirmation Sheet

 

Risk-Based Compliance Program – Dec 07-08, 2018 in RBAP Intramuros

SEMINAR ON RISK-BASED COMPLIANCE PROGRAM

Date: Dec. 07-08, 2018 (Fri-Sat)
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: Nov 29, 2018.

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

Download Circular

Download Confirmation Sheet

61st Charter Anniversary Symposium: SPEAKERS’ PRESENTATION

Day 1

  1. Mr. Lloyd Luna – Stepback Leadership
  2. Assistant Governor Restituto Cruz – Keynote
  3. Ms. Gay Santos – Personal Property Security Act
  4. Mr. Giovanni Gabriento – Rural Bankers Institute (RBaI)

SESSION I: OVERCOMING CHALLENGES

  1. Managing Director Lyn Javier – Sound Corporate Governance
  2. Mr. Remigio Tito Tirones – Psychology of Lending and Borrowing
  3. Ms. Tanya Hotchkiss – Cloud Banking Experience

FOCUSED GROUP DISCUSSION ON DIGITALIZATION

  1. Mr. Arnaldo Cruz – IT Consultant

 

Day 2

SESSION II: EMBRACING OPPORTUNITIES – BEST PRACTICES

  1. Banco Santiago De Libon, Inc. – AgriLending
  2. Rural Bank of Manolo Fortitch (Bukidnon), Inc. – MSME (Farming)
  3. First Agro – Industrial Rural Bank, Inc. (Fairbank) – Agency Banking
  4. Rural Bank of Hindang (Leyte), Inc. – Operations

OPEN FORUM ON NATIONAL RETAIL PAYMENT SYSTEM

  1. Atty. Edward Leandro Garcia, Jr. – NRPS Presentation

   SESSION III: OPPORTUNITIES FOR RURAL BANKS 

  1. Ms. Ana Margarita Hontiveros-Malvar – Agripreneurship (GoNegosyo)
  2. Mr. Joseph Martin Borromeo – FishCORAL

CLOSED: Credit Scoring & Credit Loss Estimation Course -Workshop 1 – Dec 3 & 4, 2018 in RBAP – Intramuros

Credit Scoring and Credit Loss Estimation Course

Workshop 1 – Probability of Default & Estimation Scoring

 

Date: Dec-03-04 2018 (Mon.-Tue)

Venue: Gov. Licaros Hall, RBAP, Intramuros,

Time: 8:30am to 5:00pm

 

RESOURCE PERSON

 

FRANCIS  JOSEPH MANEJA

Consultant – Business Analytics

    Vixion Global Services

 

SEMINAR FEE

  1. For Member – P9,600 /per pax 
  2. Non-Member/Delinquent – P10,500 /per pax 

 

MODE OF PAYMENT

Check payable to:

Rural Bankers Research & Development Foundation Inc.  

Non-Refundable commitment fee of P4,800.00/pax

 

Bank:  LBP – Intramuros, Branch

Account Name: RBRDFI

SA No. 0012-1046-26.

Telefax  (02) 527-2969 /527-2980

 

Expected Participants

Branch Manager, Compliance Officer, Internal Audit, Loan Officers, President and Director

 

DEADLINE TO SUBMIT REGISTRATION: Nov 23, 2018.

 

Course Objectives

  1. Overview of credit loss estimation and statistical credit scoring and automation of credit decision processes
  2. Awareness and appreciation of the advanced internal ratings-based approach and the credit scoring system
  3. Ability to develop statistical scoring models in the context of recent regulatory guidelines and international standards
  4. Acquire knowledge on how to monitor the performance of implemented statistical scoring models.

Course Outline

 

  1. Introduction
  2.  Setting up excel
  3. Ex1. Benefits of Using Credit Scoring Models
  4.  Regulatory Principles
  5. Data Preparation and Diagnostics

 

  • Definition of Bad
  • Performance Window
  • Distribution and Trends Analysis
  • Inclusions, Exclusions and Outliers
  • Segmentation
  • Ex. 2 Prepare Dataset Variable Selection

III.  Generating Credit Scoring Models

 

  1. Ex. 3.1 Generating Credit Scoring Models
  2. Analyzing Results
  1. Calculating Credit Scores
  2. Ex. 3.2 Generate Account Scores
  3. Model Performance
  4. Ex. 3.3 Choose cutoff score and describe model performance.
  1. Validation and Testing
  • Calculating Credit Scores
  • Exe. 4.1 Generate Account Scores for Test Data
  • Assessing Model Performance for Test Data
  • Ex. 4.2 Validate model performance.

Requirement:

Laptop for individual or each for a group of participants representing same bank.

Download Circular

Download Confirmation Sheet

Branding Your Rural Bank Through the HR Perspective – Nov 28-29, 2018 – RBAP Intramuros

Branding Your Rural Bank Through the HR Perspective

Date: Nov-28-29, 2018 (Wed-Thu)
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:  November 20, 2018.

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

Download Circular

Download Confirmation Sheet