Risk Management Basic Course -Nov. 09-10 in Iloilo City

FOR: ALL PARTICIPATING RURAL BANKS
FROM: RODOLFO P. YAP III, President
SUBJECT: CIRCULAR LETTER: BASIC RISK MANAGEMENT COURSE

Dear Fellow Rural Bankers:

The Chamber of Iloilo Rural Banks, Inc. (CIRBI) in coordination with the
Rural Bankers Research and Development Foundation Inc. (RBRDFI) is pleased
to offer a seminar described below:

Date: November 09 – 10, 2017 (Thursday and Friday)
Venue: SmallVille 21 Hotel Smallville Commercial Complex, Diversion Road
Mandurriao, Iloilo City
Time: 08:30am to 5:30pm

eminar Fee
1. Early bird – P5, 000.00 (On or before October 23, 2017)
2. Regular Rate – P6, 000.00 (After October 23, 2017)
3. Non RBAP Member – P7, 000.00 Mode of Payment

 Account Name – Chamber of Iloilo
Rural Banks, Inc. BPI –Solis Branch
 Checking Account No.- 9243-0900-72
 Proof of payment should be emailed to ifrb_kings_queens@yahoo.com

This is a live-out seminar. Seminar fee includes snacks, lunch, training
kit and certificate of attendance.

 Acceptance of reservation is on first come first-served basis;
only fifty (50) participants will be accommodated.

Resource Person:
MR. JORGE DIOGENES, CPA
Professional Lecturer

Expected Participants

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

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

COURSE OUTLINE

1) General concept of Risk Management
*Risk definition
 *Risk characteristics
 *Risk and Capital – (ICAAP)
2. Contextualizing Risk Management Scope
 • Nature of Rural Bank’s operation.
3. Risk Management Processes and Applications
*Enterprise Risk Management Framework from COSO and Risk Management
 Pillars of Basel Risk
4. 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.
5. Operational Risk Management
6. Management of Operational Risk arising from Financial Inclusion
Initiatives
7. Implementation of Operational Risk Management Framework – RB
8. Application : Case Analysis and video presentations.

For additional inquiries please contact:
Ms. Emily Lampino
Contact Numbers: (033) 508-5183; 09989801239
Email Add: ifrb_kings_queens@yahoo.com Thank you.

Download CIR

Risk Based Audit Methodology – Nov 24-25 in Dipolog City

FOR : ALL PARTICIPATING RURAL BANKS
SUBJECT : SEMINAR ON RISK-BASED AUDIT METHODOLOGY

Dear Fellow Rural Bankers:

We are pleased to announce the holding of Risk-Based Audit Methodology
Seminar on November 24 to 25, 2017 sponsored by our Federation and to be
held at Top Plaza Hotel, Dipolog City. Please refer to the following
seminar details:

REGISTRATION FEE

Php 4,500.00 per Participant
Php 4,200.00 for Early Bird Registrants (those who pay the full amount on
or before October 31, 2017) Php 4,500.00 for Walk-in Participants

VENUE

Day 1 & 2:
Top Plaza Hotel, Dipolog City

Seats are available for interested participants.

Mode of Payment:
a) A non – refundable commitment fee of P2,500.00 per participant.
b) Bank account (BPI Account Name: Albert T. Concha Jr. Account Number:
1825-0097-67;
c) Proof of payment fax to (065) 212 – 2098;
d) Check payments should be payable to the Zamboanga del Norte Federation
of Rural Banks (ZNFRB) Secretariat/Treasurer.

For your reservations, kindly observe our training policies:

1. Deadline for submission of confirmation is not later than June 5, 2017;
2. A non-refundable commitment fee equivalent to fifty percent of the
registration fee per participant. Payments can be remitted to the
Zamboanga del Norte Cooperative Bank thru Ms. Lailah Matugas.
3. Reservation via telephone conversation is accepted. However,
Registration Form and commitment fee must be settled 10 days prior to
seminar date. Otherwise, reservation is considered cancelled.
4. Cancellation Policy:
a. 10 days prior to the seminar date is entitled for a full refund
b. 3 days prior to the seminar date is entitled for a half refund (applies
only to full payments)
c. Participants who have paid but fail to show up for the seminar will
only be entitled to a rebate of 50% of the total registration fee.

This is a live-out seminar.

Thank you very much.

(Sgd.) ATTY. ALBERT T. CONCHA, JR.
ZNFRB President

Download CIR RBA

Compliance Mgmnt System Assessment – Nov 09-10

COMPLIANCE MANAGEMENT SYSTEM ASSESSMENT

Date: Nov 09-10, 2017 (Thu-Fri)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Diego B. Ledda, Jr.
Trainer/Consultant -Management
& Financial Consultancy Services


SEMINAR FEE

1. For Member -  P4,500/per person
2. Non-Member/Delinquent – P4,800 / per person

MODE OF PAYMENT
Check payable to:

      Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,200.00 /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:  Oct 27, 2017.

Course Objectives

1. To identify, prioritize, and assign accountability for managing
existing or potential threats related to legal or policy noncompliance—or
ethical misconduct—that could lead to fines or penalties, reputational
damage, or the inability to operate in key markets.
2.To understand the laws and regulations with which the Bank is required
to comply in all risk areas where it conducts business, as well as
critical organizational policies—whether or not those policies are based
on legal requirements.
3.To learn the roles and responsibilities of Chief Compliance Officer in
the organization.
4.To learns how to prepare annual compliance program, assessment and reports

Day 1

1.The Compliance Risk Management
 * Define Compliance risk and Compliance Risk Management of Compliance Functions
 * Regulations Governing Compliance Functions
 * Requirements of successful Compliance Risk Management

2.Board and Senior Management Oversight
 *Roles and Responsibilities of the Board of Directors
 *Roles and Responsibilities of Senior Management
 *Roles and Responsibilities of Employees

3.The Compliance Office and Compliance Officer

4.The Compliance Program
5.Reports , Reporting  Frequencies

*Types of Reports  Being Prepared by the Compliance Officer
*Frequency and Manner of Reporting
*Actions Needed in Compliance Reports

6.Improving Compliance Risk Management
    *Identifying Inherent problems for Effective Compliance
7. Outsourcing of Compliance Assessment and Testing
8. Common Problems and BSP audit Findings in Compliance System 
   and How to Avoid them.

Day 2

1.Hands-On Preparation
*Annual Compliance Program
*Assessment of Risk Areas
*Reports
Required on Day 2:  Laptop Computer, USB Compliance Manual

Download CIR

Download Confirmation

Strategic Human Resource Management Training – Nov 17-18

STRATEGIC HUMAN RESOURCE MANAGEMENT


Date: Nov 17-18, 2017 (Fri-Sat)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

        RESOURCE PERSON
  MS. OLIMPIA N. CRUZ, RMO
Bank Officer - Risk Management, Consultant   for bank’s HRM, Trainer


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

MODE OF PAYMENT
Check payable to:

      Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P1,900.00 per participant.

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


EXPECTED PARTICIPANTS
President & CEOs, Director, General Manager, HR Head & Compliance Officer

DEADLINE TO SUBMIT REGISTRATION:  Nov 10, 2017.

Course Objectives
The Strategic Human Resource Management consistent with the provisions of
BSP Circular 900, s. 2016, Guidelines on Operational Risk Management.

1. Learn the Human Resource Management perspectives;
2. Know and understand the HR interlinked functions and processes;
3. Establish the duties and responsibilities of HR Managers and Business
Line Managers in managing risks related to Human Resource Management;
4. Establish and implement mechanisms needed in order to comply with BSP
Circular 900.

Methodology:  Lectures, Workshop and Case Study

Course Outline

Day 1 –Human Resource Management Background

  1. Human Resource Planning   - definition and scope of HR Planning
    A. Job Analysis and Job Design
    B.  Review of Current Manpower Supply

  2.  Recruitment and Selection
   A. Sources of qualified personnel
   B.  Recruiting Methods and Process I.

 3.Competency Framework Development
   A. Competency Framework Milestone
   B. Classification of Competencies
   C. Setting proficiency levels

 4. Training and Development
   A. Factors affecting training outcomes
   B. Talent management for smaller organizations: challenges and advantages

  5. Performance Management
   A Performance Management   Cycle
   B. Link with other HR functions


Day 2 –Rewards Management

 1.  Rewards Management
   A. Rewards and Recognition
   B. Categories of Performance-based rewards
   C. Issues in implementing Awards/Incentive Programs
   D. Choosing the right rewards mix suitable to the organization.

2.  Rewards Management
   A. Rewards and Recognition
   B.  Categories of Performance-based rewards
   C. Issues in implementing Awards/Incentive Programs
   D. Choosing the right rewards mix suitable to the organization

3.  Management of HR Related Risks
   A. Managing HR related Risks
   B. Elements of HR governance in managing HR risks
   C. HR Communications

5.  Organization Development: Managing Change
   A. Effective management of change

Download CIR

Download Confirmation

Compliance and Strategic Inputs: BSP Cir. 855, IFRS 9, and BSP Cir. 908 – Nov 23-24

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 on going concerns.

Henceforth, we invite the – President/Directors, Credit and Risk Management Officers, Loan and Remedial Management Officers, Compliance Management and Internal Auditors – to participate in the Compliance and Strategic Inputs: BSP Cir. 855, IFRS 9, and BSP Cir. 908

Schedule: November 23 – 24, 2017 (Thursday and Friday)
Venue: Gov. Licaros Hall, 2/F RBAP Bldg., Intramuros, Manila.
Registration Fee: Ph 11,200.00 / delegate
LBP Savings Account : 0012-1046-26
Account Name: RBRDFI

LEARNING OBJECTIVES
– Have a grasp of the details of the BSP Cir. 855 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 BSP Cir. 908 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

*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.com, training@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
November 10, 2017. We are looking forward to your active participation. Thank you.

Sincerely,

Antonio O. Pasia
Chairman

Download Confirmation Form
Download CIR

Corporate Governance Seminar – Sept 27-28

CORPORATE GOVERNANCE FOR BANK DIRECTORS

Date: Sep 27-28, 2017 (Wed-Thu)
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: Sep 22, 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

Download file click here

Download file click here

Business Continuity Management Program – Oct 06-07

BUSINESS CONTINUITY MANAGEMENT PROGRAM

Date: Oct. 06-07, 2017 (Fri-Sat.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Alexander C. Aguilar, CPA, CIA
Bank Executive – Operations Officer /Information Security Officer,
Consultant/ Trainer

SEMINAR FEE

1. Member – P2,800/pax
2. Non-Member/Delinquent –P3,000/pax

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,400.00 /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: Sept. 29, 2017.

COURSE OBJECTIVES: Counteract interruptions to business activities and to
protect critical business processes from the effects of major failures or
disasters.

1) To present applicable regulations of BSP Cir. 951 and establish ISO
framework in the development of BCMP
2) To present possible bank’s requirement in the development of Business
Continuity Management Governance to manage BCMP processes
3) To provide the framework of the BCMP cycle that would identify threats
and vulnerabilities of the bank with the corresponding corrective actions.
4) To provide understanding on the following processes: Pandemic
Planning, Cyber Resilience, Information Security, Interdependencies,
Liquidity Risk Management, Project Management, Event and Problem
Management, Outsourcing and Insurance

EXPECTED PARTICIPANTS: President/Directors, Compliance Officers, Risk
Manager, Internal Audit, Branch Manager and IT Head

OUTLINE
1. Understanding the organization and its context
Identify key products and services
Prioritized activities and resources required to deliver them
Identify threat to these activities and dependencies
Establish arrangements to restore activities in case contingencies
Encsure effectiveness of these activities
Developing Business Impact Analysis (BIA)
Developing Risk Assessment for business operations:
• IT System software/hardware
• People
• Cash and other assets

2. Determining Business Continuity Strategy
3. Developing and Implementing a BCM response
4. Exercising/Maintaining and Reviewing BCM arrangements
5. Embedding BCM in the organization’s culture
6. Cyber resilience

Threats:
• Hacking
• Virus
• Phising
• Social Engineering

Mitigating controls
• Vulnerability Assessment
• Penetration testing
• Hardening

7. Pandemic planning
Similar to natural disasters or technical disruptions, pandemic may
also interrupt a BSFI’s business activities.

CIR BCMP-Oct17 Download file click here

CS-BCMP-Oct17 Download file click here

Cash Flow Statement – Understanding & Analyzing – Sept 16 2017

CASH FLOW STATEMENT – UNDERSTANDING, INTERPRETING AND ANALYZING

Date: Sept 16, 2017 (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.

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: Sept. 08, 2017.

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

CIR CFlow-Sept17 Download file click here

CS-CFlow-Sep17 Download file click here

Risk Management Basic Course -Sept 7 -8

RISK MANAGEMENT BASIC COURSE

Date: Sept 07-08, 2017 (Thu-Fri)
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: Sept. 01, 2017.

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 Analysis and video presentations

CIR RiskMgmnt-Sep17 Download file click here

CS-RiskMgnt-Sep17 Download file click here

Credit Analysis & Loan Packaging Seminar – Aug 29-30

CREDIT ANALYSIS & LOAN PACKAGING SEMINAR

Date: Aug. 29-30, 2017 (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: August 22, 2017.

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

CIR Credit&LoanPack-Aug17 Download file click here

CS-Credit&LoanPack-Aug17 Download file click here

Remedial Management Seminar – Aug 24-25 2017

REMEDIAL MANAGEMENT SEMINAR

Date: Aug. 24-25, 2017 (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 – P3,900 /person
2. Non-Member/Delinquent – P4,200 / 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

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

DEADLINE TO SUBMIT REGISTRATION: Aug. 18, 2017.

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

CIR RemedialMgnt-Aug17 Download file click here

CS-RemedialMgnt-Aug17 Download file click here

Comprehensive Property Appraisal Seminar -Aug 11-12

COMPREHENSIVE PROPERTY APPRAISAL SEMINAR

Course Objectives
1) Provide participants the required knowledge and the skills to perform
property valuations in line with internationally accepted standards and
best practices.
2) Provides solid foundation in basic appraisal principles.
-to render a sound estimate of value of real estate of a given time
and for
a specific purpose.
-to guide on the analysis and qualifying data that needs to be collected
and reviewed during the appraisal process.
3) Learn the three main approaches to value and other methods of valuation
in reaching a sound opinion of value.
4) Provides information on how to read and map of a subject property –
delete, no longer part of outline since time consuming. Instead put –
Provides information on Site Inspection and Analysis
5) Demonstrates practical writing exercises necessary to produce
convincing appraisal reports in daily practice.
Seminar Methodologies
Lecture, Discussions, and Workshop: computations and drawing

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

Course Outline

• Definition of Appraisal
-purpose and appraisal process
• Definition of Price, Cost, Value and Market Value
• Other Values That May Be Determined by Appraisal
• Characteristics of Value
• Factors that Influence Value
• Appraisal Principles of Property Value
* Principle of Highest and Best Use
-Covers the relationship between market analysis and highest and best use.
• Basic Appraisal Requirements
• Collateral Acceptability
• Collateral Non-Acceptability
• Site Inspection and Analysis
• Appraisal Report Writing
• Code of Ethics
• Salient Features of Real Estate Service Act 9646
• Primary Methods of Valuation
• Other Methods of Valuation

CIR CAppraisal-Aug17 Download file click here

CS-CAppraisal-Aug17 Download file click here

Credit Investigation Seminar – Aug 10 2017

CREDIT INVESTIGATION SEMINAR

Date: Aug 10, 2017 (Thu)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Engr. Elmer R. Rivera
FVP Head-CI & Appraiser, Trainer/Consultant

SEMINAR FEE
1. For Member – P2,800/per person
2. Non-Member/Delinquent – P3,000 / 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: August 04, 2017.

Objectives:

In this period of uncertainty, significant, accurate and timely credit
information is one of the fundamentals where a sound credit decision in
anchored. Find out how to get substantial information in a professional
way plus a quick review on the basic elements of credit.

Expected Participants
This interactive seminar is designed for personnel in the credit
department, which includes appraisers, credit investigators, loan officers
and managers, as well as front office personnel as they are all
responsible for bringing in quality credit customers.

Course Outline

I. Introduction to Credit
II. Definition of Credit
III. The Credit Process
IV. Importance of Credit
V. Types of Credit
VI. The 5 C’s of Credit and definition of each
VII. The Credit Evaluation and Analysis
VIII. The Credit Evaluator
IX. Credit Investigation as Defined
X. The Credit Investigator
XI. Objectives of Credit Investigation
XII. Sources Of Credit Information
XIII. Ways of Gathering Credit Information
XIV. Different Types of Credit Investigation
XV. Credit Investigation on Individual
XVI. Credit Investigation on Business / Corporation
XVII. Negative Checking (CMAP / NFIS)
XVIII. Bank Checking (BAP member and non-BAP member banks)
XIX. Field Checking & Different Types of Field Checking

CIR-CI-Aug17 Download file click here

CS-CI-Aug17 Download file click here

Bank Security & Protection – July 26-27

BANK SECURITY & PROTECTION

Date: Jul 26-27, 2017 (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. Member – P3,800/pax
2. Non-Member/Delinquent – P4,200/pax

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,400.00 /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 21, 2017.

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

CIR BNKSecurity-Jul17 Download file click here

CS-BNKSecurity-Jul17 Download file click here

Compliance Mgmnt System Assessment – July 12-13

COMPLIANCE MANAGEMENT SYSTEM ASSESSMENT

Date: July 12-13, 2017 (Wed-Thu)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Diego B. Ledda, Jr.
Trainer/Consultant -Management
& Financial Consultancy Services

SEMINAR FEE

1. For Member – P4,500/per person
2. Non-Member/Delinquent –P4,800 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,200.00 /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: July 07, 2017.

Course Objectives
1. To identify, prioritize, and assign accountability for managing
existing or potential threats related to legal or policy noncompliance—or
ethical misconduct—that could lead to fines or penalties, reputational
damage, or the inability to operate in key markets.
2.To understand the laws and regulations with which the Bank is required
to comply in all risk areas where it conducts business, as well as
critical organizational policies—whether or not those policies are based
on legal requirements.
3.To learn the roles and responsibilities of Chief Compliance Officer in
the organization.
4.To learns how to prepare annual compliance program, assessment and reports

Day 1

1.The Compliance Risk Management
*Define Compliance risk and Compliance Risk Management
* Status of Compliance Functions
* Regulations Governing Compliance Functions
* Requirements of successful Compliance Risk Management

2.Board and Senior Management Oversight
* Roles and Responsibilities of the Board of Directors
*Roles and Responsibilities of Senior Management
*Roles and Responsibilities of Employees

3.The Compliance Office and Compliance Officer

4.The Compliance Program
5. Reports , Reporting Frequencies

*Types of Reports Being Prepared by the Compliance Officer
*Frequency and Manner of Reporting
*Actions Needed in Compliance Reports

6.Improving Compliance Risk Management
*Identifying Inherent problems for Effective Compliance
7. Outsourcing of Compliance Assessment and Testing
8. Common Problems and BSP audit Findings in Compliance System and How to
Avoid them

Day 2

1.Hands-On Preparation
*Annual Compliance Program
*Assessment of Risk Areas
*Reports
Required on Day 2: Laptop Computer, USB Compliance Manual

CIR COMS-July17 Download file click here

CS-COMS-July17 Download file click here