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

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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

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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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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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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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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

Signature Verification Bank Fraud & Forgery Detection -Dec 13

SIGNATURE VERIFICATION, BANK FRAUD AND FORGERY DETECTION SEMINAR

Date: Dec 13, 2017 (Wed)
Venue: RBAP, Intramuros, Manila
Time: 8:30am to 5:00pm

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

SEMINAR FEE
1. For Member  - P2,400
2. Non-Member/Delinquent –  P2,700


MODE OF PAYMENT
Check payable to:

      Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,200.00 /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

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

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AMLA Seminar – Dec. 06 2017 in Hotel Jen

AMLA SEMINAR
Cir. 950: Updated AML Rules and Regulations

SCHEDULE

Date: December 06, 2017 (Wed)
Venue:
Ambassador Sala Room
HOTEL JEN -MANILA
3001 Roxas Blvd., Pasay City
,
Time: 8:30am to 5:00pm

Resource Persons:
Heinz Espinosa, BO -V
Mary Aileen Padilla, BO-IV AMLSG , Banko Sentral ng Pilipinas

SEMINAR FEE
1. For Member – P1,900
2. Non-Member/Delinquent – P2,300

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,000.00 /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: December 01, 2017.

Seminar Methodologies

Lecture /Discussions and Workshop

Expected Participants
President, Directors, Compliance Officer, Internal Auditors,
Managers, Tellers, Cashiers & Loan Officers

Course Outline

I. AMLC and Functions
II. AML Act and Its Amendments
III. Phil. Legal Framework
*Cir. No. 706 (Updated AML Rules and Regulations)
* Cir. No. 950 UARR, as Amended
* Memorandum No. M-2012 -017
IV. R.A. No. 0167 Salient Features
& R.A. No. 10365 Salient Features
V. Money Laundering Offense and Penalties
VI. AML Rules and Regulations, as Amended
*Amendments to Circular No. 706
*Legal Basis of AML Rules
* Policies of the State
*Coverage:
– BSP Covered Persons
-AML Risk Management
-Customer Identification Process
VII. AML Risk Rating System AML Risk Rating System
VIII. Question and Answer

 

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Advanced Corporate Governance – Davao Nov 27-29

Dear Rural Bankers:

The Rural Bankers Research and Development Foundation Inc. (RBRDFI), in partnership with the Institute of Corporate Directors (ICD) and the Countryside Financial Institutions Enhancement Program (CFIEP), is pleased to invite you to participate in the Advance Corporate Governance Course
(Professional Directors Program for Rural Banks) which will be held on November 27-29, 2017 (Wednesday to Friday) at The Ritz Hotel at Garden
Oases, Porras St., Bo. Obrero, Davao City.

The Bangko Sentral ng Pilipinas notes that one of the major reasons why rural banks fail is due to the absence of a solid governance structure.
Your Foundation collaborated with ICD to design a condensed version of their Professional Directors Program with the end-goal of strengthening
your respective institutions. Attached to this letter is a one-page overview of the course.

Registration Fee with RBRDFI (negotiated cost of RBRDFI)
REGISTRATION FEE – Php 17,500.00
ICD Public Seminars Cost PhP 70,000++ individually
Subsidy from CFIEP

(For the participant who will complete the 3days seminar. The subsidy will be refunded to the rural bank two weeks after the seminar. Due to limited
slots and in order to maximize reach, participation to the course is limited to one (1) representative per rural bank only.) Pph 10,483.20

Actual Seminar Cost Php7,016.80
(After the CFIEP subsidy, for 3days seminar, inclusive of the manual, workshop materials and meals (two snack/s and lunch) for the duration of
the seminar)

As a course pre-requisite, all participants must have completed at least the Basic Corporate Governance Course for Bank Directors given by either
the RBRDFI or any BSP-accredited training institution. A copy of your certificate of completion of the required course must be submitted to
RBRDFI upon registration.

To register, kindly fill-out the attached Confirmation Form and Participant Information Sheet and send to jescepeda.rbap@gmail.com 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 13, 2017.

Should you have questions or concerns, you may email Ms. Grace Estira (gracedestira@gmail.com) or call (02) 5272972. We’re looking forward to
your active participation. Thank you.

Confirmation Sheet
Course Outline
Invitation Letter
Participant Information Sheet

Comprehensive Property Appraisal Seminar -Dec 01-02

COMPREHENSIVE PROPERTY APPRAISAL SEMINAR

Date: Dec.01-02, 2017 (Fri-Sat)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Engr. Ferdinand A. Bocobo Senior Property Manager, BDO
Trainer, Consultant

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: November 24, 2017.

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

 

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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.

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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

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