ONE-DAY BSP Reportorial Procedures -FRP & CAR – July 18 & 19 -Davao City

One-Day Briefing on
Strengthening BSP Reportorial Procedures: FRP and CAR

The Bangko Sentral ng Pilipinas, through the Central Point of Contact
Department  (CPCD) and Supervisory Data Center (SDC) and in partnership
with the Rural Bankers Association of the Philippines (RBAP) invite you to
attend the One-Day Briefing on Strengthening Prudential Reporting: FRP,
CAR and Other Periodical Reporting

DATE  & VENUE
***PLEASE USE Confirmation Form based on preferred batch.

BATCH 1
July 18, 2019 (Thurs)

BATCH 2
July 19, 2019 (Fri)

Time: 08:00 AM – 05:00PM

The Ritz Hotel at Garden Oases
Porras St., Bo. Obrero, Davao City

REGISTRATION FEE
MEMBER –          PhP 2,400.00 /pax
NON-MEMBER   PhP 2,900/pax

Bank:  LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax  (02) 527-2969 /527-298

RESOURCE SPEAKERS

Bangko Sentral ng Pilipinas

GEMMA P. GALVEZ                SHERWIN D. CASTILLO
– Manager, CPCD II                     Manager. CPCD II

MELISSA P. MARTINEZ               BEA F. FAVORADA
-Acting Dep. Dir, SDC             -SE Specialist I, SDC

ALDRIN JAVIER
– Dep. Director, CPCD IV
Coordinator

TOPICS

1. Financial Reporting Package updates
* Supervisory Process

2. Capital Adequacy Ratio (CAR) reporting

3.BSP Supervisory Enforcement Policy
* BSP Cir. 963 (Bank Responsibility for the Generation and Timely
Submission of Required Reports and Common Errors

4.Expectations on Compliance
* Question and Answer with the Single Borrowers Limit (SBL)

EXPECTED PARTICIPANTS:

Compliance Officers, Bookkeeper, Auditor, Internal Audit, Branch Manager,
IT Officer, Risk Manager, and President

ONLINE REGISTRATION
BATCH 1 – https://forms.gle/tB7JX6TH8YjkskmF6
BATCH 2- https://forms.gle/nwQtYq7XagBYUoyF7

Comprehensive Property Appraisal Seminar -July 26-27, 2019 – RBAP Intramuros

COMPREHENSIVE PROPERTY APPRAISAL SEMINAR

Date: Jul.26-27, 2019 (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 –  P4,800 /per person
2. Non-Member/Delinquent –  P5,300 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

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

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

DEADLINE TO SUBMIT REGISTRATION:  July 22, 2019.

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

ONLINE REGISTRATION
https://forms.gle/L9efqs8EMvddP9Ah8

Internal Credit Risk Rating System Workshop -July 18-19, 2019 – RBAP Intramuros

INTERNAL CREDIT RISK RATING SYSTEM WORKSHOP

Date: July 18-19, 2019 (Thu-Fri)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
MA. CRISTINA M. FAROL
Chief Risk Officer, Credit & Trust Officer, Bank Consultant Trainer,

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

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

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

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

DEADLINE TO SUBMIT REGISTRATION:  July 12, 2019.

Course Objectives
1.Understand the importance of having an internal credit risk rating
system (ICRRS) to help mitigate inherent credit risks that the Bank is
exposed to from its lending activities.
2.Have an appreciation of how the ICRRS can identify and assess the risk
profile of each borrowing account.
3.Use the ICRRS as a basis of loan approvals for renewals and new loan
accounts overview, as part of the risk controls and mitigation strategies
of the Bank

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

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

Course Outline

• What is Credit Risk? Credit Risk Management
– Credit Culture in the Philippines
-BSP Cir. 855 on the CRR
-Expectations on the Bank’s CRR
-BSP Cir. 941 on Past Due
Rcognition
-New Appendix 18 on Loan Loss
Provisioning

• Introduction of the CRR System
a.Purpose/Function of the CRR
b.Impact to Board Reports
c. Coverage of the CRR
d. Functions of People Involved
e.CRR Components
i. Borrower Risk Rating
ii. Facility Risk Rating
• Credit Review Process
a. Purpose of credit review
b. Stages of Credit Review Process
c. Areas of Consideration in the Credit Review Process
d. Loan Loss Provisioning
e. Credit Review Reporting
f. Credit Review Responsibilities
g. CRR Monitoring and Reporting
h. Ratings Migration

• Guidelines in the Preparation of • Teaser on Financial Statement Analysis
• Sample CRR Templates as Guide for own Bank Formulation
a.Consumer Loans CRR
b.SME/Business Loan CRR
c. Identification of Red Flags
• Sample Simplified Version of CRR Template
a. Consumer Loans
b. SME Loans

ONLINE REGISTRATION
https://forms.gle/Xb7RtJjfEsXQzhbeA

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

CREDIT ANALYSIS & LOAN PACKAGING SEMINAR

Date: July 11-12, 2019  (Thu.- Fri.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Ms. Maria Julma M. Jongco
– Financial Services Advisor/Consultant –(Bank, Insurance & SME), Trainer

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

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,000.00 /pax is
required, but its deducted from the total registration fee.

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

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

DEADLINE TO SUBMIT REGISTRATION: July 05, 2019.

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

Course Outline
DAY 1

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

DAY 2

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

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

ONLINE REGISTRATION
https://forms.gle/mUkv9kBk4WevfckT6

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

SEMINAR ON RISK-BASED COMPLIANCE PROGRAM

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

RESOURCE PERSON

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

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

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,600.00 /pax is
required, but its deducted from the total registration fee.

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

DEADLINE TO SUBMIT REGISTRATION: June 25, 2019.

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

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

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

Course Outline

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

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

F. Review of Compliance Risk Management Framework

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

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

ONLINE REGISTRATION

https://forms.gle/US3sDjNuEwwvkwsJ7

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

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

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

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

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

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

CANCELLED: Effective Business Communication Training – July 05-06 in RBAP Intramuros

TOWARDS BETTER CONNECTIONS: AN EFFECTIVE BUSINESS COMMUNICATION

Date: July 05-06, 2019 (Fri-Sat)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON

LUZ CIELO C. SANTOS
Bank Trainer –Consultant –Facilitator for Service Quality & Customer
Relationship Management

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

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

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

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

Expected Participants
All professionals, supervisors, managers, and staff who want to enhance
their oral communication skills.

DEADLINE TO SUBMIT REGISTRATION:  June 28, 2019.

COURSE OBJECTIVES *Understand audience profile and pupose for effective
business communication. * Develop and check proper structure, elements,
style and construction of business documents * Deliver business
documentation style appropriate to the business audience and context*
Deliver business documents, whether written or oral with the necessary
eloquence, appropriate clarity and confidence.

METHODOLOGY:    Presentation, Discussion, Role Play, Case Studies, Workshop,
Individual and Group Activities, Pre-Seminar Assessment, Post Seminar
Assessment

Course Outline

EFFECTIVE COMMUNICATION
a.       Principles of Effective Communication
b.       Understanding your audience
c.      Communicating with a purpose: the Business Environment
d.       Self-Audit: How do I communicate

BUSINESS WRITING PRINCIPLES
a.       A diagnostic exercise
b.      Understanding the challenges and Pitfalls of business writing
c.      A word on Terminologies, Jargon and Modern Language
d.      The Case for graphics and visuals
e.      Do’s and Don’ts
THE BASICS OF PRESENTATIONS
a.       The Audtion : A presentation exercise
b.      Evaluating your current presentation style
c.      Effective presentation style
d.      Written word vs Spoken Word
e.      5 PS of presentation and other famous P’s

THE QUINTESSESTIAL PRESENTATION

a.      Format, elements, styles and delivery methods
b.      Images, colors, words, props and other visual aids
c.      Creative opening and memoralble closing
d.      Developing rapport and other audience engagement techniques.
e.      Common Cause of Business Failures

STAND AND DELIVER
a.      Managing your audience: objection, handling and diplomacy
b.      A partnership: the right questions and the effective listener
c.      Presentation synthesis exercise
d.      What am I doing wrong? What am I doing right?
e.      Best practices

ONLINE REGISTRATION

https://forms.gle/sk6ja5JNA7pN49KN7

CHANGED VENUE: Sound Credit Functional Framework Training – June 27-28 – ARMADA HOTEL

SOUND CREDIT FUNCTIONAL FRAMEWORK TRAINING

Date: June 27-28, 2019 (Thu-Fri)
Venue: ARMADA HOTEL – MALATE MANILA
Time: 8:30am to 5:00pm

RESOURCE PERSON

MR. TITO TIRONES
– Bank & SME  Consultant/Trainer

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

DEADLINE TO SUBMIT REGISTRATION: June 21, 2019.

Course Objectives

1)To define and elaborate on each step within the credit process including
the persons involved in the process, as well as the duties and
responsibilities of each.
2) To provide guidelines in the effective management of each credit
process; mindful of the risk Involved in order to provide mitigants and
controls.
3)To identify the strengths and weaknesses of the credit approval and
monitoring process

Seminar Methodologies
Lecture, Discussions, and Workshop

Expected Participants
President, BODirector, Branch Managers, Loan Officers, Account Officers,
Appraisers, Sales Officers, ROPA Managers

Day 1

I.Credit Policy Principles
II.Credit Principles
III.General Lending Guidelines
IV.Credit Initiation
•Target Market Definition
•Solicitations
•Roles and responsibilities of the Account/Lending Officer
•Guiding Principles
V. Credit (pre-approval) evaluation
* Stages
*Roles and responsibilities
– Account/Lending Officer
-Credit Evaluation Officer
-Credit Investigator
-Credit Appraiser
*Guiding Principles
-KYC
-Financial Statement Analysis
-ICRRS
-Acceptable Collateral
-Documentary Requirements
-Credit Investigation
-Collateral

Day 2

1. Loan Packaging
*Stages
*Roles and Responsibilities of the Account Officer
*General Types of Loans
*Importante Elements in the Credit Proposal
*Loan Valuation
*Pricing the Credit
*Guiding Principles
*Contents of a Credit Proposal

II. Documentation
III. Credit Approval
IV. Loan Disbursement
V. Credit Administration and Monitoring
V. Interactive Workshop – Applying Controls in Each Credit Phase

ONLINE REGISTRATION
https://forms.gle/P6oD8RevEr1nPBBFA

Capital Adequacy Assessment Process Training – June 14-15 in RBAP Intramuros

CAPITAL ADEQUACY ASSESSMENT PROCESS TRAINING

SCHEDULE

Date: June 14-15, 2019 (Fri-Sat)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
DON V. SUMADCHAT, MBA
A Certified Risk Analyst, Department Manager from a Government Bank

SEMINAR FEE
1. For Member –  P4,700 /per person
2. Non-Member/Delinquent –  P5,200 /per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,500.00 /pax is
required, but its deducted from the total registration fee.
Bank:  LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax  (02) 527-2969 /527-2980

DEADLINE TO SUBMIT REGISTRATION:   June 07, 2019.

Objectives
At the end of the training, the participants are expected to:
1. Understand Capital Adequacy Assessment Process
2. Identify and assess business vulnerabilities
3. Gain valuable insights on implication of stress factors within the
bank’s portfolio.
4. Learn the the process of stress testing
5. Embed risks management in strategic and capital planning.

Methodology:  Workshop-Case Studies, Presentation
Basic templates shall be provided to the participant, which may be
customized and utilized in their respective banks.

OUTLINE

A.Capital
• Definition of Capital
• Capital Ratio Requirements
• Risk Appetite Statement
• Risk Materiality

B.Capital Adequacy Assessment
•Framework
•Principles
•Processes
•Rolses and Responsibilities

C Capital planning
*  Strategic Analysis
– Performance and Profitability Assessment
–  Capital Position
– Strategies in build-up capital
– Early Warning Indicators
* Risk Assessment
* Capital Assessment

D. Capital Assessment
* Current and Projected Financial
*Capital Position and Performance/Profitability Assessment
*Sources of Capital
*Strategies in build-up Capital

E. Forward Capital Planning
* Estimating Losses
* Early Warning Indicators
* Contingency Planning

F. Outcome of Capital Adequacy Assessment
* Monitoring and Reporting
* Communication Planning

G. Synthesis

ONLINE REGISTRATION FORM

https://forms.gle/QkmKPdKaPQGyJWg17

Delinquency and Fraud Management in Banks Training – June 20-21 in Intramuros

DELINQUENCY AND FRAUD MANAGEMENT IN BANKS TRAINING

SCHEDULE
Date: June 20-21, 2019 (Thu-Fri)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Noel J. Panelo, CPA
Microfinance Specialist, Banker/Trainer –Account Management Consultant

SEMINAR FEE
1. For Member –  P4,200 /per person
2. Non-Member/Delinquent –   P4,700 /per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,500.00 /pax is
required, but its deducted from the total registration fee.

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

DEADLINE TO SUBMIT REGISTRATION:   June 15, 2019

Objectives

At the end of the training, the participants are expected to:
1. Understand the meaning of delinquency and how it negatively affects the
profitability of the bank
2. Analyze and manage loan portfolio
3. Learn how to prevent delinquency and remedy hardened accounts
4. Learn the different faces of fraud (internal and external).
5. Learn how to detect fraud early, then control and remedy the same
6. Learn the different internal controls that would help prevent
delinquency and fraud

DAY 1
I. Portfolio Analysis & Management
Process in managing portfolio
Sample portfolio report
Key financial ratios in measuring delinquency
Analyzing PAR by age
Sample calculation of loan loss provision
II.  Root Causes of Delinquency
Various definitions of delinquency/past due
Common reasons and root causes of delinquency
Perceived uncontrollable events that may cause delinquency
Costs of delinquency (quantifiable and non-quantifiable)
III.  Delinquency Prevention, Control and Remedial Management
Strategic courses of action in managing delinquency
Delinquency alarm signals at various levels
Stages of actions to be taken in controlling delinquency
Write-off
IV.   Management of Hardened Accounts
Steps in enforcing legal action
Action on court-mandated agreement
V.  Small Claims Court
How to pursue collection through small claims court
VI. Workshop/Case study involving delinquency

DAY 2
VII. Common Frauds in MFIs
Definition of fraud
Various instances when fraud can be committed
VIII.  Early warning signals: Red flags/symptoms for fraud
Types of fraud
Early warning signs of fraud in organizations
IX.   Handling Fraud  – methods and systems in detecting fraud
Various ways to detect fraud
Responses to fraud
X.   Management of Fraud – prevention and controls
Ways to prevent fraud
Various controls to lessen the occurrence of fraud
XI.  Workshop/Case study involving fraud
XII. Other Delinquency & Fraud Concerns/Open Forum

Notes: Relevant BSP circulars
BSP Cir. 941 – BSP Cir. 782, 796, 841
BSP Cir. 817 – BSP Cir. 871 –
BSP Cir. 900 –  BSP Cir. 855

ONLINE REGISTRATION

https://forms.gle/bDDiE9L1z2ATaUpq8

Effective Budgeting & Forecasting Techniques for Credit – May 24-25 in RBAP Intramuros

TRAINING ON EFFECTIVE BUDGETING & FORECASTING TECHNIQUES FOR CREDIT

Date: May 24-25, 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:  May 17, 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:

FOR REGISTRATION

https://forms.gle/wqBKKXHKGbG7qyTB7

CAMELS RATING ANALYSIS – How to Balance & Improve – May 16-17 in RBAP Intramuros

Training on  CAMELS RATING ANALYSIS: How to Balance and Improve

Date: May 16-17, 2019 (Thu-Fri)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

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

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

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

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

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

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

DEADLINE TO SUBMIT REGISTRATION:  May 08, 2019

Course Objectives

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

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

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

Overview

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

Course Outline

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

Please register here: https://forms.gle/xtUruJDmRD5AFeL3A

Compliance Officer’s Dev. Training – May 03-04 in RBAP Intramuros

COMPLIANCE OFFICER’S DEVELOPMENT TRAINING

Date: May. 03-04, 2019 (Fri.-Sat)
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 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
Compliance Officer, Senior, President, & Middle Level Officers /  Internal
Auditors

DEADLINE TO SUBMIT REGISTRATION:April 25, 2019

Course Overview & Objective:

Subsection X180 of the MORB stated that BSP Supervised Financial
Institutions  are required to establish a dynamic and responsive
compliance risk management system, which should also be part of the
culture and risk governance framework of the 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 Cir 972 by
reviewing/ improving their existing compliance program/manual and make
them adequate in every aspect;
3. To guide the Chief Compliance Officers with their role in the
compliance risk management system, particularly on the preparation of
complianceprogram.

Course Outline

First Day

Brief Discussion of BSP Cirs. 598,747, 972
Compliance Risk Management
Compliance Function
Compliance Program
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

Responsibilities of Board and Senior Management
MORB Awareness
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. 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
Cir. 950  Amendments to Part 8 – Anti-Money Laundering Regulations of MORB

Please register through this LINK:

https://goo.gl/forms/2EAIYN5lQpOBmP6E3

Download Circular

Signature Verification Bank Fraud & Forgery Detection – May 02 2019 RBAP Intramuros

SIGNATURE VERIFICATION, BANK FRAUD AND FORGERY DETECTION SEMINAR

Date: May 02, 2019 (Thu)
Venue: RBAP, Intramuros, Manila
Time: 8:30am to 5:00pm

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

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

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,200.00 /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: April 26, 2019.

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

Seminar Methodologies
Lecture, Discussions and Workshops

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

Course Outline

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

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

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

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

Download Circular

Download Confirmation Sheet

CLOSED: Basic Cashiering Seminar – May 03 2019- RBAP Intramuros

Basic Course on Cashiering

Date: May 03, 2019 (Friday)
Venue: RBAP, Intramuros, Manila
Time: 8:30am to 5:00pm
Resource Person:
Ms. Victoria Palanca
Branch Bank Head, Trainer & Consultant

Seminar Fee:
MEMBER ONLY
1.  Member – P3,200
2. Non-Member/Delinquent – P3,700

Mode of Payment

•       A Non-Refundable commitment fee of P1,600.00 per participant.
•       Bank account (LBP – Intramuros Branch Savings Account Number 0012-1046-26).
•       Proof of payment fax to (02) 527-2980.
•       Check payments, should be payable to (RBRDFI).

Training Policies:

1.      Reserve first with RBAP-RBRDFI your training slot, and wait for
RBAP-RBRDFI confirmation of your reservation. Thereafter, you may deposit
the Registration Fees, book ticket (airline) and secure accommodations.

RBAP-RBRDFI will not be responsible for any damage caused by unconfirmed
reservation (s).

Likewise, once training is FULL, RBAP-RBRDFI has the right to refuse
participation or reimbursement on any damage brought by unconfirmed
reservations.

Deadline for submission of registration is not later that April 02, 2019.

2.      Reservation via telephone conversation is accepted. However,
Registration Form and fee must be settled 10 days prior the seminar date
or March 29, 2019. Otherwise, reservation is considered cancelled.

3.      Cancellation Policy: – This will apply to non-subsidized training fee.
a)      10 days prior the seminar date is entitled for a full refund. *Regular
Rate only
b)      3 days prior to the seminar date is entitled for a half refund *
Regular Rate only
c)      Participants who have paid but failed to show up for the seminar will
only be entitled to a rebate of 50% of the total registration fee.
(Regular Rate only)
d)      For special cases (health, accident etc.), kindly coordinate with
RBRDFI staff for refund procedures and requirements.

Seminar Methodologies

Lecturettes, Workshops, Discussions / Best Practices

Expected Participants

Tellers, Account Specialists, Cashiers

Objectives
At the end of the one-day session, participants should be able to:

I.      Identify and apply concept and policies in branch operations in
performing the Cashier function to manage risk and customer satisfaction
effectively.
II.      Describe basic policies and procedures in relation to the Cashiering
function.
III.     Develop process that will prevent missing out on important
task/activity of a Cashier to manage risk.
IV.     Conceptualize an action plan in managing the overall performance of
the branch in relation to Cashiering function.
V.      Identify and evaluate critical areas in branch operations and come up
with safety measures to manage risk.
VI.     Course Outline
I.      Role of a Cashier
II.     Managing Risk
III.    Cash Management Operations
IV.     Tellering Operations
V.      New Accounts