Basic Cashiering Seminar – Aug 15, 2018 in Iloilo City

FOR: ALL PARTICIPATING RURAL BANKS
FROM: RODOLFO P. YAP, III- PRESIDENT

SUBJECT: CIRCULAR LETTER: SEMINAR ON CASHIERING

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:

Title: Seminar on Cashiering
Date:August 15, 2018 (Wednesday)
Venue: SmallVille 21 Hotel Smallville Commercial Complex, Diversion Road
Mandurriao, Iloilo City
Time:8:30am to 5:30 pm

Seminar Fee
1. Early bird – P3, 000.00 (On or before July 20, 2018) 2. Regular Rate –
P4, 000.00
(After July 20, 2018)
3. Non RBAP Member – 5, 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; Check payments, should be payable
to Chamber of Iloilo Rural Banks, Inc

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: Ms. Victoria Palanca
Professional Lecturer
Expected Participants
Cashier, Managers, Treasury

Note: Course Objectives and Course Outline to follow next week.
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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Corporate Governance for Bank Directors -Aug 14-15, 2018 in Iloilo City

FOR: ALL PARTICIPATING RURAL BANKS
FROM: RODOLFO P. YAP, III- PRESIDENT

BASIC CORPORATE GOVERNANCE COURSE FOR RURAL BANK DIRECTORS AND OFFICERS

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:

BASIC CORPORATE GOVERNANCE FOR RURAL BANK DIRECTORS AND OFFICERS
Date:
August 14 – 15, 2018 – 2 days (Tuesday and Wednesday)
Venue: SmallVille 21 Hotel Smallville Commercial Complex, Diversion Road
Mandurriao, Iloilo City
Time: 8:30am to 5:30 pm

Seminar Fee
1. Early bird – P6, 000.00 (On or before July 20, 2018) 2. Regular Rate –
P7, 000.00
(After July 20, 2018)
3. Non RBAP Member – P8, 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
 Check payments, should be payable to Chamber of Iloilo
Rural Banks, Inc

 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 Persons:
Ms. Ma. Corazon Guerero Mr. Fernando Caballa Professional Lecturer

Expected Participants
Chairman, Presidents and CEOs, Board of Directors, Stockholders, Managers,
Compliance Officers and Officers

Course Objectives
I. Pursuant to the following BSP Circulars
a) Cir. No. 296 prescribing the minimum qualifications of a bank director,
b) Circulars No. 749 and 757 sets new guidelines in strengthening the
Corporate
Governance in Financial Institutions”.
II. To gain comprehensive understanding of:
a. Principles of Good Corporate Governance;
b. Value of their roles in promoting it in their respective financial
institutions; and
c. Its significance in maintaining the stability of the financial system.
Course Outline
I. Concepts & Theory – Overview of Good Corporate Governance a. Definition
b. Importance of Good Corporate Governance in the Financial System
c. Role of Stakeholders
II. Board’s Qualifications
III. Board’s Overall Responsibilities
IV. Board’s Own Structures and Practice
V. Senior Management
VI. Governance of Group Structures
a. Governance for Family-owned Banks
b. Shareholder Activism
VII. Risk Management Function
VIII. Risk Management Process IX. Risk Communication:
a. Internal Control
b. External Control X. Compliance
XI. Internal Audit XII. Compensation
XIII. Disclosure and Transparency XIV. Role of Supervisors
XV. Group Case Studies & Discussions
*Updated with Circular 969.

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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Managing IT Outsourcing Requirements & Risk – Aug 16-17, 2018 – RBAP Intramuros

MANAGING IT OUTSOURCING REQUIREMENTS & RISK TRAINING

Date: Aug. 16-17, 2018 (Thu-Fri)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON

Mr. Rene B. Hapitan, CFA
Bank Executive Officer, Trainer Consultant – Risk Mgmnt, Strategic
Marketing and General Business Mgmnt.

SEMINAR FEE
1. For Member –  P3,900 /per person
2. Non-Member/Delinquent –  P4,300 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

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

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

DEADLINE TO SUBMIT REGISTRATION:  Aug. 10, 2018.

Course Objectives

*Understand the difference between IT risk and inherent business risk.
*Increase awareness of regulatory compliance for technology outsourcing,
infrastructure, security and managed services.
* Develop IT monitoring activities that will incorporate project
management, change management and business continuity.
*Consolidate understand in terms of having a solid Service Level Agreement.
*Develop a framework to analyze and select from several providers.

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

A.      The information Technology landscape for the Financial Services Industry.
•       The Global and Local outlook for IT in the Financial Services
•       Starting blocks of Analysis: What is the Procurement Standard
•       IT Risks and Business Risks
•       Best practices on IT and IT outsourcing

Activity: Where is the Customer in Automation

B.      Demystifying IT Outsourcing and Procurement

*How to Understand IT outsourcing from Non-Technical Perspective.
* Who is the User?
* Different Tools to Analyze Outsourcing Requirements
* Summary of BSP Regulations
-Cir. 488 series 2005
-Cir. 808 Guidelines of IT Risk
-Cir. 488 series 2005
-Cir. 808 Guidelines of IT Risk
-Cir. 808 Guidelines of IT Risk Mgnt
-Cir. 899 –Guidelines on Outsourcing
-Cir 900 –Operational Risk Mgnt

Activity: Who is the End User?

C. IT Outsourcing as Part of the Capital Budgeting/Expenditure Process.
D. Issues and Concerns.
E. Plenary presentation and Critique.
F. Next Steps: Essential Take-Aways

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Internal Audit Training – A Practical Approach – August 10-11, 2018 – Bayanihan Hall

INTERNAL AUDIT TRAINING (A Practical Approach)

Date: Aug 10-11, 2018 (Fri-Sat)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
GIL M. SORITA, CPA, CIA,CISA, MBA
Bank Executive Officer, Accredited External Quality Assurance Validator
for Internal Audit Activity

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 P1,600.00 /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:   August 03, 2018

Course Objectives

1) To recognize and emphasize the importance of control points/processes.
a.  Learn practical applications of audit and internal control
procedures.
b. Identify and be able to implement key infrastructure policies,
procedures and processes.
2) To meet BSP’s expectation on bank’s internal audit department
3) To complement risk based auditing

Expected Participants
Internal Auditor, Bookkeeper, Compliance Officer, Risk Management
Committee –Director, President, Branch Managers

Course Outline
Overview of the principles
A.   BSP expectations relevant to the internal audit function
1. The internal audit function (BSP 499 s.2005)
2. Key features of the internal audit function
3. Qualification Standards of the Internal Auditor
4.    Scope of activity
5. Corporate governance considerations
6.    The internal audit charter
B.   International Standards for the Professional Practice of Internal
Auditing (Standards)
C.   Definition of Internal Auditing
D.   Code of Ethics
E.    Development of Internal Audit Strategic Plan
F.    Difference between Internal and External audit
G.   Managing the Internal Audit Department
H.   Audit Objectives and the Audit Process
I.      Planning the Audit
a.    Introduction
b.    Preliminary Survey
c.    Development of an overall audit plan
d.    Co-coordinating the work to be performed
J.     Establishing the Degree of Reliance on Internal Control
a.    Introduction
b.    Identifying, documenting and testing control procedures
c.    Examples of controls
d.    Inherent limitations of internal control
e.    Considering the influence of environmental factors
f.     Determining the nature, timing and extent of substantive tests
K.   Performing Substantive Procedures
a. Audit Techniques
b. Specific substantive procedure consideration
L.   Communicating Results
a. Audit Findings
b. Audit Report
K.   Monitoring

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Liquidity Risk & Stress Test Training – Aug 03-04, 2018 in Bayanihan Hall

LIQUIDITY RISK MANAGEMENT  AND STRESS TESTING TRAINING

Course Objectives
Liquidity Risk Management and Stress Testing are key components for
managing risk of strategic initiatives a bank.  It is imperative for banks
to understand the results of a stress test and evaluate strategic
initiatives to help offset the potential impact by optimizing
risk-weighted assets and capital usage. BSP Circular 989 and Cir . 981

*Understand liquidity risk management and stress testing.
* Identify and assess business vulnerabilities and gain valuable insights
on implications of plausible stresses within the bank’s portfolio
*Learn to embed risks in strategy, budget and capital planning

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

Course Outline

A.      Liquidity Risk Management
•       Liquidity Risk Management Framework
•       Liquidity Risk Management Process
•       Intraday Liquidity Risk Management
•       Foreign Currency Liquidity Management
•       Intragroup LRM
B.      Stress Testing Framework   and Responsibilities
1.      Design
2.      Methodologies
3.      Severity of Stress Events
4.      Portfolio, Individual Risk and Institutional-wide-Stress Testing
5.      Impact Assessment
6.      Independent Review of Stress Testing

Strategic Human Resource Management – July 27-28, 2018 in Gov. Licaros Hall

STRATEGIC HUMAN RESOURCE MANAGEMENT

Date: July 27-28, 2018 (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:  July 23, 2018.

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

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CLOSED: Cash Flow Statement – Understanding & Analyzing – Jul 21, 2018 -PhilTown Hotel CDO

Course Title:     Cash Flow Statement – Understanding, Interpreting, and
Analyzing
Venue:     Philtown Hotel, Cagayan de Oro City
Schedule:     July 21, 2018 (Saturday)
Duration:     1 day (8:30AM-5:00PM)
Resource Person:   Ms. Belle Noreen Castillo–Estrada, CPA – CFO,
Bank Manager –Account Management /Treasury
and Faculty Member

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

In this connection, we would like to enjoin rural banks to send their Loan
Officers, Remedial & Credit Officers, Branch Managers, President,
Directors  to attend the seminar.

Registration fee per participant:

a)      Two Thousand Seven Hundred Pesos only (P2,700.00) on or before June 29,
2018 (Early Bird Rate)
b)      Three Thousand Pesos Only (P3,000.00) after June 29, 2018.
c)      Registration will cover meals (2 snacks and lunch) per day

Expenses incurred to and from venue and accommodation should be borne by
the participants.

For your reservations, kindly submit to us the following not later than
July 13, 2018:
1.      Registration form of the participant(s) duly endorsed by the bank’s
authority;
2.      Payments can be remitted to the MOBCI-FRB c/o MINDANAO CONSOLIDATED
COOPERATIVE BANK bank account Land Bank of The Philippines (LBP) Savings
Account Number- 2412-0000-67. Proof of payment (i.e., deposit slip) should
be sent immediately to MOBCI-FRB via e-mail (khrielkimura@gmail.com) for
verification. For check payments, check should be payable to
MOBCI-Federation of Rural Banks;

Only those rural banks that have complete requirements will be given
reservation. Please be advised that we will be accepting up to fifty (50)
participants only. We reserve the right to limit the number of
participants to a manageable level. Participants will be accepted on a
first-come-first-served basis.

For your reservation, please call: 0915-712-1915/ 088-856-1550 and look
for Ms. Jaelemmor Khriel Kimura, the MOBCI-FRB recording secretary.

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!

Mr. Wilner A. Palacios
President, MOBCI-FRB

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CLOSED: Sound Credit Functional Framework Training – Jul 19-20, 2018 – PhilTown Hotel CDO

Course Title:        Sound Credit Functional Framework Training
Venue:     Philtown Hotel, Cagayan de Oro City
Schedule:      July 19-20, 2018 (Thursday–Friday)
Duration:      2 days (8:30AM-5:00PM)
Resource Person:   MR. TITO TIRONES, Bank & SME Consultant/Trainer

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

COURSE OUTLINE:

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
I. Loan Packaging
*Stages
*Roles and Responsibilities of the Account Officer
*General Types of Loans
*Important 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

In this connection, we would like to enjoin rural banks to send their
President, BODirector, Branch Managers, Loan Officers, Account Officers,
Appraisers, Sales Officers, ROPA Managers to attend the seminar.

Registration fee per participant:

a)      Five Thousand Pesos only (P5,000.00) on or before June 29, 2018 (Early
Bird Rate)
b)      Five Thousand Five Hundred Pesos Only (P5,500.00) after June 29, 2018.
c)      Registration will cover meals (2 snacks and lunch) per day

Expenses incurred to and from venue and accommodation should be borne by
the participants.

For your reservations, kindly submit to us the following not later than
July 13, 2018:
1.      Registration form of the participant(s) duly endorsed by the bank’s
authority;
2.      Payments can be remitted to the MOBCI-FRB c/o MINDANAO CONSOLIDATED
COOPERATIVE BANK bank account Land Bank of The Philippines (LBP) Savings
Account Number- 2412-0000-67. Proof of payment (i.e., deposit slip) should
be sent immediately to MOBCI-FRB via e-mail (khrielkimura@gmail.com) for
verification. For check payments, check should be payable to
MOBCI-Federation of Rural Banks;

Only those rural banks that have complete requirements will be given
reservation. Please be advised that we will be accepting up to fifty (50)
participants only. We reserve the right to limit the number of
participants to a manageable level. Participants will be accepted on a
first-come-first-served basis.

For your reservation, please call: 0915-712-1915/ 088-856-1550 and look
for Ms. Jaelemmor Khriel Kimura, the MOBCI-FRB recording secretary.

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!

Mr. Wilner A. Palacios
President, MOBCI-FRB

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CLOSED: Compliance Officer’s Development Training – July 05-06 2018 in Bayanihan Hall

COMPLIANCE OFFICER’S DEVELOPMENT TRAINING

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 discuss the Chief Compliance Officers with their role in compliance
risk management system, particularly in preparation of compliance program
and testing activities.

Course Outline

First Day
Brief Discussion of BSP Circulars on Compliance ( 598, 747 and 972)
Compliance Risk Management
Compliance Function
Compliance Program
Duties and responsibilities of the Chief Compliance Officer
Organizational Structure
Responsibilities of the Board and Senior Management
MORB Awareness

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. 950 Amendments to Part 8 or the Anti-Money Laundering Regulations of
MORB
Cir. 951 Guidelines on Business Continuity Management
Cir. 956 Amendments to the Guidelines on the submission of Annual Reports
and the Sanctions to be imposed for Non-disclosure of relevant
information.
Cir. 963 Bank responsibility for the generation and timely submission of
Required Reports
Cir. 969 Enhanced Corporate Governance for BSP Supervised Financial
Institutions

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REGISTRATION CLOSED: BSP Cir 941 & 963 Briefing – July 05-06 – Hotel Elizabeth-Baguio

Briefing on BSP Circulars
No. 941 (Amendments to the Regulations on Past Due and Non-Performing Loans)
and
No. 963 (Bank Responsibility for the Generation and Timely Submission of
Required Reports to the BSP)

Date: July 05-06, 2018  (Thu-Fri)
Venue:
The Hotel Elizabeth -Baguio
#1. J. Felipe St., Baguio, Benguet

Time: 8:30am to 4:00pm

Resource Persons:

Mr. Junell Aian Castaneda
BO-V, Examination Dept. III
and
Ms. Marilou Fabiana
Acting Manager , SDC
of  the Bangko Sentral ng Pilipinas

Seminar Fee:
1. Regular Rate – P2,900.00
2. Non-Member/Delinquent – P3,300

Mode of Payment
•       A Non-Refundable commitment fee of P1,500.00 per participant.
•       Bank account (LBP – Intramuros Branch Savings Account: RBRDFI
•       Savings Account Number 0012-1046-26).
•       Proof of payment fax to (02) 527-2980.
•       Check payments, should be payable to (RBRDFI).

Seminar Methodologies
Lecture and Discussions

Expected Participants
President, Director, Credit Risk Officer Compliance Officer, Loan Officer,
and Branch Manager

Topics/Coverage:

DAY 1

I.   Rationale for the Issuance of Circular Nos. 855 and 941
II.  Key Changes
III. Overview of Sound Credit Risk
Management Practices, with specific focus on:
a) Credit Granting Process (Credit Grading/Scoring System)
b) Loan Loss Methodology for Retail/Homogenous Loans

IV.  Redefinition of Past Due and Non-Performing Loans (Credit Workout)

DAY 2

I.  Rationale for the Issuance of Circular No. (963)
II. Context Setting – use of information received by the BSP through
prescribed reports.
III. Overall Framework of Operational Risk Management under Circular 900
IV. Current Issues and Challenges
V. Circular 963 Proper
VI. Open Forum

***NOTE***
Those who prepare and approve BSP reportorial are highly encouraged to
participate

 Download Circular

CLOSED: BSP Cir 941 & 963 Briefing – June 21-22, 2018 – Crown Hotel- Naga City

Briefing on BSP Circulars
No. 941 (Amendments to the Regulations on Past Due and Non-Performing Loans)
and
No. 963 (Bank Responsibility for the Generation and Timely Submission of
Required Reports to the BSP)

Date: June 21-22, 2018  (Thu-Fri)
Venue:
Crown Hotel -Naga
#P. Burgos St., Naga City

Time: 8:30am to 4:00pm

Resource Persons:

Ms. Ching Garcia
Dep. Directory, Examination Dept. III
and
Ms. Katrina Constantino
SE Specialist , SDC
of  the Bangko Sentral ng Pilipinas

Seminar Fee:
1. Regular Rate – P2,700.00
2. Non-Member/Delinquent – P3,200

Mode of Payment
•       A Non-Refundable commitment fee of P1,500.00 per participant.
•       Bank account (LBP – Intramuros Branch Savings Account: RBRDFI
•       Savings Account Number 0012-1046-26).
•       Proof of payment fax to (02) 527-2980.
•       Check payments, should be payable to (RBRDFI).

Seminar Methodologies
Lecture and Discussions

Expected Participants
President, Director, Credit Risk Officer Compliance Officer, Loan Officer,
and Branch Manager

Topics/Coverage:

DAY 1

I.    Rationale for the Issuance of Circular Nos. 855 and 941
II.   Key Changes
III.  Overview of Sound Credit Risk
Management Practices, with specific focus on:
a)  Credit Granting Process (Credit Grading/Scoring System)
b) Loan Loss Methodology for Retail/Homogenous Loans

IV. Redefinition of Past Due and Non-Performing Loans (Credit Workout)

DAY 2

I.      Rationale for the Issuance of Circular No. (963)
II.     Context Setting – use of information received by the BSP through
prescribed reports.
III.    Overall Framework of Operational Risk Management under Circular 900
IV.     Current Issues and Challenges
V.      Circular 963 Proper
VI.     Open Forum

***NOTE***  Those who prepares and approves BSP reports are encouraged to
participate.

 Download Circular

REGISTRATION CLOSED: Comprehensive Property Appraisal Seminar – June 29-30, 2018 – Licaros Hall Intramuros

COMPREHENSIVE PROPERTY APPRAISAL SEMINAR

Date: Jun.29-30, 2018 (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:  June 15, 2018.

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

Download Circular

Download Confirmation Sheet

REGISTRATION CLOSED: Credit Investigation Seminar – June 28, 2018 – Licaros Hall Intramuros

CREDIT INVESTIGATION SEMINAR

Date: Jun 28, 2018 (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:   June 15, 2018

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

Download Circular

Download Confirmation Sheet

CLOSED: Financial Statement Analysis – A Tool in Credit Decision Making – Jun 21-22, 2018 – Bayanihan Hall

FINANCIAL STATEMENT ANALYSIS – A TOOL IN CREDIT DECISION MAKING

Date:  June 21-22, 2018 (Thu.- Fri.)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON

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

SEMINAR FEE
1. For Member  – P4,400 /person
2. Non-Member/Delinquent –  P5,200/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:  June 15, 2018.

This course will provide concepts, tools and techniques in analyzing
financial statement. The goal is to assist credit or investment decision
makers on their credit evaluation analysis.

Course Objectives
•       General concepts on tools and techniques in financial report analysis
and their application to specific cases
•       Recognize the interrelationships among the relationships among the
numbers in the financial statements using spreadsheet template
•       Draw intelligent conclusions on the results of financial performance.

Methodologies
The course will use combination of lecture, hands on spreadsheet tutorial,
financial statement preparation and analysis from various sample business
cases

Expected Participants
Marketing & Business Dev. Officer, Loan Officers, Account Officers,
Remedial & Credit Officers, Branch Managers

Course Outline

DAY 1
I        General Accounting concepts and principles relevant to financial
analysis.
II        Critical areas in evaluating financial statements.
III        Understanding financial statements.
IV        Red flags/Danger signs and how to recognize them.
V        Sample FS discussion.
VI       Techniques used in analyzing financial statements
VII        General Framework and limitations in analysis
VIII        Financial ratios and their relevance
IX        Horizontal and vertical analysis

DAY 2
I        Financial Statements and their relationships through spreadsheet
exercises.
II        Financial Analysis exercises.
III        Business Case and Application of Financial Statement Review and
analysis.
* to gain a solid understanding of financial statements

Download Circular

Download Confirmation Sheet

CANCELLED – Internal Credit Risk Rating System Workshop – May 11-12, 2018 – Bayanihan Hall

INTERNAL CREDIT RISK RATING SYSTEM WORKSHOP

Date: May 11-12, 2018 (Fri-Sat)
Venue: Bayanihan 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: May 04, 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
. Areas of Consideration in the Credit Review Process
d. Loan Loss Provisioning
e. Credit Review Reporting
f. Credit Review Responsibilities
g. CRR Monitoring and Reporting
h. Ratings Migration

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

Download Circular

Download Confirmation Sheet