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

Strengthening Internal Control System – Dec 14-15

STRENGTHENING INTERNAL CONTROL SYSTEM IN RURAL BANKS

SCHEDULE

Date: Dec 14-15, 2017 (Thu-Fri)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

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


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

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

DEADLINE TO SUBMIT REGISTRATION: December 08, 2017.


Course Objectives

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

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


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

Course Outline

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

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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

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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

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Business Continuity Management Program – Oct 06-07

BUSINESS CONTINUITY MANAGEMENT PROGRAM

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

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

SEMINAR FEE

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

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P1,400.00 /pax is
required, but its deducted from the total registration fee.

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

DEADLINE TO SUBMIT REGISTRATION: Sept. 29, 2017.

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

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

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

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

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

Threats:
• Hacking
• Virus
• Phising
• Social Engineering

Mitigating controls
• Vulnerability Assessment
• Penetration testing
• Hardening

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

CIR BCMP-Oct17 Download file click here

CS-BCMP-Oct17 Download file click here

Cash Flow Statement – Understanding & Analyzing – Sept 16 2017

CASH FLOW STATEMENT – UNDERSTANDING, INTERPRETING AND ANALYZING

Date: Sept 16, 2017 (Sat.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Belle Noreen Castillo –Estrada, CPA
– CFO, Bank Manager –Account Management /Treasury and Faculty Member

SEMINAR FEE
1. Member – P2,500 /person
2. Non-Member/Delinquent – P2,800 /person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P1,250.00 per participant.

Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax (02) 527-2969 /527-2980

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

DEADLINE TO SUBMIT REGISTRATION: Sept. 08, 2017.

Course Objectives

1. To emphasize the primary purpose of the Cash Flow Statement.
2. To analyze in detail the relationship between cash and changes in
assets, liabilities and equity accounts; to allow the participants to
understand the full integration of the income statement, balance sheet and
cash flow statement.
3. To help the participants understand and interpret the Cash Flow
Statement.
4. To be able to use the Cash Flow Statement to evaluate a company.

Course Outline
I. PRIMARY PURPOSE OF THE CASH FLOW STATEMENT
A. Answer the basic questions:
i. Where did the cash come from during the period?
ii. What was the cash used for during the period?
iii. What was the change in the cash balance during the period?
B. Illustrate the Types of Cash Inflows and Outflows under:
i. Operating Activities
ii. Investing Activities
iii. Financing Activities
II. DISCUSS THE STEPS IN PREPARING THE CASH FLOW STATEMENT
A. Discuss the different methods in preparing the Cash Flow Statement
B. Enumerate the data needed to prepare the Cash Flow Statement:
i. Comparative Balance Sheet (current year and previous year)
ii. Income Statement for the period
iii. Other transactions that affect how the cash was provided or
used during the period
C. Discuss the steps in preparing a Cash Flow Statement
III. HOW TO USE THE CASH FLOW STATEMENT IN EVALUATING A COMPANY
A. Discuss the various ratios as a tool to analyze a company.
i. Assessing Liquidity, Solvency, and Profitability using Cash Flow
Statement
B. What is free cash flow?
IV. VARIOUS EXERCISES

CIR CFlow-Sept17 Download file click here

CS-CFlow-Sep17 Download file click here

Risk Management Basic Course -Sept 7 -8

RISK MANAGEMENT BASIC COURSE

Date: Sept 07-08, 2017 (Thu-Fri)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. JORGE E. DIONEDA, CPA,
Chief Risk & Financial Tech Officer, Bank Consultant in Credit
and Risk Analysis and Certified FINTECH professional.

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

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

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

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

DEADLINE TO SUBMIT REGISTRATION: Sept. 01, 2017.

Course Objectives

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

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

Course Outline
A. General concept of Risk Management
*Risk definition
*Risk characteristics
*Risk and Capital –(ICAAP)
B. Contextualizing Risk Management Scope
• Nature of Rural Bank’s operation.
C. Risk Management Processes and Applications
*Enterprise Risk Management Framework from COSO and Risk Management
Pillars of Basel Risk
D. Credit Risk Management
1. Credit risk framework
2. Basic components
3. Credit risk Tools and Processes of each component
* BRR/Rating/Scoring
* Facility Risk Rating
* Rating Migration
* Rating Validation
*Sample MIS reports on delinquency.

E. Operational Risk Management * History & Definition of Operational Risks
*BSP Regulations –related to Risk Management
*Operational Risk Framework

F. Management of Operational Risk arising from Financial Inclusion
Initiatives.
* Microfinance
* SME Lending
* Remittance

G. Implementation of Operational Risk Management Framework –RB
*scope and challenge of the implementation
*series of approaches and questions

H. Application : Case Analysis and video presentations

CIR RiskMgmnt-Sep17 Download file click here

CS-RiskMgnt-Sep17 Download file click here

Credit Analysis & Loan Packaging Seminar – Aug 29-30

CREDIT ANALYSIS & LOAN PACKAGING SEMINAR

Date: Aug. 29-30, 2017 (Tue.- Wed.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

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

SEMINAR FEE
1. For Member – P3,800 /person

2. Non-Member/Delinquent – P4,200/person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

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

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

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

DEADLINE TO SUBMIT REGISTRATION: August 22, 2017.

Course Objectives
• Understand the lending process cycle
• Identify relevant criteria to assess credit worthiness
• Provide theoretical basis for credit principles and process
• Develop the appropriate loan package based on actual, identified, and
cash flow analysis.
• Perform Credit Analysis in reviewing financial statements.
• Use a common spreadsheet format in analyzing financial statements
Methodologies
The course will be discussed in the point of view of lenders/account
officers and decision makers. We will use a combination of lecture and
workshops. There will be a short lecture, exercises on account
profitability analysis, financial spreadsheet and financial and cash flow
analysis. Writing a credit proposal.
• Laptop and calculator
• Sample loan approval ***
Course Outline
DAY 1
➢ Settling the Lending Criteria and eligibility requirements.
➢ Overview of BSP relevant circulars pertaining to credit evaluation.
➢ Guidelines in prescreening the borrower and know the essential
information needed.
➢ Credit Principles
➢ Determination of working capital and project cost estimate.
➢ Lending process flow overview
➢ Types of Credit Facilities
➢ Amortization schedule
➢ Discount versus in arrears interest
DAY 2
a. Account Profitability Analysis
b. Collateral evaluation
c. Financial analysis and cash flow
d. Relevant Ratios
e. Understanding the spreadsheet
f. Standard Line Wording
g. Credit Proposal Format
h. Actual Credit Proposal preparation
for selected accounts.
Summary
• Stress the importance of having credit policies, procedures and credit
risk management system in place.
• Highlighting the BOD role and responsibilities
• Advises FI to perform GAP Analysis as required by BSP Cir. 855

CIR Credit&LoanPack-Aug17 Download file click here

CS-Credit&LoanPack-Aug17 Download file click here

Remedial Management Seminar – Aug 24-25 2017

REMEDIAL MANAGEMENT SEMINAR

Date: Aug. 24-25, 2017 (Thursday -Friday)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
Mr. Tito C. Tirones
– Bank & SME Consultant/Trainer
Judge Maria Zenaida Bernadette Mendiola
-RMC Lawyer/Bank Trainer -Consultant

SEMINAR FEE
1. For Member only – P3,900 /person
2. Non-Member/Delinquent – P4,200 / person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

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

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

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

DEADLINE TO SUBMIT REGISTRATION: Aug. 18, 2017.

Course Objectives
• The course will establish the fundamentals of loan accounts management,
Remedial Accounts
Management and recovery.
• Enable the participants to gain actual and factual lessons in the
conduct of Accounts Remedial
Management.
• Provide insight of another possible approach of conducting ARM
• Acquaint in various legal strategies in handling problem accounts
• Be familiar with the basic legal provisions relative to the foregoing
remedies, to differentiate one
from the other, to avoid common legal pitfalls in the application.
Course Outline

DAY 1
a. General Overview of Accounts Management.
Why go in Remedial Management
The importance of RM in the overall account management process
Actual practice of RM vs what should have been.

b. Risk Identification Process
How a loan becomes a problem
Early Warning Signs of a Deteriorating Account

c. Remedial Management Process
Organizational set-up or RM Unit.
Mindset of officers in handling RM accounts
Actual handling of Remedial Accounts

DAY 2
I. Legal Strategies in Remedial Management
Preliminary Steps
Non-adversarial methods
Adversarial proceedings

II. Basic Legal Concepts, Related Laws and Legal Requirements
a. Dacion en Pago
b. Restructuring
c. Rehabilitation
d. Foreclosure (REM,CHM, Pledge, Deed of Assignment)
e. Collection Cases
f. Filing of Criminal Cases

CIR RemedialMgnt-Aug17 Download file click here

CS-RemedialMgnt-Aug17 Download file click here

Comprehensive Property Appraisal Seminar -Aug 11-12

COMPREHENSIVE PROPERTY APPRAISAL SEMINAR

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

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

Course Outline

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

CIR CAppraisal-Aug17 Download file click here

CS-CAppraisal-Aug17 Download file click here