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Training Cancellation Notice

Date: March 13, 2020
To:  Training Participants / Rural Banks
Re:  Cancellation of Training-Seminars

In view of the recent pronouncement of President Rodrigo Duterte of
placing Metro Manila under Community Quarantine. The Government
instruction prohibits travelling/leaving to and from the Capital starting
March 15 to April 14, 2020, in order to prevent the spread further of
CoVid 19.

Since majority of our training-seminar attendees will come from the
provinces/outside Metro Manila, plus the fact that travelling to the
training venue (Intramuros) is restricted, I hereby announce the
CANCELLATION of the upcoming seminars:

1) Credit Investigation Seminar – March 26, 2020
2) Key Risk Indicators and Scorecard Training – March 26-27, 2020
3) Comprehensive Property Appraisal Seminar – March 27-28, 2020
4) Basic Course on Tellering – April 02, 2020
5) Signature Verification, Bank Fraud and Forgery Detection Seminar –
April 3, 2020
6) Business Continuity Management Training – April 3 -4, 2020

Paid participants of the above-mentioned training-seminars may either
request for a full refund or apply it to new schedule.

As of this time, everyone’s safety is paramount. Rest assure that we will
re-offer the said courses and notify you as soon as any development
arises.

Thank you for your support and cooperation.

Dr. Armando B. Bonifacio
Chairman

Seminar on Risk-Based Compliance Program -Apr 17-18 in RBAP Intramuros

SEMINAR ON RISK-BASED COMPLIANCE PROGRAM

Date: Apr. 17-18, 2020 (Fri-Sat)
Venue: Bayanihan Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON

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

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

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,700.00 /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 08, 2020

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.      Day 1

•The Risk Universe
•The Risk Universe
•Three-lines of Defense Model
•Linkages of Governance, Internal Control and Risk Management
•Sources of compliance laws, rules and standards
•Responsibilities of BOD and Senior Management
•The Compliance Function Principles
•The Compliance Officer
•Outsourcing Compliance Function
•The Roles of BSP and the Compliance Function
•Risk-based Compliance Risk Management Process
•The Risk-based Compliance Program

B. Day 2

Stress Testing
•Definition
•Uses and importance
•Process
•Evaluating Stress Testing
Workshop
•Prepare risk-based compliance program
•Prepare risk-based compliance Testing

-Laptop for workshop
-Compliance Program Manual

ONLINE REGISTRATION
https://forms.gle/3KppM3S6769q7WP66

Stressed Asset Mgmnt and Recovery Training – Apr 16-17 in RBAP Intramuros

STRESSED ASSET MANAGEMENT AND RECOVERY TRAINING

SCHEDULE
Date: Apr. 16-17, 2020 (Thu-Fri.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSONS
Ms. Alice P. Liboon, MAEcon
– Corporate Banker & SME  Consultant/Trainer
Mr. Jose F. Acetre
– Corporate Banker- Marketing, Remedial & Acquired Assets, Trainer &
Consultant

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

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P2,700.00 per participant.
Bank:  LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax  (02) 527-2969 /527-2980

EXPECTED PARTICIPANTS
Bank Managers and Directors, Account Relationship, Risk Officer,
Collection Officers & Staff

DEADLINE TO SUBMIT REGISTRATION: April 08, 2020.

Course Objective:
To enhance knowledge and skill development in handling stressed
assets and work efficiently in recovering loans. Stressed Assets
adversely affect the business of the banks, hence, require timely
and orderly recovery.

1.Develop skills of dealing with loan accounts classified as stressed assets.
2. Understand the role of various recovery and settlement processes in
dealing with non-performing assets.
3. Develop products and services for target customers and improve account
solicitation with techniques on winning and retaining clients.
4. Appreciate the method of compromise as means of recovery.
5. Be updated with supervisory policies and strategies of the reduction of
NPA.
6. Develop effective acquired assets selling/marketing strategy.

Course Outline
First Day

I. Definition – Why go into Stress or Remedial Asset Management?
II. Problem recognition: systematic program of loan review.
III. Strategic Analysis: When a problem is Spotted
Documentation/Collateral Review
Review of Laws and BSP Regulations.
IV. Various Recovery and Settlement Plans:
Collection
Negotiated Settlement
Rehabilitation
Sale to third parties
Litigation
Compromise

Second Day
V. Group work of assigned cases
VI. Understanding impact of acquired properties from loans-ROPA on:
*Capital
*Income
*Carrying Cost
VII. Segmenting ROPA Base
VIII. Creating/Adding Sales Channel
IX. Marketing arm and marketing schemes
X. Disposing assets with issues
XI. Conversion of Assets into “Ready for Sale”
XII. Pricing of Assets
XIII. Selling strategy

ONLINE REGISTRATION
https://forms.gle/au2Tx5ssRsB6dKqi7

AML Online Training and Certification

Anti-Money Laundering Online Course now available!
5% discount for ALL RBAP Members.

Visit   https://rbap.org/e-library

* Convenient way to complete your compliance training requirements
* Accessible online via any web browser or mobile devices (recommended on
Google Chrome)
* Finish the entire course in half a day or at your own pace
* Receive a secure E-Certificate; recognized by the Anti-Money Laundering
Council (AMLC).

Free regulatory updates for 1 year (Course can be used as Refresher
Material) Unlimited access for 1 year Regular Price: Php 2,800 (including
VAT)

** SPECIAL DISCOUNT FOR RBAP MEMBERS: 5% discount automatically applied
for RBAP members using the link below.

ONLINE REGISTRATION
https://rbap.org/e-library

** Additional Discounts will Apply for Enrollment for 50 pax and Above
(Select “RBAP Multi-User AML/CFT E-Learning, 2020” and input 50)

Business Continuity Management Training – Apr 3-4 in RBAP Intramuros

BUSINESS CONTINUITY MANAGEMENT TRAINING

SCHEDULE
Date: Apr 03-04, 2020 (Fri-Sat)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
DON V. SUMADSACHAT, CRA
Bank Executive Officer, Consultant Trainer,

SEMINAR FEE
1. Member –  P4,900/per person
2. Non-Member/Delinquent – P5,400/per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P2,450.00 per participant.
Bank:  LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax  (02) 527-2969 /527-2980

DEADLINE TO SUBMIT REGISTRATION: Mar 27, 2020

Course Objectives
1.Performs a risk assessment and Business Impact Assessment (BIA) to
identify vulnerabilities.
2. Select and deploy alternative site for continuity of mission-critical
activities.
3. Enhance guidelines on Information Security Management-BSP Cir. 982
4. Comply with regulatory reporting in eventuality of business disruption.
5. Identify appropriate strategies to recover the infrastructure and
processes.

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

Expected Participants
President, BOD, Senior Management, Business Continuity Management,
HR-Dept. and Compliance and Risk Management Officers, Branch Managers

Course Outline

A. Overview of Operational Risk Mgmnt, BSP Cit. 900
B. BCM Policy Statement
C. Definition of BCM
D. Duties and Responsibilities
* BOD
* Management
* Personnel of the RBs
* Audit

E. BCM Framework
*Business Impact Analysis and Risk Assessment
*Strategy Formulation
*Plan Development
*Plan Testing
*Personnel Training and Plan Maintenance

F.Other policies, standards and process
* Pandemic planning
* Cyber resilience
*Information Security
*Interdependencies
*Project Management
*Event/Problem Management
*Outsourcing
*Insurance

G. Supervision Enforcement Action
H. Transition Provision

ONLINE REGISTRATION
https://forms.gle/zCpExKZ9unNUBr3B7

Signature Verification Bank Fraud & Forgery Detection Seminar – Apr 3 in RBAP Intramuros

SIGNATURE VERIFICATION, BANK FRAUD AND FORGERY DETECTION SEMINAR

SCHEDULE
Date: Apr 03, 2020 (Fri)
Venue: RBAP, Intramuros, Manila
Time: 8:30am to 5:00pm

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

SEMINAR FEE
1. For Member  – P3,200
2. Non-Member/Delinquent –P3,700

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: March 25, 2020.

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

ONLINE REGISTRATION
https://forms.gle/NPdobj67z5Xb5wxc7

Basic Course on Tellering – Apr 2 in RBAP Intramuros

BASIC COURSE ON TELLERING

SCHEDULE
Date: April 02, 2020 (Thu)
Venue: Licaros Hall, Intramuros, Manila
Time: 8:30am to 5:00pm

Resource Person:
Ms. Victoria Palanca
Branch Bank Head, Trainer & Consultant

SEMINAR FEE
1. For Member  – P3,200 /pax
2. Non-Member/Delinquent –  P3,700 /pax

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: March 25, 2020.

At the end of the one-day session, participants should be able to:
I.Classify his/her role and identify the main job of his/her position in
conformity with bank rules and regulation.
II.Process transactions proficiently according to par policies and
procedures.
III.Adhere to established internal control measures in accepting, sorting,
and handling checks and cash

Seminar Methodologies
Lecture, Discussions and Workshops
Course Outline

I.    The Teller
II.   General Operations of Tellering
III.  Documents on new accounts
IV.   Tellers’ receiving functions
V.    Negotiable Instruments Law
VI.   Tellers’ paying functions
VII.  Customer satisfaction
VIII .Curtailing frauds and mistakes

ONLINE REGISTRATION
https://forms.gle/aknfYXMShuGseJd76

Key Risk Indicators and Scorecard Training – Mar 26-27 in RBAP Intramuros

KEY RISK INDICATORS AND SCORECARD TRAINING

Date: Mar 26-27, 2020 (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 –  P4,800/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 P2,300.00 per participant.
Bank:  LBP – Intramuros, Branch
Account Name: RBRDFI
SA No. 0012-1046-26.
Telefax  (02) 527-2969 /527-2980

DEADLINE TO SUBMIT REGISTRATION: Mar 19, 2020

Course Objectives
The seminar aims to compile or monitor KRIs on a monthly basis and to
come-up with risk scores each 3 major risk areas.

1.Identify Key Risk Indicators (KRIs) for market and liquidity, operations
and technology, and credit risks, and translate these into a scorecard.
2.Monitor the risk profile of the bank and address the root cause/s for
risk mitigation and controls.

Seminar Methodologies
Lecture, Discussions, and Workshop: computations and interactive exercises
Expected Participants
Loan Officers, Account Officers, Managers, Appraisers, Sales Officers,
ROPA Managers

Course Outline

• Risk Introduction
-Definition
-Major Risk Types
• Key Risk Indicators (Cir. 900, Basel II)
-Definition
-KRI Process
• Market and Liquidity Risk Indicators Overview and Dashboard/Scorecard
a. Key Risk Indicators (Cirs. 996, 1034, 1035)
b. Statutory Ratios (Cirs. 414,613,688,1035, MORB)
c. Market and Liquidity Dashboard and Scorecard
• Operations and Technology Risk Indicators Overview and
Dashboard/Scorecard
a. Key Risk Indicators (Basel II)
b. Operations and Technology Risk Dashboard and Scorecard.
c. Sample Operations and Technology Risk Report to the BOD
• Credit Risk Indicators Overview and Dashboard/Scorecard
• Key Risk Indicators (Cir. 855, MORB)
• Credit Risk Dashboard and Scorecard
* Sample Credit Risk Report for the BOD
* Review of Market and Liquidity Risk, Operations and Risk Scorecards.
• Interactive Workshop
a. Determination of individual Risk Scores and Overall Bank Score.

ONLINE REGISTRATION
https://forms.gle/M3UKTR75KSdDfznH9

Comprehensive Property Appraisal Seminar – Mar 27-28 in RBAP Intramuros

COMPREHENSIVE PROPERTY APPRAISAL SEMINAR

Date: Mar.27-28, 2020 (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 –  P5,000 /per person
2. Non-Member/Delinquent –  P5,500 / per person

MODE OF PAYMENT
Check payable to:

Rural Bankers Research & Development Foundation Inc.
Non-Refundable commitment fee of P2,500.00 per participant.

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

DEADLINE TO SUBMIT REGISTRATION: March 20, 2020.

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/paGAzYz1jW4YJPd68

Credit Investigation Seminar – Mar 26 in RBAP Intramuros

CREDIT INVESTIGATION SEMINAR

Date: Mar 26, 2020 (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 –  P3,500/per person
2. Non-Member/Delinquent –   P4,000 / per person

MODE OF PAYMENT
Check payable to:
Rural Bankers Research & Development Foundation Inc.
Non-Refundable commitment fee of P1,800.00 per participant.

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

DEADLINE TO SUBMIT REGISTRATION: March 20, 2020
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

ONLINE REGISTRATION
https://forms.gle/oqPUdaffiGqTWyDW9

Basic Corporate Governance for Bank Directors – Mar 12-13 in RBAP Intramuros

BASIC CORPORATE GOVERNANCE FOR BANK DIRECTORS SEMINAR-WORKSHOP

Date: Mar. 12-13, 2020 (Thu-Fri)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSONS

Ms. Irene DL Arroyo
VP for Treasury – PDIC
Consultant/Trainer

SEMINAR FEE

1. Member – P6,200 / pax
2. Non-Member/Delinquent – P6,700 / pax

MODE OF PAYMENT
Check payable to:
Rural Bankers Research & Development Foundation Inc.
Non-Refundable commitment fee of P3,200.00 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: Mar. 06, 2020

Course Objectives
1 Pursuant to the following BSP Circulars
a)Cir. No. 296 prescribing the minimum qualifications of a bank director,
b)Circulars No. 749 and 969 enhanced Corporate Governance sets new
guidelines in Financial Institutions”.
*To gain comprehensive understanding of:
a.the principles of Good Corporate Governance;
b.understand the value of their roles in promoting it in 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
II. Board’s Overall Responsibilities
III. Board’s Own Structures and Practices
IV. Senior Management
V. Governance of Group Structures
a. Governance for Family-owned Banks
b. Shareholder Activism
IV. Risk Management Function
VII. Risk Management Process
VIII. Risk Communication:
a. Internal Control
b. External Control

IX. Compliance
X. Internal Audit
XI. Compensation
XII. Disclosure and Transparency
XIII.  Role of Supervisors
XIV.  Group Case Studies & Discussions

ONLINE REGISTRATION
https://forms.gle/bBKpE9VMgjv2jSGn8

Effective Budgeting & Forecasting Techniques for Credit – Mar 20-21 in RBAP Intramuros

TRAINING ON EFFECTIVE BUDGETING & FORECASTING TECHNIQUES FOR CREDIT

Date: Mar.20-21, 2020 (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 –  P4,800/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: Mar 13, 2020.

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:

ONLINE REGISTRATION
https://forms.gle/SXQiF5CS1DQ7KFVq5

Strengthening Internal Control Systems in RBs – Mar 05-06 in RBAP Intramuros

STRENGTHENING INTERNAL CONTROL SYSTEM IN RURAL BANKS

SCHEDULE
Date: Mar. 05-06, 2020 (Thu-Fri)
Venue: Gov. NAE Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

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

SEMINAR FEE
1. For Member –  P4,900/per person
2. Non-Member/Delinquent – P5,400 / per person

MODE OF PAYMENT
Check payable to:
Rural Bankers Research & Development Foundation Inc.

Non-Refundable commitment fee of P2,500.00 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:Feb. 26, 2020

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

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 Financial 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

ONLINE REGISTRATION
https://forms.gle/9VSEBrqaGLfG8×178

Sound Credit Functional Framework Training – Feb 27-28 in RBAP Intramuros

SOUND CREDIT FUNCTIONAL FRAMEWORK TRAINING

SCHEDULE

Date: Feb 27-28, 2019 (Thu-Fri)
Venue: Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

RESOURCE PERSON
MR. TITO TIRONES
– Bank & SMEConsultant/Trainer

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:Feb. 21, 2020.

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
*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

ONLINE REGISTRATION
https://forms.gle/n9JjGyKXgR5QpmP87

Intro to IT Auditing Seminar – Feb 21-22 in RBAP Intramuros

INTRODUCTION TO IT AUDITING SEMINAR

Date: Feb 21-22, 2020 (Fri-Sat.)
Venue: Gov. Licaros Hall, RBAP, Intramuros,
Time: 8:30am to 5:00pm

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

SEMINAR FEE
1. For Member  – P5,000 /person
2. Non-Member/Delinquent – P5,500/person

MODE OF PAYMENT
Check payable to:
Rural Bankers Research & Development Foundation Inc.

To reserve slot, a Non-Refundable commitment fee of P2,500.00 /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: February 14, 2020.

I. Objectives
•Gain a working understanding of IT Audit concepts and practices.
•Clarify the difference and importance of general versus application
control audits.
•Appreciation of the importance of IT in achieving organizational
objectives in providing assurance that appropriate controls are designed,
implemented and in effect to attain system integrity, security and
availability.
•To complement risk-based auditing.

II.Target Audience
Various levels of Bank Officers and Staff handling or implementing IT
controls and providing oversight and assurance /audit

Course Outline
Preview: IT Audit Compliance Checklist
Background -ITRMS
*BSP Cirs. 808, 982, 1019

Role of the IT Auditor
*Objectives of IT Audit
*Information systems and its business impact
*The IT Audit Universe

Understanding the IT Controls Frameworks
*COSO
*COBIT 4.1 & 5
*ISO27001/2

Auditing General Controls
*General Controls Review
*IT Governance and Management
*Information Security Management
*Configuration Management
*Identify and Access Control Management
*Data Management
*Incident Response and Business Continuity
*Cloud computing and Outsourcing
*Physical Security and Media Management
Auditing IT Applications
*Objectives of Application Systems Audits
*Key Application Processes
*Understanding the Risks and Control in the

IT Process Modules.
*Planning Different Types of Application Audits
*Establishing an Audit Workplan

Auditing Systems in Development
*Comparing different System Development Life Cycle (SDLC) Models
*Audit Objectives and Roles in Systems Development

Workshop:
•Risk Assessment IT-Audit Universe
•Compliance checklist-oversight of technology risks by Board and Senior
Management

ONLINE REGISTRATION
https://forms.gle/wfp3KkjEvERjs4Zr5