Quarter 3 Calendar

01/

Management of Retail Lending Operations (03-05, Oct'19)

Banks should gear up to improve their market share in retail for deepening market reach. India, given its favorable demographics, has huge potential for retail lending.  Thus, it is expected that the share of retail loans in lending may climb from 19% to 24% over the next four years.  All banks are now focusing on increasing lending to retail sector.

03/

Management of Stressed Assets - IBC & Other Resolution Tools (09-11, Oct'19)

It is need of the hour that banks are able to use all available tools for management of these assets and put the asset quality back on right track. It is of utmost important that banks become more proactive and take steps for resolution immediately after the first default has occurred. Thus we shall be conducting programme as stated above, covering following aspects.

05/

Risk Management in Banks and Financial Institutions (14-18, Oct'19)

Risk Management as a systemic control has been an integral part of banking industry in India since inception and overtime has evolved in tune with various BASEL Accords.  However, despite adoption of improved versions of these accords, the challenges in managing the risks continue worldwide.  Banks are now almost familiar with the implementation of BASEL III norms and are gearing themselves up for the revised version of Basel III which will become applicable from 2022.  It is therefore necessary to sensitise the line management about the nuances of each diverse risk so that better risk management strategies become an integral part of risk management at all levels.

08/

Resolution of Stressed Assets - With Focus on New RBI Guidelines including Insolvency & Bankruptcy Code (21-25, Oct'19)

Banks have to continuously focus on NPA recovery and on controlling further slippages.  In order to achieve these objectives, it is essential that officers involved in NPA management & controlling slippages have adequate knowledge of the subject and are well conversant with the various tools available to do so.  They should also be acquainted with latest changes and shift in the role of banks in inter-creditor agreement, invocation of IBC and sale of assets to ARCs.

10/

Grooming First Time Branch/Potential Managers (30 Oct - 02 Nov, 2019)

The programme, therefore, aims to :

  • Empower the First Time Branch Managers by enabling them to rediscover their strengths and potentials.

  • Equip them with the skills to become assertive by sharpening their managerial skills, and 

  • Help them chalk out appropriate strategies and action plan for branch business and profitability. 

12/

Recovery Management in Banks and Financial Institutions (04 - 08 Nov, 2019)

The decline in GNPA after many quarters of alarming growth in NPAs is positive development in banking industry.  Recent regulatory changes are touted to have brought in better discipline in credit assessments, provisioning and management of operational risk.  Fresh slippages have also shown a declining fraud, however, NPAs are still at high perch.  It will put further stress on banks’ capabilities of fresh quality lending, if stressed assets are not handled effectively.

14/

Changing Legal aspects in Banks (for Law Officers)

(13 - 14 Nov, 2019)

Under Process

16/

Para Banking - Wealth Management with Focus on Mutual Fund, Insurance & Demat Accounts etc. (15 - 16 Nov, 2019)

The shift in focus towards the fee income also needs exploring alternate business avenues for such earnings.  The cross selling of products such as Mutual fund, Insurance and Demat Accounts plays vital role in augmenting such fee based income.  Safe Deposit Vaults, custodial services, underwriting, govt. business, pension services and such other advisory services are also some of the other potential sources of alternate income.

18/

Management of MSME Financing (18 - 22 Nov, 2019)

The programme is designed to enable participants to appreciate growing market opportunities in financing the MSME sector and equip themselves with the modern tools and techniques for assessing their funding requirements and also for offering tailor-made financing package to them.

19/

Corporate Credit Management (25 - 29 Nov, 2019)

The financing of mid and large corporate sector calls for a different orientation, understanding the skills for assessing risk and for formulating tailor made loan packages to suit the individual corporate requirement. Though banks have well established loan policies, yet process improvements in banks have been initiated with the help of technology to improve turnaround time. The new generation of bank executives should therefore be conversant with not only internal procedures of Credit appraisal and processing but also to access market intelligence reports to undertake qualitative credit appraisal system to improve robustness. Application of data analysis, lending automation and interpretation of financial statements and relating them to the underlying projects to be funded needs a deeper analytical competence.

21/

Programme on Leadership Excellence for Branch Managers (02 - 06 Dec, 2019)

Instead of pushing people to achieve, successful leaders groom people to succeed and refine their leadership skill-sets to make it to the top. Consequent to new generation employees taking over the reins, banks are witnessing a paradigm shift in the attitude of human capital. In order to play a constructive role in the future growth of organization, it is high time for the younger generation to understand that banking today is all about ‘leading’ going beyond the trajectory of ‘managing’ because a good manager should also be a good leader too.  Therefore, it is imperative for them to learn and understand the nuances of ‘Managing’ and ‘Leading’ the banking operations in unison, so as to harness full potentiality of emerging growth.

24/

Introduction to Data Analytics (12 - 13 Dec, 2019)

The programme is meticulously designed to impart acknowledge and skill to the target category of officers and executives to properly understand, analyse and put to use set of MIS in the bank to the best of the advantage of banks to enhance their business performance. 

26/

Recovery Management in Banks and Financial Institutions with focus on Case Studies of NCLT (16 - 20 Dec, 2019)

Considering the changed priorities of banks, NIBSCOM shall be conducting programme titled “Recovery Management in Banks & Financial Institutions with focus on Case studies of NCLTs”, which shall be useful for the human resources engaged or likely to be involved in NPA management. Focus of programme shall be on use of various recovery and resolution tools so as to bring down the level of NPA & stressed assets in absolute terms and in proportion to overall credit folio.

28/

Profitability Management in Banks (20 - 21 Dec, 2019)

In order for established existing banks to compete with new entrants, the methods of profitability management will have to undergo seminal changes. It calls for process reforms using technology and innovation in aligning costs and pricing to improve operational efficiency. The uses of CRM has to be fine tuned to offer "Best Fit" services as a part of bank's strategy to step up profitability. The new challenges posed by changing customer aspirations need re-engineering organisational structure to maintain optimum operational efficiency, hence profitability remains at the centre stage of business strategy. This programme has been designed to discuss & deliberate on the prevailing macro & micro economic conditions, banking developments & challenges impacting profitability of banks and is also aimed at stimulating thought processes amongst participants on the nuances of better management of profitability.

30/

Corporate Credit Management with Focus on Risk Based Pricing (23 - 27 Dec, 2019)

In the backdrop of the above factors, financing of mid and large corporate sector calls for a different orientation, understanding the skills for assessing risk and for formulating tailor made loan packages to suit the individual corporate requirement. Though banks have well established loan policies, yet process improvements in banks have been initiated with the help of technology to improve turnaround time. The new generation of bank executives should therefore be conversant with not only internal procedures of Credit appraisal and processing but also to access market intelligence reports to undertake qualitative credit appraisal system to improve robustness. Application of data analysis, lending automation and interpretation of financial statements and relating them to the underlying projects to be funded needs a deeper analytical competence.

02/

Preventive Vigilance (03-05, Oct'19)

The programme is intended to help devise proper checks and balances at work (i) to detect tendencies of dereliction and suspicious transactions, (ii) to create sensitivity to pick up signs of fraud alerts highlighted by the operating systems, (iii) to understand the modus operandi of recent frauds that can help participants to understand the common lapses from vigilance point of view and how they could have been prevented and (iv) to share experiences of investigating agencies like CBI/RBI/CVC compliances etc.

04/

Customer Service Excellence and RTI Act in Banking (09-11, Oct'19)

The programme is designed to familiarize the participants with latest techniques of identifying and satisfying customer needs resulting in pursuing customer service excellence and also in tackling problem that banks are facing in implementing the provisions of RTI Act/Banking ombudsman and BCSBI standards

06/

Credit Appraisal for Officers/Managers (14-18, Oct'19)

The programme aims to enable the participants to appreciate the emerging lending scenario and imbibe necessary credit appraisal skills in providing customized financing packages to suit various existing and potential borrowers of banks and financial institutions.

07/

Management of MSME Financing (21-25, Oct'19)

The programme is designed to enable participants to appreciate growing market opportunities in financing the MSME sector and equip themselves with the modern tools and techniques for assessing their funding requirements and also for offering tailor-made financing package to them.

09/

Inspection & Audit including IS Audit and Preventive Vigilance (30 Oct - 02 Nov, 2019)

The objective of this programme is to acquaint the participants about the system and procedure of risk based internal inspection and audit so that they can conduct the inspection and audit work efficiently.  They should also to create sensitivity by picking up signs of fraud alerts highlighted by the operating systems and identify the modus operandi of such instances.  They should guide the branch officials to enable them to gear up efforts towards fully compliant branch/bank.  A fully compliant bank/branch can be a sustainable tool for growth.

11/

Leadership, Motivation and Interpersonal Excellence (04 - 08 Nov, 2019)

In the emerging competitive banking environment – the customer expectations are rising with innovations introduced by new set of competitors. It has therefore become a challenge for the banks to align service quality with customer expectations. In order to meet the customer demands, banks need to groom leadership to motivate its employees to respond to these challenges with knowledge and commitment. These qualities and attributes are necessary to groom leaders who can drive the business growth and promote operational efficiency. Leadership in the bank should be able to inspire, empower and motivate their employees’ to achieve organizational goals.

13/

International Trade Finance; NRI Business & Forex facilities for Residents (11 - 15 Nov, 2019)

The programme is being offered with a view to make participants aware of various aspects of international trade transactions like L/C mechanism and implications of various provisions of International Chamber of Commerce (ICC) Brochure No.600, Uniform Rules for Collection (URC) 522, operational aspects of Export Finance consisting of Pre-shipment/Post shipment credit with focus on appraisal and follow-up of Export Finance Accounts. 

15/

Basel Regulations and Capital Optimization (13 - 14 Nov, 2019)

As the current Indian Banking landscape, challenged with pile of huge NPAs, it is necessary to sensitize the management about the gravity of its impact and take steps to resolve NPAs and conserve and optimize capital. The programme attempts to sensitize the bank officers about the implications of Basel accords, changes as proposed by various accords, impact on bank capital/ profitability as also various instruments through which banks can raise capital and remove hurdles the banks are facing/likely to in capital management.

17/

Analysis of Financial Statements & Assessment for Enabling Effective Credit Decisions (18 - 22 Nov, 2019)

This programme has thus been  specifically designed to impart knowledge, as to how to,  analyse & interpret the financial statements submitted by different type of borrowers to avail various credit facilities, developing skill and confidence of the target group of officers. This programme is intended to provide a broad understanding of balance sheet analysis, assessment of working capital & term loans.

20/

Branch Management for Urban/Metro Branches (25 - 29 Nov, 2019)

Branch Manager has a very important role to play for development of business and taking care of assets of the branch besides ensuring that bank enjoys good reputation in the area. He is the person to whom bank looks for converting the existing and prospective business potential into real business for the bank. To achieve all these things and to come to the expectations of the management, he is supposed to have leadership traits and marketing skill in addition to operational matters.

22/

Conducting Disciplinary Enquiries/Disciplinary Action Proceedings/CVC Guidelines/ Inspection and Audit (including IS Audit) - (02 - 05 Dec, 2019)

The programme is aimed to equip the participants with the process of conducting inspection and audit at the branch level and also handle disciplinary proceedings, defending bank cases during departmental enquiries/proceedings, framing of charge sheets and punishment orders etc.

The programme has been designed to equip the participants with the ways to cope up with stress and keep delivering the results on expected lines.

23/

Asset Liability Management in Banks (09 - 10 Dec, 2019)

The objective of the programme is to equip participants to efficiently work in the areas of treasury and risk management.  It synchronizes with RBI directive on Capacity Building in Banks.  Banks are required to train in certain areas including Treasury operations and in various Risk Management segments who can obtain certification in that particular segment.  They can develop further expertise in the areas.

25/

Credit Appraisal for Officers/Managers (09 - 13 Dec, 2019)

The programme aims to enable the participants to appreciate the emerging lending scenario and imbibe necessary credit appraisal skills in providing customized financing packages to suit various existing and potential borrowers of banks and financial institutions.

27/

Information Technology, Cyber Frauds & Prevention (16 - 18 Dec, 2019)

The programme has been designed to help the participants in understanding the intricacies and extent of risks in operating technology.  The programme shall focus on enhancing knowledge and skills of participants for detection and prevention of IT frauds.  It is also necessary to equip them to identify remedial action, so that the incidence of security breach specific to internal/external IT domain including of service providers can be kept under control.   Effective Management of IT risk in increased digital banking space will also be focused upon.

29/

Branch Management for Rural / Semi -Urban Branches (23 - 27 Dec, 2019)

No Branch Manager howsoever hard working and sincere can achieve the goals of the branch single-handed. He has to invariably mobilize willing support of his staff through enrichment of inter-personal communication, leadership and marketing skills.  The branch has to harness the business potentiality by optimizing the resources available at the branch.  It is an act of balancing various resources that needs effective leadership flair.