Training on Bank Policy Assessment:
Gap Analysis vis-à-vis BSP Regulations
Date: May 06 -07, 2015 (Wed-Thu)
Venue: Gov. Licaros Hall, RBAP Bldg, Intramuros, Manila
Time: 8:30am to 5:00pm
Resource Persons:
Mr. Remigio Tito C. Tirones – Bank Sr. Officer in Product Dev,
Marketing, Remedial Mgmnt & SME Consultant/Trainer
Mr. Fernando N. Delos Santos – Bank Sr. Officer in Credit Policy, Administration and Operations & SME Consultant/Trainer
Seminar Fee:
1. Early bird – P4,500 (on or before Apr 17, 2015)
2. Regular Rate – P4,800 (After Apr 17, 2015)
3. Non-Member/Delinquent – P5,760
Mode of Payment
•P2,400.00 – Non-Refundable commitment fee per participant.
•Bank Account LBP – Intramuros Branch
*Savings Account No.0012-1046-26).
•Proof of payment fax to (02) 527-2980.
•Check payments, should be payable to (RBRDFI).
Training Policies:
Reserve first with RBAP-RBRDFI your training slot, and wait for
RBAP-RBRDFI confirmation of your reservation. Thereafter, you may deposit the Registration Fees, book ticket (airline) and secure accommodations.
Deadline for submission of registration is not later that April 30, 2015.
1.Reservation via telephone conversation is accepted. However,
Registration Form and fee must be settled 10 days prior the seminar date or April 24, 2015. Otherwise, reservation is considered cancelled.
Seminar Methodologies
A combination of lecture on the relevant circulars highlighting what is commonly in place among majority of rural banks and more in-depth discussion on new methods and processes being introduced to rural banks, and their impact to the operation
Perform general assessment of the current operations vis a vis BSP’s proposed methods and systems under relevant circulars which will be part of their gap analysis.
Expected Participants
Compliance Officer, Internal Auditor, Loan Officer, Credit Risk Officer, Risk Management Committee –Director, President, Branch Managers
I. Objectives
A. To discuss recent BSP Circulars (Cir. 827,837,840,854 and 855) and their implications to the rural banks current practice. To show the specific processes/systems within the rural banks which may be affected with the aforementioned circulars
B. To provide step by step guidelines on how to perform gap analysis on specific parameters with a sample template for practical use as final output in compliance to BSP requirements
C. To recommend appropriate measures and systems to be implemented once specific gaps have been established or determined based on the exercise to form as basis for the action plans required from rural banks
Course Outline
➢ Discussion of recent BSP Circulars
1. Salient features of a sound Credit Risk Management System
(Cir 855)
2. Discussion of the amendments to the Risk Based Capital Adequacy Framework (Cir 827)
3. Discussion of the amendments to policies on salary (Cir 837)
4. Minimum capitalization of Banks (Cir 854)
5. Discussion on the amendments on the qualifications of a Director (Cir 840)
➢ B. Workshop on GAP ANALYSIS and ACTION PLAN Preparation Participants to assess their individual banks based on template to be provided.
➢ C. Enumerate Board Responsibility in promoting a sound credit risk environment
1. Importance of having a credit risk strategy which covers profit and portfolio targets, target market and loan and deposit products
2.Importance of having the following readily available reports:
Portfolio mix in terms of security, industry, limits or ceilings set by management Stress Testing Impairment-individual and collective Loan loss provision
➢ D. Sanctions/penalties for non compliance Monetary sanctions Equity Infusion PCA Cease and desist order (CDO)
(Definition, Code of Ethics, Intl. Standard Professional Practice on Internal Auditing)
➢E. Summarize reports on Gap Analysis and assist in the development of ACTION PLAN which may include TRAINING NEEDS, REORGANIZATION OR INTERNAL POLICY
Download the Confirmation Sheet in PDF