Risk Management Concepts and Applications

Date: June 20-21, 2013 (Thursday & Friday)
Venue: Gov. Licaros Hall, RBAP, Intramuros, Manila
Time: 8:30am to 5:30pm
Resource Person: Ms. Teresita E. Cheng
First Vice President
Land Bank of the Philippines



Seminar Fee:

1. Early bird – P4,200 (on or before June 14, 2013)
2. Regular Rate – P4,600 (After June 14, 2013)
3. Non-Member/Delinquent – P5,520

Mode of Payment

•	A Non-Refundable commitment fee of P2,300.00 per participant.
•	Bank account (LBP – Intramuros Branch Savings Account Number 0012-1046-26).
•	Proof of payment fax to (02) 527-2980.
•	Check payments, should be payable to (RBRDFI).

Training Policies:

1.	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.

RBAP-RBRDFI will not be responsible for any damage caused by unconfirmed
reservation (s).

Likewise, once training is FULL, RBAP-RBRDFI has the right to refuse
participation or reimbursement on any damage brought by unconfirmed
reservations.

Deadline for submission of registration is not later that June 19, 2013.

2.	Reservation via telephone conversation is accepted. However,
Registration Form and fee must be settled 10 days prior the seminar date
or June 13, 2013. Otherwise, reservation is considered cancelled.

3.	Cancellation Policy: - This will apply to non-subsidized training fee.
a)	10 days prior the seminar date is entitled for a full refund. *Regular
Rate only

b)	3 days prior to the seminar date is entitled for a half refund *
Regular Rate only

c)	Participants who have paid but failed to show up for the seminar will
only be entitled to a rebate of 50% of the total registration fee.
(Regular Rate only)

d)	For special cases (health, accident etc.), kindly coordinate with
RBRDFI staff for refund procedures and requirements.

Seminar Methodologies

Lecture, Discussions and Case Studies/ Simulations

Expected Participants

Compliance Officer, Internal Auditor,
Risk Management Committee –Director, President, Branch Managers
Compliance Officer, Internal Auditor, Risk Management Manager, Credit Risk
Officer,
Risk Management Committee –Director, President, Branch Managers

Course Outline

A.	Risk and Risk Management
a.	Risk Defined
b.	Risk Characteristics
c.	Risk Management Defined
d.	Risk and Capital
e.	Risk Reward – Risk Return Concept
f.	Units Involved in RM
g.	Levels of RM
h.	RM Framework and Approaches
B.	Contextualizing Risk Management
a.	Nature of Rural Bank’s Operations
b.	Regulatory Framework
c.	Sources of Funds
d.	Scale of Operations
e.	Clients/borrowers & projects
f.	Types of clients structure
C.	Risk Management Process and Application
D.	Workshop/Case Study – Stress Testing Scenario Analysis
                  Synthesis

Download the Confirmation Sheet in PDF

In today’s fast-paced world where the frequently asked question “what have you done for me lately?” has to be answered to remain relevant, the elections’ aftermath commonly asked question is “what will you do for me?” For business enterprises like rural banks, answering this question is paramount.

The rural banking industry has a duty to serve this market in accordance with its mandate, but lawmakers must lay down the enabling environment for rural communities to thrive.

To be fair, Congress—during the last few months prior to the elections—took the rural banking industry a step further by passing a measure amending the Rural Bank Act of 1992, which will allow foreign ownership of rural banks from a minimum of 40 percent to a maximum of 60 percent.

The measure seeks to stimulate more activity among rural banks by creating an environment that is beneficial to foreign investors, local banking patrons, and the national economy. This is expected to level the playing field with thrift and commercial banks, which are currently allowed to take foreign partnerships.

In addition, the hope is that legislators will look favorably to the proposed amendment to Republic Act 7653, or the New Central Bank Act, when Congress reconvenes for its 16th session.

Amendment to the Bangko Sentral ng Pilipinas (BSP) charter did not gain much ground during the last Congress. House Bill 6205 was approved by the Banks and Financial Intermediaries Committee, but was never elevated to the plenary level for debates. On the other hand, in the same counterpart committee, Senate Bill 2742 has been gathering dust and barely completed one hearing.

The BSP has been pushing for this amendment so it can prompt the national government to automatically recapitalize every time its capital reaches dangerously low levels. The BSP’s losses have been mounting because of extensive open market operations to prevent the peso from appreciating further.

Apart from improving the country’s banking sector, the rural banking industry is hoping that lawmakers will also prioritize and faithfully devote their time, effort and energy to the development of rural areas.

As often mentioned in this space, an economically empowered rural community is a key ingredient in improving the overall economic growth of the country. When the poorest of the poor becomes self-reliant and an important contributor to the economy, it is a much more significant and truer sign of economic growth than whatever gain the bourse will have—even if the latter is in record-highs.

In turn, an economically active rural community will likewise elevate the rural banks that serve them in terms of increased deposits, loans and availment of other products.

Published in The Manila Times, 16 May 2013

To All RBAP Members:

Please be reminded that the deadline for filing of CERTIFICATE OF CANDIDACY (COC) for the 2013 RBAP Elections is until 5 o’clock in the afternoon of MAY 26, 2013 (Sunday).

For your guidance, attached is the Notice for the 2013 Elections and the required forms for candidacy. Kindly send your certificate of candidacy to the Secretary of the Electoral Board through email at info@rbap.org or at yvette_rbap@yahoo.com. You may also send it through fax at (02) 527-2980 and (02) 527- 2969.

Thank you very much.

Download Notice of  2013 RBAP Elections

The memorandum is also posted in the BSP website.

View BSP Memorandum M-2013-019

Circular No. 796 is posted in the BSP website.

View BSP Circular No. 796.

The memorandum is also posted in the BSP website.

View BSP Memorandum No. M-2013-017

Thus it is viewed that a rural bank-OFW partnership towards delivering microfinance funding will not only provide rural communities with a safer and more viable funding option but also boost economic growth in the countryside.

Based on the Central Visayas Regional Development Plan for 2011 to 2016 of the National Economic and Development Authority (NEDA), rural banks can partner with OFW communities to promote microfinance as an area for savings and investments. A ready and sustainable market awaits for these investments, as the NEDA cited the lack of access to microfinance credit and utilization for farmers, fisher folk and small-medium enterprise in the region.

Part of the initiatives to improve utilization of credit facilities by farmers, fisher folks and SMEs shall be the conduct of extensive information campaigns on credit and financing programs being implemented by the government and private financing institutions.

To improve their creditworthiness, NEDA said the government should also provide financing institutions with marketing assistance so they will have a better capacity to repay their loans.

Other local projects designed to develop the countryside include the “Bayaning Bayanihan”—a partnership between rural banks and the Economic Resource Center for Overseas Filipinos or Ercof. The program creates special bank products like savings, investments and loans to farmers and fisher folks and micro-entrepreneurs.

Another undertaking between the rural banking industry and Ercof is the “Balik-Barrio Bayani Project,” which is conducted in partnership with Smart Telecommunications Inc. and SEEDFinance Corp. Under this project, MFIs like rural banks shall design deposit, capital build-up and loan products for OFWs and their families that will include the provision of business development services for OFW-owned businesses.

Meanwhile, multilateral funding institutions have also joined the fray in helping improve access to financial services in the Philippines and the rest of Asia. Manila-based Asian Development Bank, for one, in partnership with a multinational bank, will come up with a program than involves lending $150 million through MFIs in the Asian region from 2013 to 2018.

Through these partnerships, rural banks and OFW communities will provide a constant source of financing urgently needed to bankroll development in rural areas, an undertaking that would make economic growth in the countryside inevitable.

Published in The Manila Times, 09 May 2013

To avail the discounted rate, kindly register on or before the said deadline.

For your convenience, you may directly download the convention and election circular
located at the AD box of our website.

Should you have any concern, please contact RBAP Secretariat at (02) 527-2968 ; (02) 527-2972.

Thank you!