NBI is pleased to announce "Credit Risk and Relationship Management". Upon the completion of the course the participants will gain knowledge and skills that are very essential to be efficient in their field of work. The participants will be able to understanding the concepts of credit, structuring of the loans, writing of credit proposal, credit Administration and NPA Management.
In the banking prospective, the signature verification is the major tool for analysis process of authentication of any documents. But short time as well as confused mind makes it so critical as result millions of dollars loosing by banks now a days is a normal phenomenon. Verification of cheque is one of the most risky job although properly handling of document in initial phase and check and balance mechanism are the major tools to affect it directly. This program will highly appreciate the team spirit among CSD, Operation and Cash to minimize fraud as well as Verification of signature.
Risk Based Internal Auditing (RBIA) is a audit methodology that links an organisation's overall risk management framework and allows internal audit function to provide assurance to the board that risk management processes effectively, in line with risk appetite define by the Bank.
The Basel Core Principle for Effective Banking Supervision, and Basel/OECD Corporate Governance Principles of Banks requires the internal audit function to conduct the RBIA.
BASEL - I has been implemented so far at Development Banks and Finance Companies though national level development banks are required to do parallel reporting of BASEL - I and BASEL - III.
BASEL - III is being implemented at commercial banks with effect from Shrawan 1, 2073. Nepal Rastra Bank has already issued circular in this regard and has already instructed the commercial banks for parallel reporting of BASEL - II and BASEL - III starting from the half yearly closing of FY 2072/73.
National Banking Institute Ltd. (NBI) and Merchant Bankers Association of Nepal (MBAN) have signed a Memorandum of Understanding in which MBAN will outsource training & development programs from NBI to enhance the knowledge and skills of employees working in merchant banking. Based on the request/demand from MBAN, NBI is to organize such programs.
This program provides the participant with basic foundation of knowledge and skills that help them to reach sound, reliable judgment of company creditworthiness. It shall focus on practical introduction to financial statement from the perspective of the credit analysts. Discussion on each component of financials statement will help the delegates to assess key qualitative and quantitative factors in determining limit requirement and repayment capacity borrower.
Training Program on Productive Sector Lending shows Banks/FIs how to identify segments within the productive sectors where profitable and safe lending can be undertaken. It involves primarily to know the business, its size, viability and overall risk analysis. It also examines the specific credit, financial analysis, preparations, issues, regulatory requirements, policies and procedures that are needed to ensure that BFIs make sound credit decisions.
Due to the globalization of the economy, commercial banks are expanding their nationwide presence. The retail business is another important source of banking revenue, offering high margin transactions, a low non-performing loan ratio, risk diversification, and a low risk of default. Although self-service banking (automated teller machines) and internet banking offer customers convenient real-time access, branch banks provide more convenient and people-friendly service.