Bank and Financial Institutions have been giving extra focus in growing Retail/ Consumer Lending in the recent days as it contributes in diversifying the risks and enhancing the customer base. Due to comparatively low risk weight age on retail loans, exception a few products; retail loans have been enabling the BFIs to enhance more loans with the limited available capital, which has been further helping them to maximize profitability.
Completed Programmes
The Banking and Financial Institutions of Nepal have become a major sector influenced by increasing digitization and digital technologies. This has also been reflected by the Payment Systems Oversight Report of Nepal Rastra Bank, according to which, an average of over 3 million transactions are being carried out through Connect IPS each month. Similarly, 13.5 million mobile banking transactions, 13.3 million mobile wallet transactions, and 1.7 million QR-based payments are carried out on an average each month.
Present is the digital age. Doing digital is the talk of the town. Banks, Financial Institutions, Corporates and whole eco-system is inching towards digital landscape day-by-day. Nepal Rastra Bank has issued license as Payment System Operator and Payment Service Provider for the cause. The human resources involved in those institutions need to be continually refreshed with latest updates over the related issues.
The frequent appearance of financial scandals in the Banking and financial service industry has intensified attention on operational risk. Although the risk of fraud and external events has been in existence since the beginning of banking, the possibility that operational risk might arise has increased due to recent technological advances.
Forgery in documents which are used for any banking transactions may lead to greater economic loss. Hence personnel involved in such activities need to know the ways of forgery in documents like check, ID and different aspects of signature, fingerprint etc. Recent events show the vulnerabilities of bank employee in detecting such forgeries, especially detecting forged signature, ID and checks. Hence getting such knowledge regarding such aspects makes banking employee and bank more secure.
For financial institutions, better handling of different types of documents is essential. Technique to communicate with customer legally with good faith is always required in any institutions. Likewise signature verification is basic need for bankers whereas losses due to forged signature are in increasing order. Similarly, trade of counterfeit currency is big threat for our economy. Forensic laboratory is continually receiving such forged documents, cheques as well as currencies. The awareness towards it is essential for bankers.
Market risk management is becoming complex discipline over the years, with increased focus on internal risk standards, evolving market conditions and significantly increased regulatory requirements. Volatility of instruments traded in market as well as market interest rates may result in multiple risks to banks and financial institutions as market participants. This increases the importance of effective management of market and interest rate risk.
Loan is an asset to any financial institution. A bank normally maintains more than 60% of its loan portfolio under working capital. That is why it is very much necessary to ensure that a working capital loan does not become bad as it is normally not secured by other collateral security. These types of loans are secured by current assets and that are in the possession of the borrower themselves.
It is imperative for the banks to have a robust risk framework to manage all the risk associated with it and the management of credit risk begins at the origination itself. Managing the credit risk exposure within the framework of risk management (identification, measurement, monitoring and control) is of utmost importance for minimizing the losses arising out of the risks associated with credit.
Considering this, the course has been designed to provide the participants an understanding of Credit Risk Management at the Branch level.
BIS issued “Basel III: A Global Regulatory Framework for more Resilient Banks and Banking System” in 2010, in order to strengthen global capital and liquidity rules with the goal of promoting more resilient banks. The reform was a response to financial crisis 2008 and to improve the banking sectors ability to absorb the loss on a going concern basis.
Accordingly, NRB issued directives to Commercial Banks to maintain their capital adequacy ratio as per New Capital Adequacy Framework designed based on Basel III requirement.
The program will help in understanding:
- How a BFI can take business and AML/CFT together
- How a BFI can best expand business together with AML/CFT compliance
- How AML/CFT help expanding business
- How minimum resources and staffs can work on AML/CFT
- How a BFI can best implement newly amended but rigorous laws with limited resources
- Linkage between Banking and AML/CFT measures and their inseparability
- Instruments that help assessing risk and focusing only on the high risk areas
Lending or advancing credit facilities is one of the core functions of banks and financial institutions. All employees engaged in credit related jobs should possess basic knowledge about the function before or at the time of assuming such role.
The workshop has been designed around the concept of individual branding, so that the participants can develop a unique identity, helping them stand out in personal, professional as well as social front.
Further, the program will dive deep into impactful communication, including, but not limited to, critical factors of communication and key tips that will guide the participants in developing effective communication strategy.
With the changing perspective in the banking scenario, it is essential to step out of its collective comfort zone, digitalization and diversification in response to the changing consumer demands. The future of bank is projected to be more customer-centric as opposed to being driven by product and services.
This Advanced Excel session is designed for bank professionals who rely on Excel Program for their daily tasks. In this action-packed Excel session, participants will learn the must have Excel skills that would eventually make it easier to gather, enter, organize, analyze and report data. Participants will learn the different Excel features (including the new commands and functions in Excel 365) in a short time span and be confident to apply them at their work. The sessions are conducted with lectures and hands-on practical examples faced at the real workplace.
For financial institutions, better handling of different types of documents is essential. Technique to communicate with customer legally with good faith is always required in any institutions. Likewise signature verification is basic need for bankers whereas losses due to forged signature are in increasing order. Similarly, trade of counterfeit currency is big threat for our economy. Forensic laboratory is continually receiving such forged documents, cheques as well as currencies. The awareness towards it is essential for bankers.
This program has been designed to provide an extensive insight into the various components of Credit Appraisal and will be delivered in such a way that the participants can immediately bring the knowledge and skills into practice. The program will help in creating a solid base for a better future in Credit Department.
TnA (Training needs Analysis/Assessment) needs to be a dynamic process, calibrated on a regular basis, and aligned with organizational strategic objectives. As Training has been a regular activity, leaders should understand and try to achieve the key objectives and the ROI, rather than just enhancing the knowledge and skills of employees.
Benchmarking the competencies and aligning them with organizational strategic objectives; every training program will be turned into performance-driven, result-driven and culture-oriented.
Loan is an asset to any financial institution. A bank normally maintains more than 60% of its loan portfolio under working capital. That is why it is very much necessary to ensure that a working capital loan does not become bad as it is normally not secured by other collateral security. These types of loans are secured by current assets and that are in the possession of the borrower themselves.
For financial institutions, better handling of different types of documents is essential. Technique to communicate with customer legally with good faith is always required in any institutions. Likewise signature verification is basic need for bankers whereas losses due to forged signature are in increasing order. Similarly, trade of counterfeit currency is big threat for our economy. Forensic laboratory is continually receiving such forged documents, cheques as well as currencies. The awareness towards it is essential for bankers.