PROGRAM CONTENTS


Southern India Banks’ Staff Training College

Shankarapuram, Bangalore

Programmes


FACULTY SKILL DEVELOPMENT PROGRAM:-

Contents:-

  • Economy and Banking- Way Forward for Indian Banking
  • Capacity Building in banks - Imperatives of Training & Development
  • Fundamentals of Designing a Training Program
  • Entry level Presentation by Participants
  • Requirements of an effective Trainer
  • Training Need Analysis
  • Principles of Adult Learning
  • Communication and Presentation skills for an effective Trainer
  • Class Room Management- Skills & Techniques
  • Developing Training Materials / Lessons & Session planning
  • Understanding Training Evaluation with focus on Kirkpatrick’s model
  • Exit level Presentations by the participants

Target Group:-

Existing Faculty Members and those who are identified to be Faculties


PROGRAM ON CREDIT MANAGEMENT :-

Contents:-

  • Emerging trends in Credit Management
  • Principles of lending and Basic Accounting Concepts
  • Financial statement analysis
  • Analysis of cash flow and funds flow statements
  • Assessment of working capital finance
  • Assessment of term loans.
  • Assessment of non-funded credit facilities
  • Discussion on retail lending mechanisms.
  • Financing of exports and imports
  • Credit monitoring.
  • IRAC norms
  • Recovery measures 91-92

Target Group:-

Officers and Branch Heads in scale I and II handling credit proposals and those officers identified for posting to Credit Desks at Branches / Administrative offices


ORIENTATION PROGRAM FOR NEWLY PROMOTED OFFICERS :-

Contents:-

  • Transformation Management- Role Change and Clarity
  • Functions of Officers and their Roles and Responsibilities
  • Effective Communication Skills
  • Inter - Personal Relationships
  • Group Dynamics & Team Building
  • Leadership Development
  • Motivation for Excellence
  • Time Management
  • Traits for Successful Officers
  • Marketing Strategies for Business Development
  • Customer Relationship Management
  • KYC, AML, CFT, FATCA
  • Planning for better Profitability in branches towards improvement in NIM: CASA & Fee Based income
  • Technology Products of the Bank – Alternative Delivery Channels – e –banking, Internet / Mobile / SMS Banking
  • Advances – Effective Credit Appraisal
  • Financial Statement & Ratio Analysis
  • Documentation
  • Loan Review Mechanism for sustenance of qualitative Credit Portfolio
  • Internal Control – House Keeping and Inspection

Target Group:-

Newly Promoted Officers


PROGRAM ON LEADERSHIP & PERSONALITY DEVELOPMENT :-

Contents:-

  • Transformational Management from being a follower to a leader – Change Management
  • Leadership excellence skills
  • Decision Making & Problem-Solving Skills
  • Form to Perform – Dynamics of leading performance teams
  • Essential Leadership Qualities for Business Development
  • Motivating staff for excellence
  • Negotiation Skills and Conflict Management
  • Time Management
  • Customer Relationship Management
  • Stress Management & Work Life Balance
  • Successful Marketing techniques for being a Best Manager
  • Inter-personal relations and Public Relations
  • Communication and Presentation skills
  • Emotional Intelligence & Lateral Thinking
  • Etiquettes (Telephone, Meeting and Greeting) and Values
  • Creating Competitive Service Advantage

Target Group:-

Officers, Managers, Sr Managers in Branches & Administrative units and Executives in Scale IV & V


PROGRAMME ON FINANCING MICRO, SMALL AND MEDIUM ENTERPRISES (MSME FINANCING) :-

Contents:-

  • MSME-Role played in the Economic Development of the nation
  • MSMED Act 2006, RBI and other Regulatory Guidelines on MSME Lending
  • Various Agencies and the Institutions supporting the development of MSME
  • Credit Risk Rating / SMERA Rating for MSME and its supportive role in qualitative financing
  • Identification and Effective Marketing of MSME loans
  • Financial statement analysis and interpretation of MSM Enterprises
  • Assessment of working capital finance using different methods including post sales financing
  • Assessment of term loans
  • Assessment of NFB Facilities
  • Credit Monitoring
  • Restructuring and Rehabilitation and of SME Loans- RBI Guidelines
  • Recovery Measures-Legal and Non-Legal
  • CGTMSE Scheme highlights
  • Practical Interaction with Industry body

Target Group:-

Officers and Branch Heads in scale I, II & III and Executives handling MSME proposals at branches / administrative offices


SPECIAL FEDAI WORKSHOP ON UCP 600 :-

Objective of the Workshop:-

  • Four methods of International Trade Settlements namely Advance Payments, Collection Bills, Open A/C system and Letter of Credit with relevant FEMA 1999 provisions.
  • Respective governing publication prescribed by ICC Paris.
  • Various Trade Terms prescribed in Incoterms 2010
  • ICC Banking Commission opinions on various issues connected to LC business, Collection Bills and Incoterms 2010.
  • For developing operational skills in participants with the help of case lets.
  • Providing guidance on drafting of LCs, amendments and transmission through SWIFT / SFMS by using appropriate MT formats
  • The ICC has also provided dispute resolution mechanism in respect of trade disputes between exporter and importer and the workshop aims at making participant aware of dispute resolution process
  • Contents:-

  • Introduction to Methods of International Trade Payments
  • Discussions on Incoterms 2010
  • Application of FEMA, 1999 on the above methods
  • Mechanism, types and parties to Documentary Credits, Standby LCs and Collection Bills
  • Discussions on various articles of UCP 600, ISBP 745, ISP 1998 and URC 522 with the help of case lets
  • Preventive tips for operating under FEMA 1999 in general and using various methods of International Trade Payments in particular
  • Detailed discussions on Dispute Resolution process with reference to Arbitration and Conciliation and DOCDEX 872
  • Do’s and Don’ts of handling Inward Letter of Credit Business
  • Drafting and Transmission of above instruments through SWIFT / SFMS

Target Group:-

Officers / Managers working at various B as well a C Category branches of AD I Banks and those in Compliance / Audit / Inspection Departments handling Foreign Trade/ Exchange Transactions in general and the transactions related to Imports / Exports in particular by using methods of International Trade Payments.


PROGRAM FOR THE 1ST TIME BRANCH HEADS :-

Contents:-

  • Emerging Trends in Banking
  • Transformation Management- from being a follower to a Leader
  • Guidelines & Precautions for taking Charge of the Branch
  • Decision Making & Problem-Solving Skills
  • Form to Perform – Dynamics of leading performance teams
  • Motivation for excellence
  • Stress Management & Work Life Balance
  • Talent Management
  • Marketing Strategies for Business Development
  • Inter-personal relations and Public Relations
  • Personality Development
  • Communication and Presentation skills
  • Etiquettes (Telephone, Meeting and Greeting) and Values
  • Time Management
  • Customer Relationship Management
  • KYC/AML guidelines
  • CASA – Planning for better Profitability in Branches
  • Technology Products of the Bank – Alternative Delivery Channels – e –banking, Internet / mobile / SMS Banking
  • Advances – Effective Credit Appraisal
  • Financial Statement & Ratio Analysis
  • Internal Control – House Keeping and Inspection
  • Retail Banking – Fee Based Income including Bancassurance – Strategies for increasing the Fee Based Income
  • NPA Management and Recovery Measures including credit monitoring
  • Target Group:-

    Managers & Senior Managers posted to Head the Branches for the first time.


    PROGRAM ON RETAIL BANKING PRODUCTS & SERVICES :-

    Contents:-

    • Domestic Retail Banking Scenario – Economic prospects for Retailing in India
    • Retail Banking Liability products
    • CASA – Effective strategies for enhancing composition of CASA
    • Retail Loans- Asset Products
    • Role of Technology in Retail Banking
    • Marketing Strategies for Retail Banking products & Services
    • SWOT Analysis on Retail Business
    • Marketing of para banking products such as Insurance products, Mutual fund units, Credit cards, etc.
    • Strategies for enhancing the Fee based income of the bank
    • Technology Products of the Bank – Alternative Delivery Channels – e –banking, Internet / mobile / SMS Banking
    • Adherence to KYC / AML guidelines in pursuit of business growth
    • Customer Relationship Management
    • Retail Loans – Valuation of properties
    • Conducting due diligence about the Property documents to prevent frauds
    • Retail Payments – products & Services
    • Retail Loans- Credit Monitoring and Recovery

    Target Group:-

    Officers, Managers, Sr Managers working in branches /handling Advances in Branches & Administrative units and Executives in Scale IV & V


    BRANCH BUSINESS PERFORMANCE EXCELLENCE :-

    Contents:-

    • Economy and Banking- Challenges and Way Forward for Indian Banking
    • Transformation Management- Being a follower to a Leader
    • Talent Management
    • Motivation for Excellence
    • Marketing Strategies for Business Development in Branches
    • Customer Relationship Management
    • Effective Communication Skills
    • Interpersonal Relationships.
    • Negotiation Skills
    • Time Management
    • Work Life Balance & Stress Management
    • KYC/AML guidelines
    • CASA – Fee Based Income - Planning for better Profitability –
    • Advances – Effective Credit Appraisal
    • Financial Statement & Ratio Analysis
    • Credit Management in Branches
    • Technology Products of the Bank – Alternative Delivery Channels – e –banking, Internet / mobile / SMS Banking
    • Internal Control – House Keeping and Inspection
    • Loan Review Mechanism including DRT/ART/OTS/SARFAESI
    • MSME/CGTMSE

    Target Group:-

    Branch Managers & Officers identified to be posted as Branch Managers.


    PROGRAM ON NPA MANAGEMENT- STRATEGIES FOR PREVENTION & RECOVERY :-

    Contents:-

    • NPA scenario in banking industry and Reasons thereof
    • IRAC Guidelines, including those for Projects under implementation and Provision Coverage Ratio(PCR)
    • Impact of NPA on NIM and Capital Adequacy Ratio of Bank
    • Building Quality Credit through Effective Credit Appraisal- CIBIL, CERSAI, etc
    • Loan Review Mechanism - Strategies for prevention with emphasis on effective Credit Monitoring, Analysis of Financial & Non-Financial Triggers
    • Monitoring & Follow up of SMA 0, SMA 1 & SMA 2 Accounts
    • Recent Guidelines on Debt Restructuring
    • Valuation of Fixed Assets – From Recovery perspective
    • Recovery through Compromise, OTS, Lok Adalats
    • Recovery through Legal Measures- DRT, Civil Suits etc.
    • Recovery through enforcement of SARFAESI Act- Procedural guidelines and practical issues in implementation
    • IBC 2016
    • Interaction with Recovery Agencies

    Target Group:-

    Officers, Managers, Sr Managers handling High Value Advances in Branches & Administrative units and Executives in Scale IV & V or those Officials involved in recovery of Toxic Assets.


    PROGRAMME ON FINANCING MICRO, SMALL AND MEDIUM ENTERPRISES (MSME FINANCING) :-

    Contents:-

    • MSME – Role played in the Economic Development of the nation
    • MSMED Act 2006, RBI and other Regulatory Guidelines on MSME Lending
    • Various Agencies and the Institutions supporting the development of MSME
    • Credit Appraisal – Basic concepts, CIBIL, CERSAI, Central Registry, etc
    • Credit Risk Rating / SMERA Rating for MSME and its supportive role in qualitative financing
    • Marketing Strategies for MSME loans
    • Accounting Concepts & Financial statement analysis, including Ratio Analysis
    • Analysis of cash flow and funds flow statements
    • Techniques for Appraisal & Assessment of Working Capital Finance – Both Fund Based & Non-Fund Based, including Contractors, Small Business, etc.
    • Techniques for Appraisal & Assessment of Term Loans
    • Financial Benchmarks – DER, DSCR, NPV, Discounted PAYBACK, IRR, Profitability Index, Breakeven, etc.
    • Financing of Exports and Imports
    • TReDs and its functioning. Role of banks & benefits to MSMEs
    • Credit Monitoring, including Unit’s Inspection & Books verification
    • Recovery Measures – Legal and Non – Legal
    • CGTMSE / CGFMU Scheme highlights & guidelines
    • Practical Interaction with Industry body

    Target Group:-

    Officers and Branch Heads in scale I, II & III and Executives handling MSME proposals at branches / administrative offices


    PROGRAM ON ADVANCED CREDIT MANAGEMENT (ACMP) :-

    Contents:-

    • Analysis of Macro Economic Environment & Emerging trends in Banking
    • Industry and Business Analysis
    • General guidelines on Credit Appraisal- CIBIL, CERSAI, etc
    • Analysis of Corporate Financial Statements- ABS/ Funds Flow & Cash Flow
    • Study and interpretation of Projected financial statements
    • Introduction to Ind AS – Understanding Ind AS compliant to Schedule III to Companies Act 2013.
    • Techniques for Appraisal & Assessment of Working Capital - Fund based & Non Fund Based
    • Techniques for Appraisal & Assessment of Term Loans
    • Financial Benchmarks – DER, DSCR, NPV, Discounted PAYBACK, IRR, Profitability Index, Breakeven, etc.
    • Techniques for Project & Infrastructure Financing
    • Consortium, MBA, Loan Syndication & Joint Lending Arrangement
    • Import and Export Credit- Trade Credit & ECBs,
    • Marketing Strategies for Qualitative Credit Growth
    • Credit Risk Management
    • Debt Restructuring, Recent guidelines
    • Credit Monitoring with special emphasis on SMA 0, SMA 1 & SMA 2
    • NPA Management & Recovery

    Target Group:-

    Officers, Managers, Sr Managers handling Advances in Branches & Administrative units and Executives in Scale IV & V


    ENHANCING PRODUCTIVITY & PROFITABILITY OF BRANCHES :-newblink

    Contents:-

    • Analysis of Macro Economic Environment & Emerging trends in Banking
    • RBI Guidelines on Prompt Corrective Action(PCA)
    • In-depth Study and SWOT Analysis of the Branch
    • Time Bound Turn around Strategies to address weaknesses and threats
    • Leadership Excellence skills to manage adverse situations
    • Motivation for Excellence
    • Marketing Strategies for Improving the Business
    • Form to Perform – Dynamics of leading teams
    • Branch Balance Sheet Management
    • Conflict Management & Inter-Personal Skills
    • Effective Communication & Negotiation Skills
    • Strategies and Measures for Qualitative Credit Growth
    • NPA Management & Recovery
    • Strategies for converting each Branch as a Profit Centre( before & after TPM)

    Target Group:-

    Managers, Senior Managers and Executives heading Loss Making Branches (before & after TPM)


    MANAGERIAL EXCELLENCE IN RURAL & SEMI URBAN BRANCHES :-newblink

    Contents:-

    • Overview of Emerging opportunities and challenges for branches in Rural & Semi Urban centers.
    • Agriculture & Priority Sector Lending as Economic Drivers
    • Priority Sector Lending – Regulatory guidelines on Targets
    • PMJDY, and other Government schemes
    • Business Targets - Strategies for Achievement
    • Marketing Strategies for Business growth in Rural & Semi urban centers.
    • Leadership excellence skills
    • Employee engagement- Working in Teams
    • Communication and Presentation Skills
    • Financial Inclusion Practices & Self Help Groups
    • Technology Products of the Bank – Alternative Delivery Channels – e –banking, Internet / mobile / SMS Banking
    • Balance sheet & Ratio Analysis for Small Value Balance sheets
    • MSME Financing - Assessment & Appraisal of Credit proposals, TLs & WC
    • Appraisal of Retail Loans
    • Marketing of para banking products such as Insurance products, Mutual fund units, Credit cards, etc in Rural & Semi urban centers.
    • NPA Management & Recovery

    Target Group:-

    Branch Managers / Sr Managers of Rural & Semi Urban branches and those Officials identified for such postings in the near future.


    FOREIGN EXCHANGE BUSINESS :-

    Contents:-

    • Overview of Forex Business & International Banking in India
    • Relevance and importance of Forex Business for growth in the economy
    • Forex Markets & Exchange Rate Mechanism
    • Foreign Trade policy & FEMA Guidelines
    • Non-Resident Deposits including Loans against NR Deposits
    • Export & Import Finance
    • Trade Credits – ECB, FCCB, FDI Guidelines
    • Derivatives in Forex Business
    • LC Operations, SWIFT, UCPDC, URC & INCOTERMS/ Documents used in Foreign Trade
    • Forex Remittances facilities – Inward & Outward Remittances
    • ECGC Guarantees & Policies
    • Forex Risk Management

    Target Group:-

    Officers and Managers in scale I, II & III and Executives handling Forex Business or Officials identified for posting to Forex Business branches/ Offices.


    ACHIEVING BUSINESS EXCELLENCE FOR WOMEN MANAGERS & SENIOR MANAGERS :-newblink

    Contents:-

    • Emerging trends in banking
    • Transformation Management
    • Work –Life Balance
    • Health Management – Health & Hygiene
    • Motivation for Excellence
    • Career Risks & Rewards
    • Competencies for Achieving Excellence
    • Leadership excellence skills
    • Performing in a Team
    • Emotional Intelligence & Lateral Thinking
    • Stress Management & Work Life Balance
    • Inter-personal relations and Public Relations
    • Communication and Presentation skills
    • Customer Relationship Management
    • Marketing Strategies for Business Development
    • Technology Products of the Bank – Alternative Delivery Channels – e –banking, Internet / mobile / SMS Banking
    • Advances – Effective Credit Appraisal
    • Financial Statement & Ratio Analysis
    • Credit Monitoring, NPA Management & Recovery

    Target Group:-

    Women Branch Managers & Senior Mangers including Women Executives in Scale IV & V. Also, those Women Officers identified to Head the branches.


    FINANCING PRIORITY SECTOR ADVANCES ( OTHER THAN AGRICULTURE ADVANCES) :-newblink

    Contents:-

    • Priority Sector lending – Regulatory Guidelines
    • Priority Sector Targets- Across Sectors
    • MSME – Role played in the Economic Development of the nation
    • Accounting Concepts & Financial statement analysis, including Ratio Analysis in respect of Proprietary concerns, Partnership firms, Companies, etc.
    • Credit Appraisal – Basic concepts, CIBIL, CERSAI, etc
    • Techniques for Appraisal & Assessment of Working Capital Finance – Both Fund Based & Non-Fund Based, for MSME, Contractors, Small Business, Traders, etc.
    • Techniques for Appraisal & Assessment of Term Loans for MSME,
    • Financing of Exports and Imports
    • Educational Loans & Housing Loans.
    • Marketing Strategies for Qualitative Priority Sector Advances growth
    • Credit Monitoring, including Unit’s Inspection & Books verification
    • Recovery Measures – Legal and Non – Legal
    • CGTMSE / CGFMU Scheme highlights & guidelines
    • Practical Interaction with Industry body

    Target Group:-

    Officers, Managers, Sr Managers handling High Value Advances in Branches & Administrative units and Executives in Scale IV & V


    INTENSIVE CREDIT APPRAISAL PROGRAM :-newblink

    Contents:-

    • Analysis of macro economic environment
    • Industry and Business Analysis
    • Lending strategies for Large and Mid Corporate segment
    • Analysis of Corporate Financial Statements- ABS/ Funds Flow & Cash Flow
    • Study and interpretation of Projected financial statements
    • Techniques for Assessment of Working Capital - Fund based & Non Fund Based
    • MSME Financing
    • Techniques for Project & Infrastructure Financing
    • Consortium, MBA, Loan Syndication & Joint Liability Group
    • Import and Export Credit- Trade Credit & ECBs, FCCB, etc.
    • Credit Risk Management-Implications of Basel Guidelines on Corporate Lending
    • Debt Restructuring, CDR
    • Credit Monitoring & Recovery

    Target Group:-

    Officers, Managers, Sr Managers handling Advances in Branches & Administrative units and Executives in Scale IV & V


    FINANCIAL PLANNING AND WEALTH MANAGEMENT :-newblink

    Contents:-

    • Industry and Business Analysis
    • General guidelines on Credit Appraisals – CIBIL, CERSAI, etc
    • Analysis of Financial Statements- Proprietary concern, Partnership Firm & Companies - ABS/ Funds Flow & Cash Flow
    • Study and interpretation of Projected financial statements
    • Introduction to Ind AS – Understanding Ind AS compliant to Schedule III to Companies Act 2013.
    • Techniques for Appraisal & Assessment of Working Capital - Fund based & Non Fund Based
    • Techniques for Appraisal & Assessment of Term Loan and Project Financing
    • Financial Benchmarks – DER, DSCR, NPV, Discounted PAYBACK, IRR, Profitability Index, Breakeven, etc.
    • Techniques for Appraisal & Assessment of MSME Proposals
    • Techniques for Appraisal & Assessment of Trader’s Financing
    • Techniques for Appraisal & Assessment of Contractor’s Financing
    • Techniques for Appraisal & Assessment of Retail Loans
    • Techniques for Financing Service Oriented Business Units
    • Consortium, MBA, Loan Syndication & Joint Lending Arrangement
    • Import and Export Credit- Trade Credit & ECBs,
    • Marketing Strategies for qualitative Credit Growth
    • Credit Risk Management
    • Credit Monitoring, with special focus on SMA 0, SMA 1 & SMA 2
    • NPA Management & Recovery

    Target Group:-

    Officers, Managers, Sr Managers handling Advances in Branches & Administrative units and Executives in Scale IV & V.


    BRANCH MANAGEMENT & BUSINESS DEVELOPMENT :-newblink

    Contents:-

    • Economy and Banking- Challenges and Way Forward for Indian Banking
    • Transformation Management- Being a follower to a Leader
    • Talent Management
    • Motivation for Excellence
    • Marketing Strategies for Business Development in Branches
    • Customer Relationship Management
    • Effective Communication Skills
    • Interpersonal Relationships.
    • Negotiation Skills
    • Time Management
    • KYC/AML guidelines
    • CASA – Fee Based Income - Planning for better Profitability –
    • Advances – Effective Credit Appraisal
    • Financial Statement & Ratio Analysis
    • Credit Management in Branches
    • Technology Products of the Bank – Alternative Delivery Channels – e –banking, Internet / mobile / SMS Banking
    • Internal Control – House Keeping and Inspection
    • Loan Review Mechanism including DRT/ART/OTS/SARFAESI
    • MSME/CGTMSE

    Target Group:-

    Branch Managers & Officers identified to be posted as Branch Managers.


    PROGRAM ON BANKRUPTCY & INSOLVENCY :-

    Contents:-

    • Part I & III of IBC 2016
    • Part II of IBC 2016
    • Part IV of IBC 2016
    • Schedule 1 to 11 of IBC 2016
    • Cases decided by NCLT etc

    Target Group:-

    The Program will be of immense practical benefit to Officers, Managers, Sr Managers working in branches /handling Advances in Branches & Administrative units and Executives in Scale IV & V


    NRI DEPOSITS & REMITTANCES, FEMA GUIDELINES :-

    Contents:-

    • Understanding Entities involved: Residents / Non Residents/ Persons of Indian Origin / Resident but Not Ordinarily Resident / Foreign Citizens, etc
    • Foreign Contributions Regulatory Act(FCRA) Salient Features
    • Non-Resident Accounts: - Rupee and Foreign Currency and Resident Foreign Currency Accounts- features and operational aspects including Loans/Investment opportunities
    • Outward and Inward remittances with special reference to Liberalised Remittance Scheme (with focus on FEMA)
    • Foreign Direct Investments(FDI) & Overseas Direct Investments(ODI)
    • Customer Due Diligence relating to Forex Transactions – (with focus on KYC/AML/PMLA/FATCA)
    • S W I F T Operations
    • Simulation – On the job training pertaining to Opening of Accounts for Residents and Non- Residents (Based on Case Studies sent earlier - with focus on FEMA/RBI/FEDAI Guidelines)

    Target Group:-

    Officers, Managers, Senior Managers and Executives presently handling these portfolios and also those who are likely to be inducted into the department in the near future.


    SPECIAL PROGRAM FOR LEGAL OFFICERS :-newblink

    Contents:-

    • Disruptive Innovations in Banking – the Emerging Trend and strategies to face it
    • Need for Digital Banking
    • Challenges in Digital Banking the way ahead of future banking
    • Products of Digital Banking
    • Delivery Channel – Channel Proliferation and need for Banks to reposition them
    • Alternate Delivery Channels- Innovative Payment Products - Mobile Banking, Internet Banking, Unified Payment services, QR Code, BHIM, NACH, BBPS, Social Media Banking
    • Card Payment and POS deployment strategies.
    • Big Data Analysis regarding Customer Card usage pattern
    • Leveraging Social Media for popularizing Digital products of the Bank
    • Cyber Security – Guidelines to Cyber Security – Accessibility & Quality.
    • Network and Network Security
    • Security controls and Standards in banking
    • Marketing of Digital Services in banking- Strategies and Best practices
    • Leadership Excellence skills to drive ahead in the fast-forward Digital Banking
    • Creating Competitive Service Advantage
    • Customer Relationship Management in Digital Era
    • Communication & Presentation skills for effective Digital Brand Positioning
    • Public Relations & Building effective team for Product Promotion

    Target Group:-

    Officers, Managers, Senior Managers and Executives in Branches and also Officials in Administrative Offices.


    PROGRAM ON CUSTOMER RELATIONSHIP MANAGEMENT(CRM) FOR BUSINESS EXCELLENCE :-

    Contents:-

    • Economy and Banking- Way Forward for Banking
    • Customer Relationship Management
    • Roles and Responsibilities of Customer Relationship Managers
    • Marketing Challenges in the Changed Retail Banking Scenario
    • Reaping Rewards on relationship
    • Superior Customer Service – getting enriched through effective engagement
    • Interpersonal Relations and Public Relations for better CRM
    • Etiquettes & Values for Customer Relation Managers
    • Forming Teams – Getting best of Customer Relations Managers
    • Communication and Presentation Skills for Customer Relations Managers
    • Selling Services Successfully
    • Promoting Personal and Organisational branding
    • Motivation for Business Excellence

    Target Group:-

    Target group: Branch Managers & Officers identified to be posted as Branch Managers as also Customer Relationship Managers & Marketing Officials.


    PROGRAM ON RISK BASED SUPERVISION AND RISK BASED INTERNAL AUDIT :-newblink

    Contents:-

    • Importance and scope of Internal Audit in Banks
    • RBI Guidelines on RBIA
    • Importance and Scope of Internal Audit in banks
    • Risk based supervision of banks & Linkages with RBIA
    • Various types of risks and moving towards Basel III
    • Risks in banking business
    • Framework of RBIA
    • Branch Audit – Step by Step process
    • Preparation of Audit Plan using Risk Audit Matrix
    • Risk Aspects in Forex Business
    • On –Site Risk Assessment
    • Risk Matrix – Business & Control Risks
    • Reporting of Audit findings and Risk Mitigation
    • IS Audit
    • Preparation of Monitorable Action Plan
    • Closure of Audit reports
    • Risk Based Approach to Audit of Controlling Offices

    Target Group:-

    Officers and Managers in scale I, II & III and Executives handling Forex Business or Officials identified for posting to Forex Business branches/ Offices.


    LEGAL ASPECTS OF BANKING TO GENERAL OFFICERS :-newblink

    Contents:-

    • Legal Aspects of Banking and different types of customers namely, Proprietary concern, Partnership firm, LLP, Trust, HUF, Societies and other special customers and Companies
    • Companies Act 2013 – Changes and modifications
    • General Aspects of documentation and charge creation with ROC
    • General Aspects of Nomination & Death Claims
    • Types of charge and legal aspects of charging securities to the Banks.
    • Stamp Act, Registration Act, Limitation Act and the relevance of these acts in documentation
    • Different types of Mortgages and legal issues
    • Common defects in documentation and ways of overcoming the deficiencies
    • Legal aspects involved in borrowing Foreign Currency loans – Documentation thereof.
    • Documentation for consortium advances
    • Legal issues in LCs, Bank Guarantees and co-acceptances, including Corporate Guarantees and Personal Guarantees
    • Valuation of Assets charged to the Banks
    • Legal Scrutiny Report & its verification thereof
    • Cyber Laws
    • Forensic detection of fake & forged documents
    • Civil Suits and Lok Adalats in recovery
    • DRT and legal issues
    • SARFAESI
    • IBC 2016
    • Legal issues involved in nursing, revivals and rehabilitation packages
    • CDR mechanism and all other legal aspects involved in NPA Management.
    • ARC and the legal issues in managing distressed assets
    • OTS and Compromise Settlements

    Target Group:-

    Officers / Managers / Senior Managers having sufficient exposure to Credit operations and General Banking, working in branches and controlling offices


    PROGRAMME ON DIGITAL BANKING AND CYBER SECURITY :-newblink

    Contents:-

    • Disruptions in Banking – the Emerging Trend
    • Need for Digital Banking
    • Challenges in Digital Banking the way ahead of future banking
    • Products of Digital Banking
    • Delivery Channel – Channel Proliferation and need for Banks to reposition them
    • Alternate Delivery Channels- Innovative Payment Products - Mobile Banking, Internet Banking, Unified Payment services, QR Code, BHIM, NACH, BBPS, Social Media Banking
    • Card Payment and POS deployment strategies.
    • Big Data Analysis regarding Customer Card usage pattern
    • Leveraging Social Media for popularizing Digital products of the Bank
    • Cyber Security – Guidelines to Cyber Security – Accessibility & Quality.
    • Network and Network Security
    • Vulnerability Testing and Two Factor Authentication
    • Security controls and Standards in banking
    • Marketing of Digital Services in banking- Strategies and Best practices

    Target Group:-

    Officers, Managers, Senior Managers and Executives associated with Digital Banking and also Officials in Administrative Offices handling above services.


    SPECIAL PROGRAM FOR WOMEN OFFICIALS :-newblink

    Contents:-

    • Emerging trends in banking
    • Transformation Management
    • Stress Management & Work Life Balance
    • Conflict Management
    • Leadership excellence skills
    • Motivation for Excellence
    • Career Risks & Rewards
    • Emotional Intelligence & Lateral Thinking
    • Competencies for Achieving Excellence
    • Inter-personal relations and Public Relations
    • Interpersonal Relationship.
    • Working in Teams
    • Health and Hygiene
    • Nutrition Management for self and family
    • Time and Stress Management
    • Communication and Presentation skills
    • Marketing Strategies for Business Development

    Target Group:-

    All Women Officers, Managers, Sr Managers and Executives in SC IV & V.


    FINANCING LARGE AND MID CORPORATES :-

    Contents:-

    • Analysis of macro-economic environment and Emerging trends in Banking
    • Industry and Business Analysis
    • Lending strategies for Large and Mid-Corporate segment
    • Analysis of Corporate Financial Statements- ABS/ Funds Flow & Cash Flow
    • Study and interpretation of Projected financial statements
    • Introduction to Ind AS – Understanding Ind AS compliant to Schedule III to Companies Act 2013.
    • Techniques for Assessment of Working Capital - Fund based & Non Fund Based
    • MSME Financing
    • Techniques for Project & Infrastructure Financing
    • Project Benchmarks like DER, DSCR, IRR, NPV, Breakeven, PI, etc
    • Consortium, MBA, Loan Syndication & Joint Lending Arrangement
    • Import and Export Credit- Trade Credit & ECBs, FCCB, etc.
    • Marketing Strategies for Qualitative Credit Growth
    • Credit Risk Management–Implications of Basel Guidelines on Corporate Lending
    • Debt Restructuring, CDR, JLF, SDR
    • Credit Monitoring with special focus on SMA 0, SMA 1, & SMA 2
    • NPA Management & Recovery
    • IBC 2016
    • Basel Guidelines & Risk Management

    Target Group:-

    Officers, Managers, Sr Managers handling Advances in Branches & Administrative units and Executives in Scale IV & V.


    FEDAI WORKSHOP ON FOREIGN EXCHANGE :-

    Contents:-

    • Overview of Foreign Trade and Foreign Exchange Business
    • Transactions / Operations and Current Trade Policy
    • Forex Remittances and Accounts Facilities to Resident Indians & NRIs
    • Documentary Credits & Standby Credits
    • INCOTERMS, UCP, URC, URDG, & ISP 1998, ICC Rules
    • FEMA 1999 on Exports / Imports and related remittances
    • Preventions with reference to KYC & AMLA – Special precautions on various Forex Products where bank funds are not involved
    • Export Finance
    • Introduction to Capital Account Transaction – ECBs & FCNR(B)Loans
    • FDI / ODI
    • ECGC Policies & Guarantees with claim procedures
    • Role & Rules of FEDAI
    • Exchange Rates
    • Derivatives
    • Risk Management

    Target Group:-

    Officers, Managers, Senior Managers and Executives presently handling Forex portfolio and also those who are likely to be inducted into the department in the near future.


    LEGAL ASPECTS OF BANKING TO LEGAL OFFICERS :-newblink

    Contents:-

    • Legal Aspects of Banking and different types of customers namely, Proprietary concern, Partnership firm, LLP, Trust, HUF, Societies and other
    • special customers and Companies
    • Companies Act 2013 – Changes and modifications
    • General Aspects of documentation and charge creation with ROC
    • General Aspects of Nomination & Death Claims
    • Types of charge and legal aspects of charging securities to the Banks.
    • Stamp Act, Registration Act, Limitation Act and the relevance of these acts in documentation
    • Different types of Mortgages and legal issues
    • Common defects in documentation and ways of overcoming the deficiencies
    • Legal aspects involved in borrowing Foreign Currency loans – Documentation thereof.
    • Documentation for consortium advances
    • Legal issues in LCs, Bank Guarantees and co-acceptances, including Corporate Guarantees and Personal Guarantees
    • Valuation of Assets charged to the Banks
    • Legal Scrutiny Report & its verification thereof
    • Cyber Laws
    • Forensic detection of fake & forged documents
    • Civil Suits and Lok Adalats in recovery
    • DRT and legal issues
    • SARFAESI
    • IBC 2016
    • Legal issues involved in nursing, revivals and rehabilitation packages
    • Restructuring – Recent guidelines.
    • ARC and the legal issues in managing distressed assets
    • OTS and Compromise Settlements

    Target Group:-

    Officers / Managers / Senior Managers having sufficient exposure to Credit operations and General Banking, working in branches and controlling offices.


    AGRICULTURE & PRIORITY SECTOR LENDING :-newblink

    Contents:-

    • Overview of Emerging opportunities and challenges for branches in Rural & Semi Urban centers.
    • RBI definitions on Priority sector lending
    • Targets for Priority sector lending
    • Agriculture & Priority Sector Lending as Profit centers
    • Business Targets - Strategies for Achievement
    • Marketing Strategies for Business growth in Rural & Semi urban centers.
    • Role of Banks in Rural Development.
    • Agriculture Financing (Short Term & Long Term) .
    • Financing of Dairy, Poultry, Minor Irrigation, Farm Mechanization, Farm Development, Horticulture, Rural Godowns, and Cold Storages etc.
    • Working Capital Assessment of Agricultural credit
    • MSME Financing - Assessment & Appraisal of Credit proposals
    • Import & Export of Agricultural products
    • Self Help Groups & Financial Inclusion.
    • PMJDY, and other Government Sponsored Schemes
    • NABARD refinance and other related issues.

    Target Group:-

    Target group: Branch Managers / Officers who are working in Agriculture and Priority Sector sections and or those identified for taking up the above related assignments either at branches /controlling offices.


    FINANCING OF INTERNATIONAL TRADE :-newblink

    Contents:-

    • Overview of International Trade Scenario and International Banking Business in India
    • BoP and Balance of Trade and CAD position – Review
    • Foreign Trade Policy and its implications to bankers
    • Forex Markets & Exchange Rate Mechanism
    • FEMA Guidelines - Export & Import Finance
    • LC Operations, SWIFT, UCPDC, URC & INCOTERMS
    • Trade Credits – ECB, FCCB, FDI Guidelines
    • Forex Remittances facilities
    • ECGC Guarantees & Policies
    • Forex Risk Management
    • Derivatives
    • Project Exports – EXIM Bank’s guidelines

    Target Group:-

    Officers and Managers in scale I, II & III and Executives handling Forex Business Officials identified for posting to Forex Business branches/ Offices.


    SPECIAL PROGRAM FOR OFFICERS RETIRING IN NEXT 6 MONTHS :-

    Contents:-

    • Transformation Management – Adjusting to the Age Realities
    • Planning for Retirement- Priorities
    • Engaging self
    • Health Management
    • Yoga & Meditation
    • Financial Planning
    • Funds & Liquidity Management
    • Time Management – Post Retirement
    • Enjoying everyday Retirement Life

    Target Group:-

    Retiring Clerks and Officers upto Scale III who would be retiring in next 6 months.


    PROGRAM FOR ADMINISTRATIVE OFFICE STAFF :-

    Contents:-

    • Defining the roles and responsibilities of Administrative Offices
    • Critical role played by Administrative units to enhance operational efficiency and to achieve the business goals
    • Key issues in Leadership and Human Resource Management
    • Essentials of Communication
    • Conflict resolution in work situations
    • Interpersonal Relationship.
    • Working in Teams
    • Telephone, Meeting and Greeting Etiquettes.
    • Meeting and Event Management
    • Time and Stress Management
    • Achieving Job satisfaction

    Target Group:-

    All officers/Manager’s working in Administrative offices.