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Project Appraisal and Credit Management
a. To Develop Basic Knowledge of Project Concepts, Formulation, Identification and Selection, Techniques of Project Appraisal, Costs & Financing Modes, and, Feasibility Study.
b. To Familiarize the Participants with Different Forms of Credit, Regulations, Policy Guidelines, Processes of Credit Investigation, and Selection of borrowers.
c. To Understand Various Techniques of Credit Documentation, Risk Management, and Loan Pricing.
d. To Equip the Participants with the Tools and Techniques for Credit Monitoring, Supervision, and Recovery of Non-Performing Loans.
a. Concept of Project, Identification, Formulation, and selection of Project, Different Techniques of Project Appraisal, Cost and means of Project Financing and, Project Feasibility Study.
b. Different Forms of Credit, Importance of Credit, Macro and Micro Aspects of Bank Credit, and Credit Policy Guidelines.
c. Credit Investigation-Credit Information Bureau, Credit Report and Selection of Borrowers.
d. Appraisal and Processing of Term Loan Proposals-Marketing Aspect, Technical Aspect, Financial Aspect, Management and Organizational Aspect, Environmental Aspect, Socio-Economic Aspect.
e. Analysis of Financial Statements- Common Size Financial Statements, Ratio Analysis, Cash Flow Statement Analysis, and Data Analysis.
f. Credit Risk Management (CRM)-Credit Risk Assessment, Internal and External Assessment of Risks, Internal Credit Risk Rating System (ICRRS) for the Corporate Sector, Procedural Guidelines, and Approval Process.
g. Credit Administration-Loan Rescheduling, Structuring and Pricing, Sanctioning, Documentation and Repayment Schedule, Disbursement Procedures, Selection, Valuation and Control of Security, Creation of Charges, Insurance of Goods, Security Compliance Checklist, Credit Collection Procedures.
h. Loan Portfolio Risk Management- Portfolio Management of Loan, Strategies, and Performance Evaluation.
i. Credit Monitoring and Recovery-Early Alert Process, Regulation, Loan Classification, and Provisioning, Strategies for Managing Non-performing Loans, Legal and other Measures like negotiation, securitization, and Asset Management Company for Loan Recovery.
Criteria for Nomination for BIBM Training
a. BIBM member banks can access the online nomination form before forty (40) days of the commencement of programs. BIBM member banks can nominate a maximum number of three (03) participants for a Training Workshop. The maximum number of participants in each Training Workshop is 40. However, if the number of total nominees exceeds the maximum number, a final list of 40 participants will be prepared by the BIBM authority which will be available online five (05) days prior to the commencement of the Training Workshop. Information in regard to rejection of any nomination will be communicated to the concerned bank at least three (03) days before the commencement of the Training Workshop. No participant under the target group/level is allowed to participate in any Training Workshop.
b. As per the decision of the BIBM Governing Board, BIBM Member Banks (except Bangladesh Bank) are required to pay BDT 1700 per day per participant including holidays (if any) as training fees which also include Accommodation, Food, and other miscellaneous expenses. However, for Bangladesh Bank, the fee is BDT 500 per day per participant. All Fees are excluding VAT and Tax.
c. The pay order/bank draft drawn in favor of ‘Bangladesh Institute of Bank Management’ has to be sent at least seven (07) days prior to the commencement of the Training Workshop.
d. The Training for each day will be as follows:
|
Time |
Session |
|
1005-1105 |
1st Session |
|
1105-1125 |
Refreshment |
|
1125-1225 |
2nd Session |
|
1225-1230 |
Break |
|
1230-1330 |
3rd Session |
|
1330-1430 |
Lunch & Prayer Break |
|
1430-1530 |
4th Session |
|
1530-1535 |
Break |
|
1535-1635 |
5th Session |
|
1635 |
Tea & Snacks |