Training Programme on NPA & Credit Risk Management

• recognise the importance of prudential norms
• define the need & impact of NPA Management
• apply various techniques of NPA Management
• define credit risks
• apply techniques of credit risk management

   

1. What is Prudential Norms?
2. Income Recognition and Asset Classification
3. Provisioning Norms
4. Impact of Prudential Norms on Profitability
5. Various techniques of NPA Management
6. Compromise settlement
7. Recovery Management
8. Documentation - Do's and Dont's
9. Legal Action in recovery mechanism
10. Credit risk & techniques of credit risk management
11. Salient features of DRT/ Securitisation Act

     

02. Discussion Method

03. Case Study Method

• analyse himself better & his personality structure, need and orientation
• identify inter-personal skills for influencing & leading people
• develop leadership, communication, conflict management and team building qualities
• manage time and cope up with stress

   

1. Knowing yourself - (Johari Window, Transactional analysis)
2. Managing Change
3. Intra & Interpersonal skills
4. Motivation
5. Communication skills
6. Problem solving & decision making skills
7. Time Management
8. Self-Assertiveness and effectiveness
9. Group dynamics and feedback techniques
10. Counseling skills
11. Coping with stress

03. Group discussion Method 04. Management Games

• analyse himself better & his personality structure, need and orientation
• identify inter-personal skills for influencing & leading people
• develop leadership, communication, conflict management and team building qualities
• manage time and cope up with stress

1. Knowing yourself - (Johari Window, Transactional analysis)
2. Managing Change
3. Intra & Interpersonal skills
4. Motivation
5. Communication skills
6. Problem solving & decision making skills
7. Time Management
8. Self-Assertiveness and effectiveness
9. Group dynamics and feedback techniques
10. Counseling skills
11. Coping with stress

03. Group discussion Method 04. Management Games

• develop better knowledge on important aspects of project appraisal
• apply various techniques of project appraisal
• Identify potential for financing farm sector activities
• apply various methods of monitoring and supervision during post disbursement phase

   

2. Project concept, project cycle

3. Assessment of potential of various farm sector schemes

4. Techno economic parameters of various farm sector schemes

5. Project appraisal methodology - DCF technique

6. Various aspects of project monitoring & supervision

7. Lending under KCC

8. Assessment of working capital need for farm sector, medicinal and aromatic plants

9. Recovery and NPA Management

9. Central sector schemes viz. On Farm Water Management Scheme, Rural Godown, Agri-clinic etc.

10. National Bank's Refinance schemes

03. Case study / Case exercise method 04. Field visit

• recognise the importance of financing rural non-farm activities
• assess the potential for rural non-farm activities & identify the same
• apply different appraisal techniques for working capital & term loan proposals
• develop skills for documentation & monitoring of such advances

1. Problems & opportunities for small enterprises and need for portfolio diversification
2. Identification of small enterprises, their features and assessment of potential
3. Appraisal of small enterprises - simple techniques
4. Assessing the Entrepreneurs
5. Assessment of block capital and term loan requirement of small enterprises
6. Assessment of working capital needs - different techniques
7. Various committee recommendations
8. Monitoring of working capital loans
9. Cash flow analysis & cost volume profit analysis
10. Assessment of financial health of a firm
11. National Bank's refinance and promotional schemes

03. Field Visit 04. Case Exercise / Study

• recognise the importance of financing rural housing & Central Sector Schemes
• identify the potential in channelising the credit to those sectors
• apply aspects of appraisal of individual rural housing and Central Sector Schemes

   

1. Importance of financing Rural Housing & Central Sector Schemes
2. Evaluation of customer
3. Various appraisal techniques
4. Assessment & management of risk associated therewith
5. Securitisation - Housing loan product
6. Documentation aspect
7. NABARD's initiative in Rural Housing Loan & Central Sector Schemes

1. Discussion Method
2. Lecture Method
3. Case Exercise / Study Method