Name of the Programme

Duration

Target clients

Commercial Banks / Regional Rural Banks / State Co-op. Banks / District Central Co-op. Banks / LDBs

Target participants

Branch Managers / Field Officers / Other Officers in the Control Offices, Head Offices and Branches.

 Objective

By the end of the programme, the participants would be able to :-

1. v to appreciate the scope, prospects, policies and other issues  related to financing of commercial agriculture in the post WTO environment
2. to acquire  sound analytical tools and necessary skills in project formulation and appraisal of commercial agriculture projects including export oriented projects
3. to build capabilities to identify projects in the liberalised environment

Learning events

1. National Agriculture Policy, WTO and Agriculture
2. Formulation and Appraisal of Commercial agri.projects – Technical, financial, commercial and other aspects – Financial analysis, Discounted cash flow techniques
3. Techno-economic aspects of high-tech and commercial  PH projects (floriculture,vanilla, bio-technology etc)  export potential, environmental aspects,
4. Commercial dairy - financial appraisal & case exercise
5. Value addition to agri. - Agrl. Export Zones - Opportunities for Bankers
6. Financing of Aromatic and Medicinal plants
7. Agri. clinics/Agri. Business centres, cold storages, rural godown and Consultancy Services  projects
8. Credit Risk Analysis with reference to Comm. Agri. projects - Risk Assessment & Management
9. Working Capital assessment of Agro-Industries / balance sheet analysis
10. Organic Farming and Contract Farming - Emerging trends - Problems and Prospects

Methodology

Class room sessions include interactive lectures, supported by audio visual aides including computer aided presentations, experience sharing and group discussions supplemented by case exercises/studies, preparation  & presentation of field study reports.

Field Visit

Field visit to 2 Commercial Farms and One Commercial Dairy farm

1. Enlarge credit portfolio  and build up capabilities to identify projects in the given natural resources endowments
2. Appreciate the need for adopting project/cluster approach for financing investment projects under farm/non-farm sectors and assess the technical, financial, managerial and commercial aspects
3. Sharpen their skills on various appraisal/analytical tools in project formulation and appraisal
4. Be familiar with the skills in project implementation and monitoring including financial statement analysis.
5. Be aware of the new initiatives of NABARD for development of Farm and Non-Farm sector including various refinance and promotional schemes.

1. Overview of rural economy - Potential for financing Farm & Non-farm sector projects
2. Appraisal of loan proposals - Project approach
3. Concept of Farm models - Incremtnal income - Discounted cash flow techniques -  repayment schedule
4. Case exercise on Minor Irrigation, Dairy & PH sectors
5. Financing Rural Housing & Services Sector
6. Financial analysis of micro industrial enterprises - Assessment of Block & Working Capital - BEP, DSCR
7. Balance Sheet and Ratio analysis
8. Securities and Documentation - Legal aspects
9. Recovery & NPA management
10. Refinance & Promotional schemes of NABARD
11. Agri-clinics, Agri Business Centres, Cold Storage, Rural Godowns, Consultancy etc.

1. Understand the importance of financing plantation / Horticulture sector and the techno-economic aspects of important plantation and horticulture crops
2. Identify potentials / opportunities for financing PH sector including Medicinal and aromatic plants, Export-oriented projects and hi-tech / innovative schemes
3. Sharpen the skills for appraisal of projects / credit proposals for financing commercial P & H activities
4. Understand and appreciate the new initiatives of NABARD / GOI in promotion of plantation and horticulture including various refinance schemes.

1. Plantation / Horticulture scenario - Plan, policies, technologies and the markets - Problems and prospects
2. Financing opportunities in PH sector
3. Appraisal of Investment projects in PH sector
4. Techno-economic aspects of major P/H crops and other investments - Medicinal & aromatic plants, floriculture and other commercial horticulture projects
5. Financing of PH crops in Agri-Export zones (AEZ) and under contract farming
6. Initiatives / schemes of NABARD / GOI - Agri-clinics and Agri-business centres, Cold storage etc.
7. Learnings from exposure visits / field visits.

1. Understand the importance of financing Animal Husbandry.
2. Identify potentials for financing Animal Husbandry sector including hi-tech/innovative schemes
3. Appraise projects on Commercial Dairy, Poultry and Stall fed goat rearing
4. List the initiatives of NABARD/GOI in promotion of Animal Husbandry including various refinance schemes of Animal Husbandry

1.  
2. Present scenario of AH sector and future prospects relevant to Indian Economy - Assessment of potential for AH sector
3. Formulation and Appraisal of Agricultural Projects - Commercial, Technical and Financial Aspects of Appraisal - DCF Techniques and risk based appraisal.
4. Techno-economic aspects Dairy  (Commercial) /Poultry/ Piggery/Stall fed Goat & sheep rearing with a case exercises
   

1. Half a day visit to commercial dairy/poultry unit.

1. Upscale the knowledge on the recent developments in the banking system.
2. Understand the role as internal inspecting officers of the banks
3. Develop skills in conducting inspections
4. Understand the Qualitative aspects of inspection and compliance to inspection reports by internal and external agencies

1. Role of Internal Inspecting officers - Group discussion and presentation
2. Recent trends in banking - Financial inclusion, KYC norms
3. Importance of internal inspection
4. Inspection of branches - Skills for verifying the appraisal mechanism and end use of credit
5. IRAC norms
6. Preparation and verification of P & L Account and Balance sheet
7. Preventing cyber crims - Inspection of computerised branches
8. Common deficiences observed in NABARD inspection and compliance thereof
9. Verification of legal requirements in regard to deposit and loan products
10. Modus operandi of bank frauds - Preventive measures

1. Understand and appreciate the concept and relevance of ALM
2. Understand risk management systems and tools and techniques in ALM
3. Appreciate the role of bank Managers in development of strategies for risk management

1. Financial sector reforms - Need and relevance of ALM
2. Treasury and Investment Management
3. ALM Concept
4. RBI guidelines on ALM
5. Risk Management - Liquidity Risk(LR), Interest Rate Risk(IRR)
6. Identification, Measurement and Management of Risk(LR, IRR)
7. Measurement of Interest Rate Risk and Strategies for IRR Management
8. Gap Analysis, Duration Analysis and Value at Risk
9. Framing of ALM strategies - Pricing strategies, Money market operations
10. Organisational Frame work for ALM, ALCO
    

1. Understand and appreciate the concept and relevance of Risk Management including Credit risk and ALM
2. Understand  risk management systems and tools
3. Develop skills for NPA and Recovery management
4. Appreciate the role of branch managers in development of strategies for risk and recovery management

1. Financial sector reforms- Need and relevance of Risk Management system
2. Recent trends in banking – Strategies for Business development
3. Credit Risk Management
4. Recovery and NPA Management
5. Asset Liability Managemnt (ALM)- Concept, Guidelines
6. Risk Management - Liquidity Risk (LR), Interest Rate Risk (IRR)

1. Appreciably improve their self image
2. Understand one's own managerial style
3. Appreciate the need for better inter-personal              relations for  effective performance of their role as      Managers
4. Adopt innovative approach to find solutions to             problems at work place

1.  
2. Understanding Self through Transactional Analysis - Egogram
3. Functions of a Manager - Role Clarity - Managerial Effectiveness.
4. Self Awareness -Interpersonal Relations-FIRO-B
5. Communication Skills
6. Effective Leadership - Leadership styles
7. Time Management
8. Motivation at work place
9. Team Building and Group Dynamics
10. Stress Management & Yoga
11. Goal Setting and Performance Counselling
12. Creative Approach to Problem Solving
13. Managing Conflict Situations
    

1. List out areas to prevent health related catastrophe
2. Manage stress level in the office as well as private situations
3. Understand the utility of yoga and meditation in day-to-day life
4. Improve productivity through mind-body coordination

1. Managing Executive Stress
2. Common ENT Problems
3. Fitness through proper diet
4. Cardiac Diseases - Prevention & Management
5. Diabetes - Prevention and Management
6. AIDS & Cancer
7. General Eye Care
8. Aspects of Mental & Physical Health - Prevention of Memory Loss
9. Urological Problems
10. Meditation & Health
11. Common Dental Problems
12. Homeopathy - alternative system of medicine
13. Ayurveda for better health
14. First Aid Methods

1. take decision effectively
2. provide effective leadership
3. communicate properly
4. cope with changes and sstress
5. resolve conflicts
6.  

1. Understanding self
2. Managerial effectiveness
3. Leadership skills and styles
4. Effective communication
5. Time Management
6. Managing Change
7. Team Building
8. Creative approach to decision making
9. Stress Management
   

1. Describe the importance of MSME sector, latest policies and programmes of Govt. Of India
2. Upscale knowledge and develop scientific skill to
3. Appraise MSME sector projects
4. Appraise services sector activfities and identify risks
5. Describe problems and prospects of financing rural housing projects
6. Describe prospects and safeguards in financing medium enterprises
7. Extend need based credit and ensure quality

1. Identification of issues in financing MSME sector
2. Govt. Of India’s announcementgs on MSME - objectives and importance
3. Appraisal aspects of micro and small units
4. Case exercise on financing of micro and small enterprise
5. Balance sheet and P & L account analysis with case exercise
6. Financing of services sector with case exercise
7. Financing Rural Housing
8. Securities and documentation
9. Promotional and refinance schemes of NABARD
10. Financing medium enterprises - Interaction with an entrepreneur / Banker

1. Be aware of various Medicinal and Aromatic Plants and their commercial value
2. Understand agro technological aspects of important species of MAPs
3. Understand Cultivation and production practices of important species of MAPs.
4. Appraise various aspects for financing MAPs
5. formulate of various schemes for promoting cultivation of MAPs
6. Prepare Banking Plan for financing MAPs for improving their business.

1. Present scenario of MAP sector and future prospects relevant to Indian economy
2. Use of medicinal plants by different systems of medicines
3. Role of various organisations dealing in systems of medicines
4. Agro technologies of important MAPs
5. Cultivation & production technologies and economics of important MAPs
6. Marketing mechanism of MAPs
7. Policy initiatives of NABARD/GOI/NMPB
8. Need and methodology of preparation of Banking Plan.

1. Appreciate the significance and relevance of dryland farming and its contribution to agrl. production in the national and state perspective
2. Understand the concept and approach for devt. of rainfed areas to conserve natural resources for improving the productivity of land and the economic conditions of people living in the rainfed areas
3. Learn the techniques of watershed management and devt. of rainfed areas on watershed basis
4. Understand the role of NABARD and bankers in the watershed devt. projects

1. Scope and need for development of rainfed areas and relevance of dryland farming and its contribution to agrl. production in the National and State perspective - Role of banks
2. Land productivity and soil management in dry farming - Cropping pattern and crop rotation - Problems, issues and approaches
3. Watershed approach for devt. of rainfed areas - various components - People's participation - Various watershed programmes in the States
4. NABARD's initiatives and experiences in watershed development
5. Role of bankers in dryland agriculture - Activities to be financed for making use of the resources created under the watershed devt. projects
6. Action Planning

1. Appreciate the need for Internal Control Systems
2. Sharpen their skills/knowledge on various Internal Control Systems
3. Detect early warning signals
4. Equip themselves in formulating strategies for development of Internal Control Systems

1. Objectives and Importance of Internal Control System -
2. Asset Liabilities Management - Risk Assessement/Control
3. Prudential Norms as an Internal Control Measure
4. Advances portfolio - Follow-up and Monitoring - Checks and Balances - Documentation and Recovery aspects.
5. Control Systems relating to cash - Invest. - Deposits.
6. Branch to Branch & Branch to Head Office Transactions - Balancing/Control Returns - Effective House - keeping
7. Audit systems - Internal/External/Concurrent Audit- Comp.
8. Approach to statutory inspection on-site inspection and off-site surveillance - Rating System
9. Branch Control mechanism - Branch inspection strategy, content, coverage - Senior Officers Visits - Compliance on inspection report / visit note.
10. Funds Management
11. Frauds, Robberies and Embezzlements - Areas prone to frauds-Need for preventive vigilance - Procedure for filing Police complaint
12. Disciplinary Proceedings - Systems and Procedure

1. Update knowledge of IR & DE - Policies and approaches
2. Identify and analyse Industrial relations problems and challenges faced by Managers
3. Familiarise with the related legal and statutory provisions
4.  

1. Industrial Relations - Definition, scope and  functions– An Overview- Status of IR in RRBs
2. Rights and responsibilities of Registered TUs-Role of Managements and TUs in resolving industrial disputes  Workers involvement in management
3. Constitutional remedies and operational issues
4. Model Employees Service Regulations-RRBs
5. Discipline – Meaning and Objectives –Investigation - Preliminary Report - Meeting Complainant / Accused / source / Witnesses – Statements / Examination Nature of Proof / Evidence
6. Ingredients of a good report - Tips to Investigating officers - Disciplinary Action – Definition - Charge sheet/ Appeals - Principle of Natural Justice
7. Roles & Responsibilities of EO/MR/DR
8. Preventive Vigilance – Vigilance Angle CVC Guidelines - Vigilance Cases in Banks - Anonymous / Pseudonymous Complaints - Natural Justice and CVC advice - Domestic Enquiry and Criminal trial
9. Report of EO - Possible pitfalls - Minor/Major penalties - Appeals and Tribunals

1. Have a clear idea about the credit portfolio of the bank and frame strategies for effective credit planning and management to make the bank more vibrant to compete in the market
2. Acquire necessary knowledge and skills in appraisal of credit proposals and ensure qualitative lending
3. Understand and appreciate the need for stepping up recovery and NPA management strategies
4. Understand the nuances of maintaining good customer relationship and appreciate the need for marketing
5. Imbibe a better work culture
   

1. Performance analysis and Credit Portfolio analysis and future strategies
2. Different aspects of appraisal
3. Appraisal of farm sector and NFS projects
4. Assessment of Block and Working capital-BEP/DSCR
5. Balance sheet and ratio analysis
6. Financing trading and service activity - CC/OD etc.
7. NPA & Recovery Management
8. Documentation and legal aspects
9. Marketing of bank products & customer service.
10. Effective Leadership, Motivational aspects, Team building and conflict resolution
11.  

1. Establish the needfor better inter-personal relations for effective performance of their role as Managers
2. Describe their role and responsibilities and perform accordingly
3. Motivate self and motivate others
4. Understand one’s own managerial style
5. Ecourage Team work and develop leadership qualities
6.  

1. Identification of issues pertaining to Motivation & Man Management”
2. Functions of a Manager - Role clarity - Managerial effectiveness
3. Knowing self through TA - Parent, Adult and Child state
4. Moivational aspects - Process of motivation
5. Practical ways to motivate self and others - Cost effective motivational applications
6. Goal setting and performance counselling - What is SMART Goal?
7. Team building and group dynamics
8. Leadership qualities
9. Communication skills
10.  

1. Analyse the performance of the bank and deliberate on business strategies
2. Understand the Models of Transfer Price Mechanism for Br. profitability analysis
3. Acquire necessary knowledge and skill in appraisal of credit proposals and ensure qualitative lending
4. Understand and appreciate the need for stepping up recovery and NPA management strategies
5. Understand the nuances of maintaining good customer relationship and appreciate the need for marketing of bank's products

1. SWOT / Portfolio analysis and future strategies
2. Framework for Bank/Branch profitability analysis and TMP models
3. Business diversification and profit centre approach
4. Turn around strategies - learning from the past
5. Management of NPA and recovery strategy
6. Marketing of bank products & customer service
7. Action Planning

1. Acquire uptodate knowledge about the new trends in the banking industry
2. Equip themselves to effectively face the tasks ahead in the light of new developments in Indian banking scenario
3. Develop capabilities towards marketing of tech savvy products and services to compete with other players.

1. Identification and discussion on issues - strategies for managing the change
2. Banking sector reforms, recent trends in banking, financial inclusion, emerging challenges,  KYC norms
3. GOI’s package for doubling of agri credit - dynamics of SME financing - strategies for increasing non fund based income - Bancassurance
4. Micro credit delivery innovations - JLGs/Farmers’ clubs - Banking correspondents and Business facilitators
5. Marketing of bank products - CRM
6. Core Banking Solution - RTGS - Cheque truncation - tele banking - anywhere banking, internet/ e banking, networking of ATMs
7. Product diversification in banks - Strategic alliances
8. Product and credit delivery innovations - Uase of technology for improving branch efficiency
9. Lenders liab ility - fair practices code - Banking codes and Standards Boiard of India - New Banking Ombudsman scheme

1. Realistic assessment of working capital required by SME units
2. Analysis of BEP, DSCR and other important financial ratios as tools for a financial decision
3. Analyse Balance sheet and profit and loss statement as a tool for offsite monitoring and performance assessment of the units financed
4.  Ensuring quality lending and expansion of credit flow for SME sector

1. Issues related to working capital assessment, sanction and operations, financial statements of units financed - Group discussion
2. Financial Appraisal of SME units - Cashflow analysis, BEP with a case exericse
3. Working Capital assessment of an SME units - different methods including cash budget method for different types of activities - Manufacturing, services and trade
4. Financial statement analysis - different tools - Ratio analysis with case exercise
5. Documentation - legal aspects
6. Financing of medium enterprises - working capital assessment

1. strategise enhancing and strengthening customer base
2. relate banking sector reforms/emerging challenges with the changing expectations of customers
3. describe the importance of customer relationship
4. identify strategies for business development through credit delivery and product innovations

1. Customer related operational issues - Group discussion
2. Present banking scenario, emerging challenges and expectations of customer
3. KYC and Management game on customer relationship (mind joggers)
4. Marketing strategies for business development - Understanding and marketing new products and services - Developing product wise strategies
5. Customer relationship in banking business
6. Delivery innovations - Technical savy products - Universal banking and non-banking products
7. Presentation / Communication skills for marketing of bank products
8. Customer service - Customer Complaints and Redressal

1. Understand the concept of agro processing and the need for the same
2. Examine the policy environment in the country for the growth of the agro processing sector
3. Enumerate the various aspects of project appraisal
4. Describe the concept of Time value of money
5. Understand the concept of NPW, BCR and IRR
6. Describe the concept of working capital - Assessment by various methods nderstand the profitability analysis
7. Describe the concepts of Break even Point
8. Describe DSCR and draw repayment schedule
9. Demonstrate the above concepts through working of a case exercise on agro financing
10. List out the various techno -economic parameters - both on-farm and off-farm in reducing post harvest losses and producing value added products
11. Analyze the concept of Contract Farming and its advantages in quality processed products
12. Analyze the concept of Organic Farming and its advantages in value addition
13. Enumerate the interventions of various organizations - GOI, NABARD, NHB and APEDA
14. To understand the nitty gritty of financing agro processing proposal through a visit to a working agro processing unit and discussions with financing banker

1. become familiar with the varied role of regulatory authorities like RBI, DGFT, FEDAI, ADs
2. get familiarised with SWIFT operations and Forex transactions of banks
3. be able to know the various features, regulations, etc. about accepting deposits under NRO/NRE/FCNR accounts and also the rules & regulations and procedures for sanctioning loans and Forex remittances.

1. Introduction to Forex business in India, Role of regulatory authorities and role of RRBs as Forex Dealers
2. SWIFT operations and the FEMA rules, regulations with regard to various deposit schemes such as NRO/NRE/FCNR/RFC accounts as well as loans and forex remittance facilities

1. SWOT analysis of DCCBs - Factors contributing for sustainable viability of DCCBs- Group discussion & presentation
2. Funds Management - Concept and strategies to maximise returns and minimise idle cash - Avenues for increasing non-fund business
3. Leveraging Human resources for improved productivity - Motivation at work place.
4. Concept of profitability & Profit centre approach - Case study discussion and presentation.
5. Turn around strategies  - Business development / diversification - Discussion with a live case study
6. Customer Relationship Management - Publicity and image building - Role play
7. Risk & Recovery Management - Introduction to Basel II norms - Innovative recovery measures

1. Emerging trends in banking scenario - New developments relating to RRBs - Financial Inclusion
2. Financing Agriculture and Allied Sector - high tech and high value advances - Innovative activities
3. Financing MSME sector - Rating of proposals - CLISS - CGTFSE
4. Foreign Exchange Business and Management
5. Deposits Mobilisation and  Funds Management
6. Technology driven banking
7. Strategies for increasing non fund based income

1. Introduction, overview of status and scope for financing fishery    
2. Composite culture of Indian and Exotic carps and scampi
3. Hatchery production of fish seeds
4. Farming of non conventional varieties of acquatic forms
5. Financial appraisal of Inland fisheries
6. Coastal aquaculture; socio-legal and environmental isses in fisheries
7. Fish processing, value addition and marketing
8. Interventions from support agencies

1. Experience Sharing/Expectation
2. Banking scenerio, prospects and challenges for RRBs
3. RRB Act and role assigned to the Board
4. Strategies for business development and profit making- Concept of  DAP- Performance parameters
5. Change management
6. Funds and investment Management
7. Risk management - ALM
8. Motivational Leadership
9. Strengthening Internal Control Systems
10. Staff Service regulation -Disciplinary procedures
11. Interaction with Chairman of RRB

1. Introduction to the programme - Need and relevance of the programme - ice breaking
2. Identification and discussion of issues relating to recovery, NPA Management, Sarfaesi Act, 2002
3. Importance and Implications of NPA and NPA Management
4. Sarfaesi Act, 2002 - Salient features and important provisions
5. KYC Norms and Borrower Appraisal
6. Strategies to be adopted for Suit filed/Decreed debts/DRT/Lok adalats
7. Recovery & Risk Management - Credit & Operational Risk Management
8. Facilitating recovery through credit counselling and borrower education