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Regional Training College, Mangalore
 

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Training Programmes
 
The College has been following a pro-active approach to training and constantly reviewing the training programmes offered and the course contents. On the basis of periodical training needs assessment being conducted by the College and keeping in view current topics in vogue and the importance, the following are  training programmes offered to client banks :
 
I - CREDIT MANAGEMENT
 
  • Financing MSMEs under Rural NFS  (Free Prog.)
  • Integrated Prog. on Financing MSMEs, Rural Housing and Service Sector (Free Prog.)
  • Appraisal of Commercial Agricultural projects.
  • Sectoral Prog. - Financing Plantation & Horticulture
  • Sectoral Prog. - Financing  Animal Husbandry
  • Sectoral Prog. - Financing Fisheries
  • Financing Agro Processing Investments
 
II - FINANCIAL MANAGEMENT
 
  • Business Development and Profitability
  • Asset Liability Management
  • Forex and Treasury Business for RRBs
  • NPA and  Recovery Management
 
III - BEHAVIOURAL SCIENCE/HRD/TRAINERS' TRAINING
 
  • Behavioural Change for Managerial Effectiveness
  • Health Management ( 5 day prog. including a day’s camp at Nature Cure Hospital at Dharmasthala/Udupi )
  • Stress Management
  • Management Development Programme
  • Motivation & Man Management
  • Programme on Leadership Skills
 
IV - SHG - mICRO FINANCE
 
  • SHG Bank Linkage to  Micro Enterprises  (Free Prog.)
 
V - THRUST AREAS
 
  • Organic Farming
  • Medicinal and Aromatic Plants
  • Rainfed farming
 
VI - OTHERS
 
  • Strengthening Internal Control Systems
  • Industrial Relations and Domestic Enquiry
  • Credit Management
  • Revitalising Co-operatives
  • Emerging trends in Banking
  • Customer Relationship Management.
  • Cluster Development
  • Working Capital assessment and Balance sheet analysis
  • Programme for Inspecting Officers
 
Besides the above, the College has been periodically conducting the on-location client specific programmes and workshops/seminars.  The College has also conducted Organization Development Interventions  (ODI) for selected RRBs and co-operative banks. The College is also given the responsibility of conducting certain  training programmes / Seminars / Workshop specified by its Head Office / Regional Offices.
 
Name of the Programme   FINANCING COMMERCIAL AGRI. PROJECTS
Duration 5 days
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
 
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Name of the Programme PROJECT APPRAISAL
Duration 5 days
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 prog. the participants would be able to
  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.
Learning events
  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.
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 Full day Field visit to  Farm and Non-farm Sector units
 
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Name of the Programme SECTORAL PROGRAMME  -   PLANTATION AND HORTICULTURE
Duration 3 Days
Target clients Commercial Banks, RRBs, SCARDBs, SCBs, DCCBs
Target participants Branch Managers / Officers dealing with agricultural credit
Objective By the end of the programme, the participants would be able to :-
  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.
Learning events
  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.
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 / case studies, preparation and presentation of field study reports.
Field Visit Half-a-day field visit to a commercial Plantation/Horticulture farms
 
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Name of the Programme Sectoral Programme -  Animal Husbandry
Duration 3 Days
Target clients Commercial Banks, RRBs, SCARDBs, SCBs, DCCBs
Target participants Field officers / Branch Managers of CBs / RRBs and co-operatives
Objective By the end of the programme, the participants would be able to :-
  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
Learning events
  1. Present scenario of AH sector and future prospects relevant to Indian Economy - Assessment of potential for AH sector
  2. Formulation and Appraisal of Agricultural Projects - Commercial, Technical and Financial Aspects of Appraisal - DCF Techniques and risk based appraisal.
  3. Techno-economic aspects Dairy  (Commercial) /Poultry/ Piggery/Stall fed Goat & sheep rearing with a case exercises
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 / case studies, preparation and presentation of field study reports.
Field Visit
  1. Half a day visit to commercial dairy/poultry unit.
 
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Name of the Programme Programme for Inspecting Officers of Banks
Duration 3 days
Target clients RRBs, SCBs and DCCBs
Target audience Inspecting Officers of RRBs, SCBs and DCCBs.
Objective By the end of the programme, the participants would be able to :-
  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
Learning events
  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
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 / case studies, preparation and presentation of field study reports.
Field Visit Half a day field visit to a Commercial bank branch with Core Banking Solution for on the spot learning.
 
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Name of the Programme Asset Liability Management
Duration 3 days
Target clients Regional Rural Banks / State Co-op. Banks / District Central Co-op. Banks
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. 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
Learning events
  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
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 / case studies.
 
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Name of the Programme NPA AND RECOVERY MANAGEMENT
Duration 3 Days
Target clients Regional Rural Banks and State / District Central Co-op. Banks
Target participants Branch Managers / Officers of RRBs, SCBs and DCCBs
Objective By the end of the programme, the participants would be able to :-
  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
Learning events
  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)
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 / case studies.
 
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Name of the Programme  Behavioural Change for Managerial Effectiveness
Duration 5 days
Target clients Regional Rural Banks / State Co-op. Banks / District Central Co-op. Banks
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. 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
Learning events
  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
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 / case studies. Daily yoga classes in the mornings.
 
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Name of the Programme Programme on Health Management
Duration 5 days
Target clients Regional Rural Banks / State Co-op. Banks / District Central Co-op. Banks
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. 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
Learning events
  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
Methodology Class room sessions include interactive lectures, supported by audio visual aides including computer aided presentations.
Field Visit One full day visit to Nature Cure Hospital at Dharmasthala / Udupi enabling one to one consultation with Doctors and rejuvenation therapy
 
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Name of the Programme MANAGEMENT DEVELOPMENT PROGRAMME
Duration 3 Days
Target clients RRBs/SCBs/DCCBs
Target participants Area Managers/Senior Managers of RRBs and DGMs/AGMs of DCCBs, Senior Managers of Apex Co-op. Banks
Objective By the end of the programme, the participants would be able to :-
  1. take decision effectively
  2. provide effective leadership
  3. communicate properly
  4. cope with changes and sstress
  5. resolve conflicts
  6.  
Learning events
  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
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 / case studies.
 
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Name of the Programme Integrated Programme on Financing Micro, Small and Medium enterprises, Rural Housing and Services Sector.
Duration 5 days
Target clients CBs, RRBs, SCBs, DCCBs and Scheduled Urban Co-op. Banks
Target audience Officers / Branch Managers
Objective By the end of the programme, the participants would be able to :-
  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
Learning events
  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
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 / case studies, preparation and presentation of field study reports.
Field Visit One full day visit to successful Micro, Small and Medium scale units for the on the spot assessment
Name of the Programme Integrated Programme on Financing Micro, Small and Medium enterprises, Rural Housing and Services Sector.
Duration 5 days
Target clients CBs, RRBs, SCBs, DCCBs and Scheduled Urban Co-op. Banks
Target audience Officers / Branch Managers
Objective By the end of the programme, the participants would be able to :-
  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
Learning events
  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
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 / case studies, preparation and presentation of field study reports.
Field Visit One full day visit to successful Micro, Small and Medium scale units for the on the spot assessment
 
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Name of the Programme Medicinal and Aromatic plants
Duration 3 days
Target clients Commercial Banks / Regional Rural Banks / State Co-op. Banks/District Central Co-op.Banks/LDBs/LABs
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. 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.
Learning events
  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.
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 / case studies, preparation and presentation of field study reports.
Field Visit One full day visit to a Herbal garden and a processing unit.
 
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Name of the Programme " RAINFED FARMING "
Duration 3 days
Target clients CBs / RRBs / SCBs / SLDBs / DCCBs
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. 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
Learning events
  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
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 / case studies, preparation and presentation of field study reports .
Field Visit One full day visit to two watershed projects
 
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Name of the Programme Strengthening Internal Control System
Duration 5 days
Target clients Regional Rural Banks / State Co-op. Banks / District Central Co-op. Banks
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. 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
Learning events
  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
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 / case studies.
 
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Name of the Programme “Industrial Relations & Domestic Enquiry”
Duration 5 days
Target clients Regional Rural Banks
Target participants Branch Managers / Other Officers in the Area Offices, Head Offices and Branches.
Objective By the end of the programme, the participants would be able to :-

Update knowledge of IR & DE - Policies and approaches
Identify and analyse Industrial relations problems and challenges faced by Managers
Familiarise with the related legal and statutory provisions
Learning events Industrial Relations - Definition, scope and  functions– An Overview- Status of IR in RRBs
Rights and responsibilities of Registered TUs-Role of Managements and TUs in resolving industrial disputes  Workers involvement in management
Constitutional remedies and operational issues
Model Employees Service Regulations-RRBs
Discipline – Meaning and Objectives –Investigation - Preliminary Report - Meeting Complainant / Accused / source / Witnesses – Statements / Examination Nature of Proof / Evidence
Ingredients of a good report - Tips to Investigating officers - Disciplinary Action – Definition - Charge sheet/ Appeals - Principle of Natural Justice
Roles & Responsibilities of EO/MR/DR
Preventive Vigilance – Vigilance Angle CVC Guidelines - Vigilance Cases in Banks - Anonymous / Pseudonymous Complaints - Natural Justice and CVC advice - Domestic Enquiry and Criminal trial
Report of EO - Possible pitfalls - Minor/Major penalties - Appeals and Tribunals
Methodology Class room sessions include interactive lectures, supported by audio visual aides including computer aided presentations, experience sharing and group discussions supplemented by Mock Enquriy.
Name of the Programme "CREDIT MANAGEMENT"
Duration 5 days
Target clients Bank specific
Target participants Branch Managers / Other Officers in the Area Offices, Head Offices and Branches.
Objective By the end of the programme, the participants would be able to :-

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
Acquire necessary knowledge and skills in appraisal of credit proposals and ensure qualitative lending
Understand and appreciate the need for stepping up recovery and NPA management strategies
Understand the nuances of maintaining good customer relationship and appreciate the need for marketing
Imbibe a better work culture
Learning events Performance analysis and Credit Portfolio analysis and future strategies
Different aspects of appraisal
Appraisal of farm sector and NFS projects
Assessment of Block and Working capital-BEP/DSCR
Balance sheet and ratio analysis
Financing trading and service activity - CC/OD etc.
NPA & Recovery Management
Documentation and legal aspects
Marketing of bank products & customer service.
Effective Leadership, Motivational aspects, Team building and conflict resolution
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 / case studies, preparation and presentation of field study reports.
Field Visit One full day visit to Farm and Non-farm sector units.
 
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Name of the Programme “Motivation and Man Management”
Duration 3 days
Target clients CBs , RRBs, SCBs, DCCBs and SLDBs
Target audience Branch Managers and officers from CBs, RRBs, SCBs and DCCBs/SLDBs
Objective By the end of the programme, the participants would be able to :-
Establish the needfor better inter-personal relations for effective performance of their role as Managers
Describe their role and responsibilities and perform accordingly
Motivate self and motivate others
Understand one’s own managerial style
Ecourage Team work and develop leadership qualities
Learning events Identification of issues pertaining to Motivation & Man Management”
Functions of a Manager - Role clarity - Managerial effectiveness
Knowing self through TA - Parent, Adult and Child state
Moivational aspects - Process of motivation
Practical ways to motivate self and others - Cost effective motivational applications
Goal setting and performance counselling - What is SMART Goal?
Team building and group dynamics
Leadership qualities
Communication skills
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 / case studies.
 
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Name of the Programme REVITALISING CO-OPERATIVES
Duration 5 days
Target clients Bank specific
Target participants Branch Managers / Field Officers / Other Officers in the Area Offices, Head Offices and Branches.
Objective By the end of the programme, the participants would be able to :-
Analyse the performance of the bank and deliberate on business strategies
Understand the Models of Transfer Price Mechanism for Br. profitability analysis
Acquire necessary knowledge and skill in appraisal of credit proposals and ensure qualitative lending
Understand and appreciate the need for stepping up recovery and NPA management strategies
Understand the nuances of maintaining good customer relationship and appreciate the need for marketing of bank's products
Learning events SWOT / Portfolio analysis and future strategies
Framework for Bank/Branch profitability analysis and TMP models
Business diversification and profit centre approach
Turn around strategies - learning from the past
Management of NPA and recovery strategy
Marketing of bank products & customer service
Action Planning
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 / case studies, preparation and presentation of field study reports.
Field Visit Half a day visit to good working DCCB
 
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Name of the Programme "EMERGING TRENDS IN BANKING"
Duration 3 days
Target clients RRBs/SCBs/DCCBs
Target participants Branch Managers / Field Officers / Other Officers in the Area Offices, Head Offices and Branches.
Objective By the end of the programme, the participants would be able to :-
Acquire uptodate knowledge about the new trends in the banking industry
Equip themselves to effectively face the tasks ahead in the light of new developments in Indian banking scenario
Develop capabilities towards marketing of tech savvy products and services to compete with other players.
Learning events Identification and discussion on issues - strategies for managing the change
Banking sector reforms, recent trends in banking, financial inclusion, emerging challenges,  KYC norms
GOI’s package for doubling of agri credit - dynamics of SME financing - strategies for increasing non fund based income - Bancassurance
Micro credit delivery innovations - JLGs/Farmers’ clubs - Banking correspondents and Business facilitators
Marketing of bank products - CRM
Core Banking Solution - RTGS - Cheque truncation - tele banking - anywhere banking, internet/ e banking, networking of ATMs
Product diversification in banks - Strategic alliances
Product and credit delivery innovations - Uase of technology for improving branch efficiency
Lenders liab ility - fair practices code - Banking codes and Standards Boiard of India - New Banking Ombudsman scheme
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 / case studies, preparation and presentation of field study reports.
Field Visit Half day visit to a computerised branch of CB.
 
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Name of the Programme "Working Capital Assessment and Balance Sheet analysis"
Duration 3 / 5  days
Target clients RRBs/SCBs/DCCBs
Target participants Branch Managers / Field Officers / Other Officers in the Area Offices, Head Offices and Branches.
Objective By the end of the programme, the participants would be able to :-
Realistic assessment of working capital required by SME units
Analysis of BEP, DSCR and other important financial ratios as tools for a financial decision
Analyse Balance sheet and profit and loss statement as a tool for offsite monitoring and performance assessment of the units financed
Ensuring quality lending and expansion of credit flow for SME sector
Learning events Issues related to working capital assessment, sanction and operations, financial statements of units financed - Group discussion
Financial Appraisal of SME units - Cashflow analysis, BEP with a case exericse
Working Capital assessment of an SME units - different methods including cash budget method for different types of activities - Manufacturing, services and trade
Financial statement analysis - different tools - Ratio analysis with case exercise
Documentation - legal aspects
Financing of medium enterprises - working capital assessment
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 / case studies, preparation and presentation of field study reports.
Field Visit Half day visit to two non-farm sector units.
 
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Name of the Programme "Customer Relationship Management"
Duration 3 days
Target clients RRBs/SCBs/DCCBs
Target participants Branch Managers / Field Officers / Other Officers in the Area Offices, Head Offices and Branches.
Objective By the end of the programme, the participants would be able to :-
strategise enhancing and strengthening customer base
relate banking sector reforms/emerging challenges with the changing expectations of customers
describe the importance of customer relationship
identify strategies for business development through credit delivery and product innovations
Learning events Customer related operational issues - Group discussion
Present banking scenario, emerging challenges and expectations of customer
KYC and Management game on customer relationship (mind joggers)
Marketing strategies for business development - Understanding and marketing new products and services - Developing product wise strategies
Customer relationship in banking business
Delivery innovations - Technical savy products - Universal banking and non-banking products
Presentation / Communication skills for marketing of bank products
Customer service - Customer Complaints and Redressal
Methodology Class room sessions include interactive lectures, supported by audio visual aids including computer aided presentations, experience sharing and group discussions supplemented by case exercises / case studies, preparation and presentation of field study reports.
Field Visit Half day visit to a computerised branch of CB.
 
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Name of the Programme FINANCING AGRO PROCESSING INVESTMENTS
Duration 4 DAYS
Target clients Commercial Banks/RRBs/Cooperative Banks
Target participants Branch Managers and Officers of Commercial Banks, Regional Rural Banks and Cooperatives
Objective After participation in the programme, the participants will be able to appreciate the need for financing the agro process units and acquire necessary skills for appraisal of proposals for such financing
Learning events Understand the concept of agro processing and the need for the same
Examine the policy environment in the country for the growth of the agro processing sector
Enumerate the various aspects of project appraisal
Describe the concept of Time value of money
Understand the concept of NPW, BCR and IRR
Describe the concept of working capital - Assessment by various methods nderstand the profitability analysis
Describe the concepts of Break even Point
Describe DSCR and draw repayment schedule
Demonstrate the above concepts through working of a case exercise on agro financing
List out the various techno -economic parameters - both on-farm and off-farm in reducing post harvest losses and producing value added products
Analyze the concept of Contract Farming and its advantages in quality processed products
Analyze the concept of Organic Farming and its advantages in value addition
Enumerate the interventions of various organizations - GOI, NABARD, NHB and APEDA
To understand the nitty gritty of financing agro processing proposal through a visit to a working agro processing unit and discussions with financing banker
Methodology Class room sessions include interactive lectures, supported by audio visual aids including computer aided presentations, experience sharing and group discussions supplemented by case exercises / case studies, preparation and presentation of field study reports.
Field Visit Field visit to processing unit and financing banker
 
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Name of the Programme FOREX & TREASURY BUSINESS
Duration 3 DAYS
Target clients REGIONAL RURAL BANKS
Target participants Officers and Managers who are posted/likely to be posted to branches which accept NRE/FCNR deposits
Objective After the training, the officers will :-
become familiar with the varied role of regulatory authorities like RBI, DGFT, FEDAI, ADs
get familiarised with SWIFT operations and Forex transactions of banks
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.
Learning events Introduction to Forex business in India, Role of regulatory authorities and role of RRBs as Forex Dealers
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
Methodology Class room sessions include interactive lectures, supported by audio visual aids including computer aided presentations, experience sharing and group discussions supplemented by case exercises / case studies.
Field Visit Visit to Commercial Bank Forex Branch and introduction to SWIFT operations & Forex Transactions (on line training)
 
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Name of the Programme REVITALISATION OF COOPERATIVES
Duration 3 DAYS
Target clients Cooperative Banks
Target participants Middle and junior level officers of SCBs and DCCBs
Objective After participation in the programme, the officers of SCBs/DCCBs will be able to respond to the changing banking scenario and calibrate their strategies towards sustainable viability
Learning events SWOT analysis of DCCBs - Factors contributing for sustainable viability of DCCBs- Group discussion & presentation
Funds Management - Concept and strategies to maximise returns and minimise idle cash - Avenues for increasing non-fund business
Leveraging Human resources for improved productivity - Motivation at work place.
Concept of profitability & Profit centre approach - Case study discussion and presentation.
Turn around strategies  - Business development / diversification - Discussion with a live case study
Customer Relationship Management - Publicity and image building - Role play
Risk & Recovery Management - Introduction to Basel II norms - Innovative recovery measures
Methodology Class room sessions include interactive lectures, supported by audio visual aids including computer aided presentations, experience sharing and group discussions supplemented by case exercises / case studies, preparation and presentation of field study reports.
Field Visit Half-a-day field visit to have interaction with the MD/Senior officials of South Canara DCCB
 
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Name of the Programme New Business Opportunities of RRBs in the Emerging Environment
Duration 3 DAYS
Target clients RRBs
Target participants Officers of Amalgamated and standalone RRBs
Objective After attending the training programme, the officers of RRBs will be able to respond to the emerging banking scenario, successfully explore the new business opportunities and diversify  their business portfolio to achieve sustainable viability.
Learning events Emerging trends in banking scenario - New developments relating to RRBs - Financial Inclusion
Financing Agriculture and Allied Sector - high tech and high value advances - Innovative activities
Financing MSME sector - Rating of proposals - CLISS - CGTFSE
Foreign Exchange Business and Management
Deposits Mobilisation and  Funds Management
Technology driven banking
Strategies for increasing non fund based income
Methodology Class room sessions include interactive lectures, supported by audio visual aids including computer aided presentations, experience sharing and group discussions supplemented by case exercises / case studies, preparation and presentation of field study reports.
Field Visit Half day field visit to typical commercial bank branches which are fully computerised with high volume of diversified business portfolio
 
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Name of the Programme Sectoral Programme on Financing Fisheries
Duration 3 DAYS
Target clients Commercial Banks, RRBs, Cooperative Banks
Target participants Officers of Commercial Banks, RRBs, Cooperative Banks, including SCARDBs
Objective At the end of the training programme, the participants will be able to describe the potentials for financing various aquaculture activities and also gain the skills and knowledge to prepare, and appraise aquaculture projects for bank finance.
Learning events Introduction, overview of status and scope for financing fishery    
Composite culture of Indian and Exotic carps and scampi
Hatchery production of fish seeds
Farming of non conventional varieties of acquatic forms
Financial appraisal of Inland fisheries
Coastal aquaculture; socio-legal and environmental isses in fisheries
Fish processing, value addition and marketing
Interventions from support agencies
Methodology Working out of the case exercise and preparation of project report etc. The summative assessment will be done by administering a questionnaire.
Field Visit Half a day field visit to a progressive farmers, preferably one who has availed of bank credit for fishery activity
 
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Name of the Programme ORIENTATION PROGRAMME FOR DIRECTORS OF REGIONAL RURAL BANKS
Duration 3 DAYS
Target clients Regional Rural Banks
Target participants Directors of Regional Rural Banks
Objective After attending the training programme the participants will be able to comprehend and appreciate the need for stepping up their involvement for the betterment of RRBs. 
Learning events Experience Sharing/Expectation
Banking scenerio, prospects and challenges for RRBs
RRB Act and role assigned to the Board
Strategies for business development and profit making- Concept of  DAP- Performance parameters
Change management
Funds and investment Management
Risk management - ALM
Motivational Leadership
Strengthening Internal Control Systems
Staff Service regulation -Disciplinary procedures
Interaction with Chairman of RRB
Methodology Class room sessions include interactive lectures, supported by audio visual aids including computer aided presentations, experience sharing and group discussions supplemented by case exercises / case studies, preparation and presentation of field study reports.
Field Visit No field visit proposed
 
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Name of the Programme Recovery Management with focus on SARFAESI Act, 2002
Duration 3 DAYS
Target clients Regional Rural Banks
Target participants Officers of Regional Rural Banks
Objective To enhance the knowledge and skills of participants in effective management of recovery and NPA for bringing about improvement in the working result of their branch/bank
Learning events Introduction to the programme - Need and relevance of the programme - ice breaking
Identification and discussion of issues relating to recovery, NPA Management, Sarfaesi Act, 2002
Importance and Implications of NPA and NPA Management
Sarfaesi Act, 2002 - Salient features and important provisions
KYC Norms and Borrower Appraisal
Strategies to be adopted for Suit filed/Decreed debts/DRT/Lok adalats
Recovery & Risk Management - Credit & Operational Risk Management
Facilitating recovery through credit counselling and borrower education
Methodology Class room sessions include interactive lectures
Field Visit None
 
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