Programs in Human Resources Management & · PDF filePrograms in Human Resources Management & Marketing ... CR 206 Effective NPA Management and Recovery ... Balance sheet analysis -

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Programs in Human Resources Management & Marketing

S.No Program Duration HRM 101 Program on Managerial Excellence 3 days HRM 102 Program for Effective Branch Management 4 days HRM 103 Planning for a new beginning 2 days HRM 104 Program on Managerial Excellence – for Women Branch Managers 4 days HRM 105 Program on SAP / HRMS 3 days


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Program on Managerial Excellence (HRM 101)

Duration: 3 days Target group: Branch Managers Objective: To enable participants to have an overall understanding of various facets of branch management for

optimizing performance Topical coverage:

1. Leadership & Motivation for a winning team 2. Decision Making & Delegation 3. Work-Life Balance 4. Art of handling customer complaints & grievances 5. Credit Management – Thrust areas 6. Credit Monitoring & NPA Management – The need 7. Cross-selling – Credit card, Gold Coin & Other Third party products 8. Techno Banking – Remittance, IT Products & ATM Issues 9. Preventive Vigilance 10. Integrated risk management 11. Latest in CBS 12. Identifying potentials for Growth 13. Business for Profitability 14. Internal controls through Reports & IS Security, MIS 15. BCSBI, RTI, Banking Ombudsman, Conflict of interest, Compliance & Official Language 16. Rectification of Inspection irregularities

Program for Effective Branch Management (HRM 102)

Duration: 4 days Target group: Assistant. Branch Managers Objective: To help the participants enhance their performance levels for effective branch business growth Topical coverage:

1. Mapping leadership competencies 2. Better customer service for higher profits 3. Effective utilization of MIS reports for Business promotion 4. ABM’s role in succession planning – Mentoring and grooming 5. Working together – Understanding others 6. Techno Banking – Remittance, IT Products & ATM Issues 7. Special features in ABM Module and Administration thereof 8. Delegation & Decision Making 9. Prevention of frauds under CBS environment / Preventive Vigilance 10. Group presentation on Business thrust areas 11. BCSBI,RTI Act / Compliance / Conflict of Interest & Official Language, KYC & AML 12. Cross-selling – Credit card, Gold Coin & Other Third party products 13. Rectification of inspection irregularities


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Planning for a new beginning (HRM 103) Duration: 2 days Target group: Officers superannuating from service Objective: To enable the Officers to prepare for a happy retired life Topical Coverage:

1. The beginning of a new life 2. Retirement Benefits 3. What next after retirement – Sharing by Participants 4. Investments planning and Wealth Management 5. How to minimize going to a Doctor ? 6. Techno banking and Social networking 7. Art of living a happy life through Yoga 8. Taking care of legal aspects – Making a will 9. Fitness mantra - Nutrition, health & Dietetics 10. Managing time effectively after retirement – Experiential sharing by guest

Program on Managerial Excellence – for Women Branch Managers (HRM 104)

Duration: 4 days Target group: Women Branch Managers Objective: To enable participants to have an overall understanding of various facets of branch management for

optimizing performance especially for women Branch Managers Topical coverage:

1. Accepting change in the competitive market driven economy 2. Effective vs. Efficient working for better results 3. Challenges in managing Home front and Office front 4. Breaking barriers and Building Bridges 5. How to form your winning team 6. Ethics, Etiquettes and Efficiency 7. Work-Life Balance 8. Art of handling customer complaints & grievances 9. Group presentation on Business thrust areas – Improving CASA, Increasing quality credit, NII & Reduction of

NPA 10. Cross-selling – Credit card, Gold Coin & Other Third party products 11. Effective utilization of MIS reports for Business Promotion 12. BCSBI, RTI, Banking Ombudsman, Conflict of interest, Compliance & Official Language 13. Aiming for retail business growth 14. Challenges & Opportunities - Experiential sharing by participants 15. Latest in CBS


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Program on SAP / HRMS (HRM 105) Duration: 3 days Target group: Officers in Administrative Offices Objective: To help the Officers to understand the features in SAP / HRMS and use the system in Administrative Offices Topical coverage: as decided by CO : HRM


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Programs in Credit and SME Financing

S.No Program Duration CR 201 Basics of Credit (Location specific & Southern Zones) 3 days CR 202 Credit Appraisal and Management for Branch Managers 6 days CR 203 Credit Management Program for CRMs 4 days CR 204 Lending Strategies and Asset Quality Management in SME Portfolio 6 days CR 205 Credit Management Program for Executives 2 days CR 206 Effective NPA Management and Recovery Strategies 4 days CR 207 Strategies to improve Retail Banking 4 days CR 208 Refresher Program for IDOs 3 days CR 209 Crash Credit Program (Zone specific) / Video Conferencing Channel 2 days


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Basics of Credit (CR 201) – Location specific / Southern Zones Duration : 3 Days Target Group: Probationary Officers / Promotee Officers / Credit Officers. Objective: To equip officers on basics of credit Topical coverage:

1. Loan policy and Credit Risk Management policy 2. Marketing of quality advances 3. Basics of Lending – Selection of Borrower 4. Fund Based Credit Facilities – Term Loan and Working Capital. 5. Non Fund Based facilities 6. MSME – Doctor Plus/Contractors/Ind SME Secure. 7. Agricultural Lending 8. Personal Loan Segment – Home Loan, Home Loan Plus, Vehicle Loan, Pension Loan, Clean Loan 9. Trade Finance 10. Documentation & Charge Creation 11. CBS – Loan Module

Credit Appraisal and Management for Branch Managers (CR 202)

Duration: 6 days Target Group: Branch Managers Objective: To equip the Branch Mangers the nuance in Credit Appraisal and Management Topical coverage:

1. Selection of Borrower 2. Analysis of Financial Statements / IFRS 3. Cash Flow and Fund Flow analysis 4. Motivation & Decision making 5. Ratio Analysis 6. Working Capital management 7. Term Loan appraisal 8. Non Fund Based Facilities 9. Financing Exports and Imports 10. Work Life Balance 11. Rating Model & CIBIL Reports 12. CMA Data format – Hands on 13. Documentation, Charge Creation 14. Rectification of inspection irregularities 15. Credit Monitoring through CRM reports, QIS statements, Pre release audit, Stock Audit and Legal Audit, MSOD 16. Rephasement, Restructuring and Rehabilitation 17. SARFAESI, DRT, Suit Filing and Lokadalat 18. Preventive Vigilance


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Credit Management Program for CRMs (CR 203)

Duration: 4 days

Target group: Credit Relationship Managers Objective: To equip the CRMs on various aspects of large corporate credit administration Topical coverage:

1. Loan Policy and Credit Risk Management policy of our bank

2. Lending strategies for large and mid corporate segments

3. An introduction to Accounting standards and IFRS

4. Latest in Financial Statements: Schedule VI changes, Funds Flow, Cash Flow, Ratio Analysis and CMA Format

5. Loan Syndication and Project finance

6. Appraisal and Assessment of Working Capital - Fund and Non fund based limits to Corporate

7. Consortium and multiple lending – Operational issues

8. Financing Exports and Imports - Various financing options including LC / Guarantees / ECB / FDI / ODI

9. Monitoring through CRM reports, MSOD and QIS statements

10. Pre release audit, Legal Audit and Stock audit

11. Rating Model & CIBIL Reports

12. Monitoring of high value advances and Management of NPAs

13. Documentation, Charge Creation, Rectification of inspection irregularities

14. Precautions & Safeguards in Suit / DRT / DRAT / SARFAESI

15. Restructuring and Rehabilitation of advances – CDR Mechanism.

16. Marketing of alternative delivery channels – CMS plus, Corporate internet banking, Visa business card Etc.

17. Managing corporate relationship

18. Preventive Vigilance


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Lending Strategies and Asset Quality Management in SME Portfolio (CR 204)

Duration : 6 Days Target Group: Credit Officers and BMs Objective: To equip branch managers & credit officers on various lending strategies & risk management in SME

financing Topical coverage:

1. Policy Framework for MSMEs - Challenges and opportunities 2. CGTMSE and Code of commitment 3. Understanding a SME Balance Sheet 4. Project Financing 5. Identifying the potential borrower and Management Appraisal Techniques 6. Understanding working capital assessment for SMEs 7. Prevention of sickness and timely restructuring/rehabilitation & CDR mechanism 8. SME lending in the Basel Regime 9. Risk rating of SME proposals – role of rating agencies and rating methodology 10. Enterprise wide risk management in SME sector 11. Relationship banking through customer care and support – interface with an successful entrepreneur 12. Supply Chain financing – innovative method of SME financing 13. FX in SME business 14. SME - specific export promotion and entrepreneurial development support 15. Understanding the need of SMEs in the changing environment – an interface with industry association 16. Field visits to SME clusters / Industrial estate 17. Institutional Support in SME Financing – SIDBI 18. Rating Model & CIBIL Reports 19. Cluster based approach for MSME development & financing 20. New business models for SME financing 21. BCSBI / RTI Act / Compliance / Conflict of Interest / KYC & AML 22. TUFS, CLCSS, Venture Capital, Factoring for MSME 23. Preventive Vigilance 24. Sensitivity Analysis


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Credit Management Program for Executives (CR 205) Duration: 2 days Target group: Officers In Charge of Large Corporate/Corporate branches & Credit Department in Charge of Zonal Offices (Scale IV & V) Objective: To sharpen the skills in Credit decision making and administration Topical coverage:

1. Loan Policy and Credit Risk Management Policy of our Bank 2. Finer points of financial statements for decision making 3. Appraisal Techniques 4. Sanction terms, documentation, and related legal issues 5. Building up a healthy Credit Portfolio through review, credit audit and rectifying inspection irregularities, Staff

accountability 6. Credit Monitoring tools 7. SMA & NPA management 8. Pricing and Credit rating of accounts / RAM rating of a live account from branches / CIBIL reports 9. Export/Import finance 10. Lending strategy for Corporate Credit – Why & How 11. CDR mechanism and rehabilitation 12. Enforcement of security interest under SARFAESI act 13. Negotiation skills and compromise settlement 14. Preventive Vigilance 15. Sensitivity Analysis

Effective NPA Management and Recovery Strategies (CR 206) Duration: 4 days Target group: BMs, ABMs and Officers looking after recovery, rehabilitation & monitoring in branches / Administrative Offices Objective: To enable the participants to practice asset quality management and various nuances of monitoring,

rehabilitation & recovery procedures Topical coverage:

1. IRAC Norms, Capital adequacy implications of NPAs and Basel Accord 2. Strategies for prevention of NPAs and SMA mechanism 3. Balance sheet analysis - tools for effective monitoring 4. Monitoring of SLPs 5. Restructuring / rephasement and up-gradation including CDR mechanism 6. Enforcement of recovery certificates issued by DRT- Issues related to suit filed a/cs 7. Recovery strategies under SARFAESI Act (Taking possession – selling process) 8. Recovery options through Non-legal measures (Compromise settlement ) 9. Negotiation skills and various Recovery strategies including Lok Adalats 10. Monitoring through QIS & MSOD 11. Unit inspection and Stock Audit 12. Documentation and Charge creation and rectification of inspection irregularities 13. Review and Renewal of accounts 14. Rating Model & CIBIL Reports 15. CBS application module: Loan module with specific emphasis on disbursement, rephasement, restructuring,

NPA module; NPA classification 16. BCSBI / RTI Act / Compliance / Conflict of Interest / KYC & AML 17. Preventive Vigilance


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Strategies to improve Retail Banking (CR 207)

Duration: 3 days Target Group: Officers of Branches & Administrative Offices Objective: To upgrade the Marketing and Appraisal skills of Officers in the changing retail market scenario Topical coverage:

1. Planning for profitability – Importance of CASA and Retail Loans – Comparative analysis 2. Mapping the branch segment and matching products 3. Marketing strategy & Selection of Borrower 4. Appraisal Techniques, – Processing to sanction of Personal segment loans - Home Loans , Vehicle Loans and

Educational Loans 5. Features of Tradewell scheme 6. Other Retail loan products 7. Marketing Credit Cards, Gold Coins and Insurance products 8. Rating Model & CIBIL Reports 9. Emerging opportunities in financing MSME sectors 10. Utility of Techno Banking Products 11. Customer Care with special focus on Gen-Next and NRI customers 12. Nuances of Retail Credit Monitoring 13. BCSBI / RTI Act / Compliance / Conflict of Interest / KYC & AML


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Refresher Program for IDOs (CR 208) Duration: 3 days Target Group: Industrial Development Officers from Branches & Zonal Offices Objective: To update the knowledge and skill of IDOs Topical coverage: 1. Loan Policy and Credit Risk Management Policy of our Bank 2. Analysis of Corporate financial statements and CMA format 3. Analysis of various types industrial projects – Large Corporate and SME (Appraisal/potential/challenges/Risks) 4. Assessment of comprehensive credit limits for Industries – Working capital, Term Loan, NFB 5 Restructuring and Rehabilitation of Industrial advances 6. Marketing of high value corporate advances 7. Technological feasibility of various industrial projects – field level experts view 8. Export/Import Finance 9. Rating Model & CIBIL Reports 10. CBS related issues in credit management 11. Motivation & Team building 12. Preventive Vigilance

Crash Credit Program (CR 209) – (Zone Specific) / Video Conferencing Channel Duration: 3days Target Group: Credit Desk Officers of Branches & Administrative Offices Objective: To equip the participants with credit appraisal , monitoring and marketing skills for improving retail loans with focus on Trade Finance, MSME and SLPs Topical Coverage :

1. Analysis of Financial Statements 2. Working Capital Assessment for Trade Finance & SME Finance 3. Appraisal and Assessment of Loan proposals 4. Term Loan Appraisal 5. Lending Strategies for Home Loan, Vehicle Loan, Jewel Loan, Doctor Plus, IB Contractor, Educational Loan,

IBKC 6. Documentation & Charge Creation 7. Preventive Vigilance

(Topical coverage is subject to change depending on Zone specific training requirement)


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Rural Credit

Sl. No Program Duration RU 301 Emerging Business Opportunities in Rural / Semi-urban Branches 6 days RU 302 Financing Agricultural Projects 6 days RU 303 Strategies for Business Enhancement of Microsate Branches 3 days RU 304 Mentoring new RDOs – Workshop for controlling office RDOs 2 days RU 305 Financial Inclusion – Marching towards Inclusive Growth Banking 2 days RU 306 Workshop for Lead District Managers and District Coordinators of Non-Lead

Districts 2 days


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Emerging Business Opportunities in Rural / Semi-urban Branches (RU 301) Duration: 6 Days Target Group: Branch Managers of Rural and Semi Urban branches Objective: To equip the Branch Managers of rural and semi urban branches with various managerial skills for business development through rural banking facilities Topical coverage:

1. Business Thrust Areas & Corporate expectations 2. Emerging opportunities in Rural Infrastructure finance 3. Identifying the potential borrowers and appraisal techniques 4. Augmenting Jewel loan portfolio under Agriculture / Retail Trade / Non Priority – procedural norms /

precautionary measures 5. Marketing strategies for rural and semi urban branches 6. Guidelines on Priority Sector / Government sponsored Schemes / Weaker Sections / Minority community /

Importance of Lending to DRI 7. Financing JLGs - tenant farmers / share cropper /oral lessees / landless labourers 8. Financing Micro and Small Enterprises 9. Financing Production credit –KCC / Produce Marketing loans – interest subvention scheme 10. Correction of Data in CISLA & Subsidy Processing 11. Rural Insurance –NAIS,WBCIS,PAIS Products 12. Lending Opportunities in Trade Finance – Rural specific 13. Documentation, Charge creation 14. Rectification of Inspection irregularities 15. Financial inclusion & Business Correspondent Model 16. Micro-flex and Micro Insurance 17. Monitoring of advances through CBS –SMA/NPA/ARC reports, & utilizing other reports generated in CBS 18. Restructuring of agriculture loans, organizing Lok Adalat and NPA recovery 19. Remittance & other IT products as tools for business development 20. BCSBI / RTI Act / Compliance / Conflict of Interest / OL / KYC & AML 21. Rating Models & CIBIL Reports 22. Work-Life Balance 23. Conducting awareness campaigns/training programmes utilizing FLCCs/INDSETIs


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Financing Agricultural Projects ( RU 302) Duration : 6 Days Target Group: Rural Development Officers & Branch Managers of Agriculture Credit Intensive Branches. Objective : To enable the participants understand & prepare agriculture projects for business Development Topical coverage :

1. Emerging High value Agri business opportunities 2. Techno economic parameters & technical feasibility in Dairy, Poultry, Sheep & Goat rearing, Land

development, Minor irrigation, Horticulture and plantation crops, Tissue culture, Farm mechanization etc., 3. Understanding a Balance sheet 4. Appraisal technique for Term loans 5. Farm Investment Analysis, Funds Flow Analysis, Farm Income Analysis, Discounting Cash Flow, NPW, BC

Ratio, IRR and Sensitivity Analysis. 6. Assessing Working capital requirement in rural projects (Agro processing, Cold storage, Rice mill, Sugar mill

etc) 7. Preparation of area based projects 8. Pre-Harvest & Post-Harvest Financing 9. Rating of agriculture projects 10. New Policy guidelines on Lending to NBFC/NGOs / MFIs – Financial appraisal and SWOT analysis for risk

management 11. Crop / Weather Insurance products 12. Financing High Tech agriculture, Post harvest processing & Cold chain projects 13. Supply Chain finance to agricultural retail chains – farm to fork 14. Risk Management in High value Agriculture Project lending. 15. Financing Rural Godowns & Agri processing projects. 16. NABARD Models on Bankable High value Agriculture projects. 17. Public Private Partnership - contract farming 18. CBS application - Term Loan Module and Subsidy Processing 19. Field visit to Agri projects


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Strategies for Business Enhancement of Microsate Branches (RU 303)

Duration : 3 days Target Group: All Branch Managers/Officers of Microsate branches Objective : To enable the participants optimize the performance of Microsate branches and improve their profitability Topical coverage :

1. Corporate expectation in Business Growth of Microsate Branches 2. Microsate Branch as a Profit Centre 3. Financing MFIs / NGOs / NBFCs – Latest Guidelines 4. Risk rating & rating methodology for SHGs and MFIs / NGOs / NBFCs 5. Financing Micro Enterprises through Micro Finance 6. Financing tenant farmers/share cropper/oral lessees/landless labourers through Joint Liability Groups 7. Monitoring the progress in Financial Inclusion 8. Risk identification & Mitigation in micro finance 9. Cross selling of other SLPs, micro insurance products and alternate delivery channels 10. Interface with reputed MFIs / NBFC executives 11. BCSBI / RTI Act / Compliance / Conflict of Interest/OL / KYC & AML 12. Issues in SHG lending and Solutions to overcome them – Group discussion 13. Quality Asset Management in SHG portfolio-strategies. 14. Organizing Training Programme/Exposer visits on SHG lending-utilizing INDSETIs 15. Documenting Success stories in SHG lending

Mentoring new RDOs – Workshop for Controlling office RDOs (RU 304)

Duration : 2 days Target Group: Senior RDOs working in Zonal Offices who will be functioning as Mentors for newly recruited RDOs Objective: To guide the new RDOs in identifying and implementing Zone/area specific potential agricultural projects Topical coverage :

1. Corporate Expectation & Latest guidelines in Rural Financing 2. Role of a Mentor 3. To map agricultural potential in the area/Zone 4. Our exposure at present Vs Potential identified 5. Exposure of other Banks 6. Strategies to exploit the potential 7. Monitoring and Review of performance of RDOs 8. Review of their performance by CO: RBD


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Financial Inclusion – Marching towards Inclusive Growth & Banking (RU 305) Duration : 2 days Target Group: Branch Managers/Officers of rural branch & desk officers of Zonal Office Objective : To create awareness among the field level functionaries the importance and Government guidelines on Financial Inclusion Topical coverage :

1. Challenges & Opportunities in Financial Inclusion 2. Financial Inclusion – Basic Savings Bank Deposit Accounts, SB OD, GCC, Variable RD, Other operational

guidelines 3. One family – One account 4. Urban Financial Inclusion – Opening of accounts for migrant labourers / Street vendors etc. 5. Organizing awareness campaign and Financial Literacy initiatives in FI villages 6. Need for operation of FI accounts / Monitoring the performance of Field BCs including Cash

Management 7. Ultra Small Branch 8. Introduction of Direct Benefit Transfer, Aadhaar number and its seeding into SB accounts, Payment

under Social Security schemes – Payment of Old Age Pension, MGNREGA, Other Grants, etc. 9. Do’s and Don’ts in ICT enabled BC Model 10. Effective Utilization of BC / BF model for Business Growth 11. IT enabled solutions for financial inclusion like, Banking Service Centres (Rural KIOSK), Mobile Van concept,

ATMs with biometric scanners, Smart Cards etc. a) Technology in implementation of Financial Inclusion – ICT based Smart Card enabled BC Model b) SHG Linkage – Effective tool for Financial Inclusion

Workshop for Lead District Managers and District Coordinators of Non-Lead Districts (RU 306) Duration : 2 days Target Group: Lead District Managers and District Co ordinators of select Non-Lead Districts Objective : To discuss the role and responsibilities of Lead District Managers and District coordinators in the changing environment Topical coverage To be designed by CO RBD


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Risk Management

S.No Program Duration RM 401 Risk Mitigation and Capital Optimization 3 days RM 402 Emerging Challenges in Basel Regime 3 days RM 403 Workshop on RAM Rating 1 day


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Risk Mitigation and Capital Optimization (RM 401) Duration: 3 days Target group: Senior level Branch Managers, Officers in charge of risk management dept. at ZOs / Administrative offices

Objective: To provide a comprehensive view of various risks in banks with focus on effective utilization of capital by giving calculations on capital charge for branch operations. Topical coverage:

1. Overview of risk management, Basel - III & RBI Guidelines 2. Credit Risk Management Policy - Exposure limits 3. Operational Risk Management Policy 4. Preventive Vigilance 5. Internal Capital Adequacy process 6. Stress Testing & Back Testing 7. FIU-IND,KYC & AML , Whistle Blower Policy 8. Computation of Risk Components 9. Interest Rate Risk 10. ALM & Liquidity Risk Management 11. Market Risk Management 12. Risk Based Internal Audit 13. Risk management in CBS environment 14. Technology risk & ISS policy 15. Balance Sheet and Ratio analysis 16. Work life balance

Emerging Challenges in Basel Regime (RM 402)

Duration : 3 days Target Group: ABMs and front line Officers of the branches Objective: To provide comprehensive view of the various aspects of Operational Risk Management Topical Coverage:

1. Overview of Risk Management Policy 2. Operational Risk Management policy 3. Approaches of Capital Risk Capital calculation – BIA to AMA 4. Preventive Vigilance, Fraud Risk Management Policy & Whistle Blower Policy 5. Capturing of Loss Events & Reporting 6. Rating Models & CIBIL Reports 7. RBIA, ICAAP, IS Audit & Internal controls 8. KYC & PAML 9. Compliance Risk Management

Workshop on RAM Rating (RM 403)

Duration: 1 day Target group: Officers of Chennai (North), Chennai (South) & Kancheepuram Zones Objective: To provide comprehensive view of the various aspects of RAM Rating of loan accounts Topical Coverage :

Will be decided by Corporate Office : Risk Management Department


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International Banking

S.No Program Duration FX 501 Introductory Program to FX Business 4 days

FX 502 Advance program on Foreign Exchange Business for Authorized Branches

6 days

FX 503 FEDAI Workshop 6 days FX 504 Program on FX Bourse 9 days


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Introductory Program to FX Business ( FX 501) Duration: 4 days

Target Group: All officers Objectives: To familiarize the officers about basics of foreign exchange transactions

Topical Coverage:

1. Accounts and facilities for NRIs, PIOs and Foreigners including Loans 2. International Trade , Convertibility of Rupees, BOT BOP Mechanism – Foreign Trade Policy 3. Role of RBI, DGFT. FEDAI, Customs, ICC and other regulatory organizations 4. EXIM Policy and various types of financing 5. Collection of Foreign Introduction to Forex Business and Overview of Global Forex Market. 6. Flow of Foreign Currency, Inward & Outward remittances, RBI Regulations and FCRA. 7. Types of Bills and Instruments, Negotiation, Purchasing and Discounting 8. Encashment of Foreign Traveller’s Cheques and Currency Notes 9. Letters of Credit, Various transactions under LC, Guarantees & Provisions of UCP 600 10. Importance of returns in FX – R Returns, XOS, BEF and SOFTEX 11. ECGC Policies and Guarantees 12. Marine Insurance. 13. Remittances through Express Money / Money Gram / Western Union 14. Exchange Rate Mechanism and Forward Contracts 15. FEMA Provisions with respect to Trade Finance 16. Forex Risk Management – Hedging Instruments 17. CBS and EXIM Bills for Foreign Exchange Transactions


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Advance program on Foreign Exchange Business for Authorized Branches (FX 502) Duration: 6 days Target Group: Officers who are working in FOREX Authorized Branches. Objectives: To familiarize the Officers at Authorized branches to handle Foreign Exchange business effectively. Topical Coverage:

1. Overview of Foreign Exchange Business. 2. Latest Guidelines on NRI accounts and Remittances 3. Foreign Exchange Regulatory Framework – FEMA Provisions. 4. Understanding Current account and Capital account transactions. 5. Methods and Modes of payments & Settlements in International Transactions 6. EXIM Policy 2009-14. 7. Export & Import Finance 8. Buyer’s Credit and Suppliers Credit 9. External Commercial Borrowings, Lines of Credit, 10. PC/FCPL/FCL 11. Types of LCs, Scrutiny, Re imbursement, Documentation, ISBP & UCP 600 12. URC 522 and URR 13. INCOTERMS 14. SWIFT – MT Series 15. ECGC Policies and Guarantees 16. KYC and Anti Money Laundering in FX operations 17. Guarantees & Counter Guarantees, Stand by LC 18. Operational features in EXIM Bills with regard to Forex Transactions. 19. Exchange Rate Mechanism, Forward Contracts – Booking, utilization, rolling over, early/late delivery. 20. ECGC Guarantees and Policies. 21. Compilation of R-returns, BEF and XOS etc 22. Marine Insurance. 23. Encashment of Traveler’s Cheques and Currency Notes. 24. FX Risk Management – Hedging Instruments.


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FEDAI Workshop ( FX 503) Duration: 6 days Target Group: Front line officers / second line in FOREX AD branches Objectives: To familiarize export/ import finance / remittance regulations through the auspices of FEDAI and RBI for

provision of all round FOREX procedures and the extant guidelines under FEMA and other regulations. Topical Coverage:

1. Overview of Forex Business in India: Role of Ministry of Commerce, Ministry of Finance and RBI. 2. Foreign Trade Policy 2009-14, Customs formalities for Imports/Exports. 3. Foreign Exchange Regulatory Framework – FEMA Provisions 4. Important provisions of FEMA on Imports and Outward remittances. 5. Provisions of FEMA on Exports and Inward remittances. 6. International Trade , Convertibility of Rupees, BOT BOP Mechanism 7. KYC/AML in Forex Transactions 8. LC mechanism, parties and Important Types. 9. Important provisions of UCP 600/ISBP 681, Standby LCs and ISP-1998 & URC – 522. 10. Export finance (Merchandise and Services). 11. Pre/Post Shipment in Rupees and Foreign Currency. 12. ECBs and FCNR (B) Loans. 13. ECGC Policies and Guarantees and Claim procedures. 14. Marine Insurance in International Trade. 15. Forex remittances and accounts facilities available to Resident Indians and NRIs. 16. SWIFT and Forex Operations. 17. Important returns in FX: R Returns, XOS,BEF, NRD-CSR. 18. Encashment of FTCs and Currency Notes. 19. Exchange Rate mechanism. 20. Types and Risk Management in Forex with introduction to Derivatives and Rules of FEDAI.


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Program on FX Bourse (FX 504) Duration: 9 days Target Group: Officers with knowledge of FX transactions Objectives: To train the inter bank and corporate dealers in Integrated Treasury Operations (FX and Money Market operations) Topical Coverage:

1. Overview of Forex Business in India: Role of Ministry of Commerce, Ministry of Finance and RBI. 2. FX Market. 3. Trade Cash Flows & Accounting. 4. Exchange Rate Arithmetic 5. Trend Analysis/Technical Analysis 6. Two way quotes 7. Operational issues in Forward Contracts 8. Forward rate arithmetic 9. Non spot outright rates 10. Non spot outright rates for cross rates 11. Interbank and Cover Operations 12. Exercises on cover commercial transactions 13. FX Swap Applications 14. Exercises on FX Swap Applications 15. Forward to Forward Swaps 16. Comprehensive Review 17. Market Conventions and Dealers Vocabulary 18. Trending of Two way Quotes 19. Regulations. 20. Overview of Money Market and G-sec Market 21. Money market and G-sec trading – integrated treasury opportunities 22. Curtain Raiser on FX Bourse 23. Integrated Treasury Management 24. Derivatives – Currency Futures, Currency Options and Interest Rate Swaps 25. RBI operations in financial market 26. FX – Risk Management and hedging instruments 27. Settlement of domestic financial transactions and forex transactions by CCIL 28. Stimulated dealing in money and GSEC markets.


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General Banking Programs

S.No Program Duration GB 601 Vertical Career Progression Program 3 days

GB 602 Induction Training Program for Probationary Officers/Specialist Officers 10 days GB 603 Induction Program for Promotee Officers 6 days GB 604 Orientation Program for identified / first time Branch Managers 6 days GB 605 Functional Hindi Program for Officers 1 day GB 606 Executive Development Program for CMs / AGMs 2 days GB 607 Program for Disciplinary Authorities 2 days GB 608 Program for inquiring Authority / Presenting Officers 3 days GB 609 Program for Vigilance Officers 3 days GB 610 Program for Security Officers 4 days GB 611 Program for Office Bearers of recognized Unions / Associations 1 day GB 612 Program for Officers of Currency Chests 2 days GB 613 Refresher Program for Probationary Officers / RDO’s 4 days GB 614 Program for Inspectors 6 days GB 615 Main Stream Banking for Specialist Officers 6 days


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Vertical Career Progression Program (GB 601) Duration: 3 days Target group: Officers who have residual service in the bank for more than 5 years Objective: To groom Officers for succession planning Topical coverage:

1. Banking – Future Vision – Positioning of our Bank 2. Identify oneself with Organizational goals 3. Career Planning & Career Grooming 4. Motivation – An effective tool for Team Work 5. Personality Development 6. Facing change and challenges in career progression 7. Role of technology in career building 8. The making of a Leader 9. Market yourself for business growth 10. Performing Together 11. Etiquettes, efficiency and excellence


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Induction Training Program for Probationary Officers/Specialist Officers (GB 602) Duration: 10 days Target group: Newly recruited Probationary Officers / Specialist Officers Objective: To equip the newly recruited Probationary Officers in various aspects of Branch Banking Topical Coverage:

1. Know Your Bank & Banking related Acts ( NI Act, RBI Act, BR Act etc) 2. Low cost deposits (Current Account & Savings Bank Account) 3. Banker - Customer Relationship, KYC & Types of Customers 4. Communication and Business Etiquette 5. Introduction to Financial Accounting 6. Deposit Products for NRIs 7. Basics of lending 8. Interpersonal Relationship 9. Remittance Schemes – For residents and non- residents 10. Welcoming Professional Change 11. Term Deposit Products 12. Leadership Skills 13. Working in a Team 14. Caring our Clients 15. Different types of credit facilities for customers 16. Ancillary Services 17. Priority Sector Lending – Concepts & Classification 18. Cross selling of third party products 19. Addressing the Participants by Executives at Corporate Office 20. Structured Loan Products – Agriculture & SME Segment 21. Structured Loan Products - Personal Segment 22. Indian Bank Officers Service Regulations & Career Path, Features of New Pension Scheme 23. CBS Concepts, User Creation, Maker Checker Concepts, Queue, Authorization/Decline etc. 24. CIF –Personal Customer, Opening of SB Account, SMS alert 25. CIF – Non Personal Customer – Opening of Current Account., Account Relationship 26. Opening of Joint Account, Modifying CIF, Home Branch, Account type, Delivery Channels 27. Opening and Closing of Term Deposits, Roll Over, TDS 28. Standing Order, Stop Payment , Hold, Lien, Batch Concept 29. CC/OD opening, Disbursal/Security/Insurance 30. Loan – (JL, LOD) - opening 31. Delivery Channels, KESDEE e-learning and Data Mining through Help Desk 32. Remittance Module – DD,RTGS,NEFT , 33. C 2 C Transactions, CGL, BGL Concepts, GLIFF


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Induction Program for Promotee Officers (GB 603) Duration: 6 days Target Group: Promotee Officers Objective: To make the promotee officers familiarize with their role as officers and enhancing their efficiency in

competitive banking Topical Coverage:

1. Corporate expectations, goals and Profit Planning 2. Managing the challenge of change 3. Business Communication & Etiquette 4. Build your own winning team 5. Jewel Loans for Agriculture / Retail Trade / Non-priority appraisal and auctioning procedure 6. Marketing of retail banking products, alternate delivery channels 7. Structured Loan Products – Agriculture & SME Segment 8. Structured Loan Products - Personal Segment 9. Selection of Borrowers and Principles of Lending 10. Priority sector lending / Government sponsored schemes 11. KYC & AML & Whistle Blower Policy 12. Caring our Clients 13. Officers' Service Regulations 14. Preventive Vigilance 15. Bankers Code of commitment to customers / Right to information Act /Compliance / Official Language 16. CBS – Latest in Deposits and Loan modules 17. CBS - Contingent Accounts and EXIM BILLS, Scrutiny of reports, IS Security 18. Help-desk / Data Mining and e-learning 19. Utility of Techno Banking products & Operational issues 20. Latest in Financial Inclusion and SHG financing Guidelines 21. Career Planning – What , When and How 22. Introduction to FX & NRI products


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Orientation Program for identified / first time Branch Managers (GB 604) Duration: 6 days Target group: Newly posted BMs & potential Officers identified to take Branch Manager ship Objective: To enable participants to have an overall understanding of various facets of branch management

for optimizing performance Topical Coverage:

1. Leader in the making – Re-engineering towards change 2. Branch - a Profit Center 3. Dream to succeed – Interaction with successful Branch Managers 4. Selection of Borrower 5. Romancing with the Balance Sheet 6. Retail business growth – Carving a Market 7. Analysis & Interpretation of ratios using Excel applications 8. Effective Decision Making & Delegation 9. Effective monitoring of Branch Operations through system generated reports 10. Art of handling customer complaints & grievances with special reference to BCSBI, RTI 11. Marketing of Delivery channels & IT Products 12. Understanding Working Capital Assessment 13. Preparation & Processing of loan proposal – Case study 14. KYC & Préventive Vigilance in CBS Environment 15. Term loan appraisal 16. IRAC norms, Credit Monitoring & NPA Management 17. Work Life Balance – Managing Time 18. Documentation, Charge creation 19. Rrectification of inspection irregularities 20. Working together – Building your Team 21. Marketing – Credit Cards, Gold Coin & Insurance products 22. application of creative problem solving 23. Group presentation on Business thrust areas 24. Using MIS for internal control & Business Promotion

Functional Hindi Program for Officers (GB 605)

Duration: 1 day

Target Group: Officers at the administrative offices in Chennai, HO and Chennai Zone and Very Large Branches Objective: To familiarize the Officers in the functional knowledge of Hindi and its application in day to day functioning Topical Coverage:

1. OL Act, Rules and Annual Program 2. Banking Terminology 3. Hindi Typing, Unicode and Internal work in Hindi 4. Hindi Grammar 5. Hindi Correspondence


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Executive Development Program for CMs / AGMs (GB 606) Duration: 2 days Target Group: Recently promoted CMs / AGMs Objective: To familiarize the participants with the latest challenges in the Financial sectors set goals, nurture

leadership talents for executive excellence Topical coverage:

1. Leadership qualities for Corporate Excellence 2. Latest developments in IT and Products 3. Team Building 4. Corporate Governance / Vision and Mission 5. Negotiation Skills 6. Six Thinking Hats – Power of parallel thinking 7. Stress Management – Exercise / Cases 8. Time Management 9. Decision Making Skills– Case analysis 10. Prevention is better than cure – Preventing frauds 11. Coaching , Counseling, delegating and mentoring 12. Nurturing talent – Giving elbow room for young aspirants 13. Analytical skills and Data Interpretation 14. Developing Corporate Culture 15. Executive wellness – Work Life Balance 16. Breaking barriers and Building Bridges – An interaction

Program for Disciplinary Authorities (GB 607) - 2 days Program for Inquiring Authority / Presenting Officers (GB 608) – 3 days

Program for Vigilance Officers (GB 609) – 3 days

Target Group and Course coverage – will be decided by CO:Vigilance

Program for Security Officers (GB 610) – 4 days

Target Group and Course coverage – will be decided by CSO.

Program for Office bearers of recognized Unions/Associations (GB 611) – 1 day Target Group and Course coverage – will be decided by CO: HRM

Program for Officers of Currency Chests (GB 612)

Duration: 2 days Target group: Officers in charge / Officers working in the Currency Chests Objective:To equip the Officers working in the Currency Chests with knowledge on various operational aspects of Currency chests. Topical Coverage: To be decided by Corporate Office: CGT


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Refresher Program for Probationary Officers / RDO’s (GB 613) Duration: 4 days

Target group: Probationary Officers / RDO’s

Objective: To equip the probationary officers with basics of lending & credit management Topical Coverage:

1. Bank’s Performance – Robust growth in quality credit – Corporate Goal 2. Selection of borrower & Management Appraisal 3. Priority Sector Lending - SME 4. Structured Loan Products – Features & need for marketing 5. Analysis of Balance Sheet, Ratio Analysis, Cash Flow and Fund Flow analysis 6. Understanding working capital concept 7. Term Loan Appraisal 8. Priority Sector Lending – Agriculture 9. Basics of Non Fund Based Credit Facilities 10. CBS–Deposit and remittance modules – Hands on – Alternate Delivery Channels 11. Rating Models & CIBIL Reports 12. CBS – Loans module – Hands on and various reports 13. Documentation and Charge creation 14. Credit Monitoring – Why & How?


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Program for Inspectors (GB 614)

Duration: 6 days Target group: Officers working in Inspection Centres & Departments Objective: To provide a comprehensive view of various changes that took place in the recent past and emerging issues. Topical Coverage:

1. Emerging trends in Inspection & Corporate expectations – Corporate Governance 2. New Model Audit Policy and its implementation 3. Role of Inspectors & Corporate Expectations 4. Appraisal skill for TL, WC, and NFB facilities – study of financial statements 5. Monitoring of Large Borrowal accounts – QIS – Pre-release credit / legal audit 6. Large Borrowal Accounts , Stock Audit / AFI / LFAR observations & compliance 7. Trend analysis and generation of scenarios to trigger detection of fraud 8. Forensic audit 9. Offsite Monitoring 10. Handling of FOREX related transaction – FEMA / FEDAI 11. Structured Loan Products – Retail Lending 12. Lending under Priority sector – Agricultural Lending 13. Lending under Priority Sector – SME Lending 14. Risk concepts – Operational Risk & Internal Control Risk 15. Risk Based Internal Audit – Rating charts – Modified format Discussion 16. Effective utilization of CBS for RBIA 17. Rectification of irregularities – importance of spot rectification. Steps to be taken for improved rating 18. Essentials of IS Audit (including ATM audit) – Systems & Controls 19. Security Creation – Legal aspects & Implications 20. Whistle Blower Policy – Early Warning Signals 21. Study of early warning signals – credit & other areas – Misappropriation & Fruads 22. Investigation of frauds / gross irregularities 23. Documentation and EM creation 24. KYC / AML compliances


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Main stream banking for Specialist Officers (GB 615)

Duration: 6 days Target group: All types of Specialist Officers and Officers working in specialized departments (those who are away from the branch banking and involved in back office functions like Service Branch, CPPC, CDPC, TMD, Project Office Objective: To equip the specialist officers in various aspects of Branch Banking Topical Coverage:

1. Know Your Bank & Banking related Acts ( NI Act, RBI Act, BR Act etc) 2. Low cost deposits (Current Account & Savings Bank Account) 3. Banker - Customer Relationship, KYC & Types of Customers 4. Introduction to Financial Accounting 5. Deposit Products 6. Basics of lending 7. Profitability Parameters 8. Selection of Borrower 9. Strategy to improve Retail Business 10. Art of handling customer complaints & grievances with special reference to BCSBI, RTI 11. Documentation, Charge creation & rectification of inspection irregularities 12. Remittance Schemes - For residents and non- residents 13. Work Life Balance 14. Different types of credit facilities for customers 15. Priority Sector Lending - Concepts & Classification 16. Cross selling of third party products 17. Structured Loan Products 18. IRAC norms, Credit Monitoring & NPA Management 19. CBS Concepts, User Creation, Maker Checker Concepts, Queue, Authorization/Decline etc. 20. CIF, Opening of SB Account, Current Account, SMS alert 21. Opening of Joint Account, Modifying CIF, Home Branch, Account type, Delivery Channels 22. Opening and Closing of Term Deposits, Roll Over, TDS 23. Standing Order, Stop Payment , Hold, Lien, Batch Concept 24. CC/OD opening, Disbursal/Security/Insurance 25. Loan - (JL, LOD) - opening 26. Delivery Channels, KESDEE e-learning 27. Remittance Module - DD,RTGS,NEFT , 28. C 2 C Transactions, CGL, BGL Concepts, GLIFF


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Information Technology

S.No Program Duration

IT 701 Advance related issues in CBS 3 days IT 702 Program for Help Desk Officers 3 days IT 703 WEB based applications 3 days IT 704 IT Management in CBS for BMs and ABMs 3 days IT 705 Alternate Delivery Channel 3 days IT 706 Program on Cheque Truncation System for Service Branch / Hub Branch 3 days IT 707 IS Security for Internal Controls 3 days


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Advance related issues in CBS (IT 701) Duration: 3 days Target group: Officers looking after Loans and advances from Branches Objective: To enhance the job role for quality advance portfolio and business growth. Topical coverage:

1. Updates in OD/OCC module & Loans module 2. Enabling of Subsidy processing under T/L & OD/CC 3. Work flow in SMA,NPA Module 4. Interest calculation in CBS- check points 5. Rating Model & CIBIL Reports 6. Operational issues in Delivery channels, IT products 7. IS Security, Preventive Vigilance 8. EXIM BILLS –Guarantee/LC Module 9. Basics of Networking

Program for Help Desk Officers (IT 702)

Duration: 3 days Target group: Officers looking after the system in Administrative Offices and Very Large branches Objective: To enhance the job role capabilities of Help Desk Officers for effective quality data maintenance for business growth Topical coverage:

1. User administration in CBS 2. Network & System administration - an Overview 3. Configuring peripherals like printers and scanners demonstration 4. HELPDESK / Mining of information 5. Importance of Patches and updation of the Branch Server 6. Escalation procedure / IP Messaging 7. Back Office Reports and controls 8. ATM Maintenance & Operational Issues relating to ATM cards 9. Quality Data – maintenance / updation thereof , Importance of MIS 10. Various query facilities available for ABMs/ BMs 11. Effective / Secured Front Office Management 12. Front Office Reports, scrutiny & implications 13. Security / Special features in ABMs module & Administration thereof 14. IS Security/ Preventive Vigilance 15. e-TDS


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WEB based applications (IT 703) Duration: 3 days Target Group: Officers presently handling bills, Non fund based business, payroll, pension, Govt transactions Objective: To familiarize the participants with web based applications relating to EXIM Bills, Payroll & Pension Topical Coverage:

1. Overview of Exim bills – user administration 2. Managing Contingent accounts in BANCS & EXIM BILLS 3. Guarantee module in EXIM BILLS 4. Overview of LC module 5. Perusal of reports related to EXIM Bills. 6. Centralized Payroll 7. Centralized Pension 8. IS Security and Preventive Vigilance 9. Cheque Truncation System 10. Basics of Networking

IT Management in CBS for BMs & ABMs (IT 704) Duration: 3 days Target group: Branch Managers and ABMs of Branches.. Objective : To enable the BMs & ABMs to develop skills relating to Internal Control and Supervision under CBS

environment. Topical coverage:

1. An overview of CBS environment. 2. Role of BMs and ABMs under CBS environment. 3. Back end reports and how to use them effectively 4. IS Security & Preventive Vigilance. 5. Deposit & loan module with subsidy processing 6. SMA,NPA Module 7. Interest calculation in CBS 8. Operational issues in Delivery channels and Technology products 9. Rating Models & CIBIL Reports 10. ATM operations 11. Stress Management 12. Basics of Networking 13. e-TDS


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Alternate Delivery Channel (IT 705) Duration: 3 days Target group: All Officers Objective : To familiarize the participants the usage of IT Products and to market Topical coverage:

1. Profitability in Alternate Delivery Channels 2. RM Module Operations 3. Features of Net Banking 4. Utility Payments 5. Features of Mobile Banking 6. Interbank Mobile Payment Service 7. WAP (Wireless Access Protocol) based Mobile Banking 8. IS Security and Preventive vigilance 9. Remittance facilities (RTGS / NEFT), Money gram, Xpress Money, Western Union 10. ATM Operations 11. Interpersonal relationship 12. Basics of Networking

Program on Cheque Truncation System (IT 706) Duration: 3 days Target group: Officials working / identified to be posted in Service Branch /Hub branch Objective : Help the participants to understand the nuances of Cheque Truncation System. Topical coverage:

1. Introduction to Cheque Truncation System 2. Image specifications in CTS 3. Electronic Clearing System 4. Technology Banking 5. Adjustment of Books in Service Branch 6. Latest Updates 7. Job role of Link/Hub branches 8. Role of Service Branch 9. Responsibility of the Presenting Bank 10. CTS – Inward Clearing 11. CTS – Outward Clearing 12. Basics of Networking


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IS Security for Internal Controls (IT 707)

Duration: 3 days Target group: All Officers Objective : Help the participants to understand the nuances of cyber threats and prevention mechanisms. Topical coverage:

1. Introduction to Cyber Security 2. Cyber Threats and their implications on Banking 3. Basics of Networking 4. Firewalls, Intrusion Detection and Prevention Systems 5. IS Security Policy 6. IS Audit and Audit tools 7. Cyber Security Laws 8. Cyber Frauds with case study 9. Keeping your system secured 10. Antivirus

Documents

Programs in Human Resources Management & · PDF filePrograms in Human Resources Management & Marketing ... CR 206 Effective NPA Management and Recovery ... Balance sheet analysis -