Program in Stressed Assets Management

October, 2013

What is Stressed Asset?

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Loans that are in jeopardy of default are called

as Stressed Assets. These are also called non –

performing assets.

Once a borrower fails to repay a loan, it

becomes a non-performing asset

Non-payment of loans is problematic for

financial institutions since companies earn

interest income from these loans

Stressed Assets Management has become

what a ‘critical performance area’ for the

banking sector as the level of NPAs affects the

profitability of a bank

Industry Demand – Some Facts

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Industry Demand – Some Facts

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Industry Demand – Some Facts

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Why SAM?

Why SAM?

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Objective

To ensure trained and competent resources in Stressed Asset Management vertical

Competency Framework to focus on

Domain knowledge

Exposure changing industry practices and norms

Who should Attend?

Professionals in Asset Management vertical who wish to upgrade knowledge.

Who want to switch to Asset Management domain

Who want to enhance skills to increase productivity and efficiency (Self/Team)

Highlights

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Classes on weekends – No Loss of Office time

Opportunity to analyze real-life

complex cases

Practical understanding – Interaction with industry

experts

Huge openings in BFSI sector

Industry Oriented

Certification

Unique Features

Unique Program

• Only domain specific Program on Stressed Assets Management in India that has been exclusively designed for working professionals.

Pedagogy

• Designed with a mix of experience sharing, real life case discussions, assignments and industry/research based projects besides the lectures in class

Strategic Leaders

• More than 1,00,000 professionals have already been trained in various Banking & Financial domains by NIIT-IFBI

Peer Learning

• Opportunity to Network and Learn from other professionals in the corporate world

Certification

• Competency Certificate on Successful Completion from NIIT-IFBI

Primary Tutor – Mr. Clement

2 1 Month

INR 15,000/- + 12.36% Service Tax = INR 16,854/-

Special batches for corporates; Commencement -7th December (Tentative)

Saturday (6:30PM – 9:30PM) & Sunday (10:00AM – 01:00PM)

Broad Contours

Program

Faculty

Duration

Program

Fees

Class

Dates

Schedule

Exam Within 15 days of completion of the program

Faculty Mr. Clement

Domain expert with 32 years of experience from Central Bank of India

He has diverse experience working with different verticals including Audits and Corporate Finance

A visiting faculty to RBI - for various banks across India. Primarily for

RBI Training college, Mumbai

He also conducted workshops and trainings on Management Development programs for various organizations in India.

Module Coverage Importance of Appraisal & Monitoring in Credit Management

Identification of Special Mention Accounts & Non-Performing Assets

Early Warning Signals & Follow up Action to be Taken

Drawing up Rehabilitation Program for Sick SSI Units & Non-SSI Units

Corporate Debt Restructuring Scheme & the Process of Restructuring

Restructuring of Advances – Non-CDR Cases

One Time Settlement & Methodology of Arriving at the Settlement Amount

Recovery Through Debt Recovery Tribunal

Provisions of SARFAESI act & Process of Recovery Through Sale of Assets

Asset Reconstruction Companies & Their Role

Protection of Assets Charged & Related Aspects

Detailed Module Coverage

How to Register?

Application form is available online-

http://www.ifbi.com/userlogin/apply_now_bplus.aspx

Application form to be submitted at IFBI center along with

Registration Fee. (Cash/Cheque/DD)

1Passportsize photograph

1 copy of any photo ID proof

The registration fee for Risk Management is INR15,000/- + S.T = INR16,854/-

Important Dates

Classes Commence :

7th December (Tentative)

Twice a week – Saturday – 6.30PM to 9.30PM

Sunday – 10:00AM to 1:00PM

Synchronous Learning Technology - SLT

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35 Classrooms across 23 Cities in India

Direct one-to-one interaction is ensured through individual

ICT systems for each student:

High-performance PCs

Webcam

Audio system and microphone at each workstation,

connected directly to faculty at institutes

Classroom interactions & ambience are facilitated by

clusters of student-stations and camera & projection

systems that span the full classroom.

Learning Management System (LMS):

• program-specific notices

• online submission of assignments

• reminder services

• online testing

• student records

Synchronous Learning Technology

NIIT-IFBI - TECHNOLOGY EDGE

STUDIO VIEW

CLASSROOM VIEW

REPLICATION OF LIVE CLASSROOM

Full features of face-to-face teaching

Raised-hand-seeking-teacher's-attention

Tabulation of responses

Quizzes randomly created by the teacher

Synchronous Learning Technology

Case-studies

Project work

Role-plays

Assignment

Collaborative group

activities

Instructional

material

Elements Running through Program

Annexure

Detailed Module Content

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Detailed Module Content

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Introduction : Importance of lending for banking industry and the need to ensure recovery of

loans as and when due, KYC norms, Overview of pre sanction appraisal and Post sanction

monitoring

Asset classification norms and provisioning requirements, impact on profits due to NPAs

Special mention Accounts , early warning signals and causes for delinquencies

Regularisation of SMA accounts, follow up action required

Accouning and reporting requirements on identification as NPA , verification of documents,

assets

Follow up measures for recovery/ regularisation

Role of BIFR and AAIFR, Appellate Tribunal

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Detailed Module Content

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Definition of sick SSI unit and drawing up Rehabilitation program, implementation and

monitoring

Case study 1 : Drawing up rehabilitation program for SSI unit

Organizational structure for CDR scheme and their powers, Preparation and approval of Flash

report and final report, Restructuring , role of Monitoring Committee, Debtor creditor and

inter creditor agreements

Case study 2 : restructuring under CDR

Restructuring of non CDR and SME units, Implementation and monitoring

Rationale for considering a Compromise, concept of NPV, importance of valuation, Schemes

of RBI and in-house Scheme

Case study 3 Working out a compromise proposal

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Detailed Module Content

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Recovery through DRT, eligible cases, procedure, obtention of recovery certificate and

enforcement, Appeal procedure, Issues in recovery

Recovery through SARFAESI : background, key provisions, notices for recovery, possession,

auction, issue of sale certificate, Common issues

Asset reconstruction companies; Role, progress achieved, redemption of certificates

Other aspects of stressed assets management : issues relating to protection of assets,

insurance, inspection, reporting requirements, role of staff members

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