Course Details

Credit Risk Management for CMSMEs

  • Title : Credit Risk Management for CMSMEs
  • Course TYPE : Training Workshop
  • Course No : TW38/2021
  • Duration : 02
  • Frequency : 01
  • Time : Wednesday 28th of July 2021 - Thursday 29th of July 2021
  • Nature: Online
  • Target Group : Senior Principal Officer or Equivalent Officer and above Working/likely to work in the Credit Department
  • Methods : Lecture, Group Discussion and Panel Discussion.
  • Resource Person: BIBM Faculty and Professionals from Financial and Other Institutions
  • Coordination Team :
    1 . Dr. Md. Mosharref Hossain
    2 . Dr. Shamsun Nahar Momotaz
  • Objectives:

    a. To Acquaint the Participants with Different Dimensions of Credit Risk of CMSMEs.

    b. To Enhance Knowledge and Skills of the Participants for Effective Management of CMSMEs Credit Risk.

  • Contents:

    a. CMSME Credit Risk-Overview of Risk Components, Approaches and Models, Risk Management.

    b. Regulatory Framework of CMSME Credit Risk Management.

    c. Credit Risk Management Practices by Banks and other Financial Institutions for CMSMEs in Bangladesh.

    d. Financial Analysis of CMSMEs- Cash Flow and Cash Budget, Ratio Analysis, The Asset Conversion Cycle, Cash Flow Projections and Assumptions, Breakeven Analysis.

    e.SME Business Risk Evaluation, Interact with SME Clients and SME Site Visit with Interview of the Potential Borrower.

    f. Principles and Processes of CRM, Pre-sanction Credit Assessment and Selection of Borrower.

    g. Estimating Expected Loan Loss, Loan Provisioning, Credit Scoring, Risk Based CMSME Loan Pricing and Ensuring Effective Diversification.

1. BIBM member banks can access the online nomination form before forty (40) days of the commencement of programs. BIBM member banks can nominate a maximum number of five (05) participants for a Training Course / Training Workshop. The maximum number of participants in each Training Course / Training Workshop is 40. However, if the number of total nominees exceeds the maximum number, a final list of 40 participants will be prepared by the BIBM authority which will be available online five (05) days prior to the commencement of the Training Course / Training Workshop. Information in regard to rejection of any nomination will be communicated to the concerned bank at least three (03) days before the commencement of the Training Course / Training Workshop. No participant under the target group/level is allowed to participate in any Training Course / Training Workshop.

2.  All member banks are required to pay Tk.1000 per day per participant including holidays (if any) as a course fee. All charges are excluding VAT and Tax.

3. The pay order/bank draft drawn in favor of ‘Bangladesh Institute of Bank Management” has to be sent at least seven (07) days prior to the commencement of the Training Course / Training Workshop.

4. BIBM will send Meeting ID to the nominated participants (through email) to join the zoom meeting app-based interactive session. Moreover, the course Coordination Team and BIBM Training Wing will regularly communicate with the nominated participants for further updates.

5. The Training for each day will be as follows:

1st Session: 11.00 am – 12.00 pm      

2nd Session 12.05 pm – 13.05 pm

Lunch & Prayer Break: 13.05 pm – 14.05 pm

3rd Session 14.05 pm – 15.05 pm

4th Session 15.10 pm – 16.10 pm