Spreadsheet: 870302d1716841036-can-anyone-tell-what-mistake-i-am-doing-in-my-formulas-given-in-the-sample-file-sample-file
Sheet: Table 23

कार्यक्रम PROGRAM |  |  | पीओ  और  [NAME]  का  िीसरा चरण 3rd PHASE OF INDUCTION TRAINING FOR POs and AEOs | PROGRAM CODE
 |  |  |  | IT  1056
तर्षर् समूह/ SUBJECT GROUP |  |  | HR,MARKETING, CUSTOMER SERVICE & COMPLIANCE
उद्देश्य/OBJECTIVE |  |  | TO IMPART TECHNOLOGY SKILLS, AND JOB KNOWLEDGE TO ENABLE     PARTICIPANTS     TO     PERFORM     THE     DUTIES EFFECTIVELY
लतक्षि समूह/TARGET GROUP |  |  | POs and AEOs
अर्तध/DURATION |  |  | 4 WEEKS
DAY | SESSION | CONTENTS
Day 1 | I | Various types of Credit Facilities and Segments
 | II | Credit Environment & Banks Concerns, Prudential Norms
 | III & IV | Credit Marketing - Types of Customers, Customer need assessment
Day 2 | I to III | Documentation,  Mortgage,  Charges  creation,  CERSAI,  ROC  filing, Guidelines on Title Investigation Reports, Verification of genuineness of title deeds, Verification of LSR and Other precautions.
 | IV | Loan  Policy  Guidelines  of  the  Bank,  Credit  and  Risk  Management Guidelines of the Bank
Day 3 | I | Analysis of Financial Statements
 | II | Ratio Analysis
 | III | Cash Flow / Fund Flow Analysis
 | IV | Importance of Cash Flow Statement and Consolidated Balance Sheet, Companies (Auditors Report) Order, Auditor/director reports etc.
Day 4 | I & II | Assessment of Fund Based Working Capital Limits by various methods, PBS,   Turnover   and   Cash   Budget     (Administered   through   case study/case lets)
 | III & IV | SME Business Models/Contours of Rating Models
Day 5 | I & II | Important aspects of Project Finance
 | III & IV | Assessment  of  Term  Loan  (Administered  through  case  study/case lets)
Day 6 | I to III | LCs & Bank Guarantees- Salient Features, Types, Inland & Foreign, Operational  Instructions.  Assessment  of  Letter  of  Credit  /  Bank Guarantee Limits ;Important operational guidelines
 | IV | UCPDC, URR, URC, URDG
Day 7 | I to IV | Credit Monitoring Arrangement (CMA) Preparation with Case Studies
Day 8 | I | Computation of value of the account and wallet share
 | II | Examination of Bank’s charges / interest paid
 | III | Forex Business figures furnished in ABS and our share
 | IV | Computation of RAROC, Preparation of Proposals on various [NAME], Common Deficiencies in Credit Proposals (Administered through case study/case lets)
Day 9 | I | Credit Risk Management
 | II | Credit Risk Assessment in the Bank with Case Study
 | III | Rating Rationales
 | IV | ECAI and other guidelines related to credit risk assessment, Mapping of   External   and   Internal   Rating     (Administered   through   case study/case lets)
Day 10 | I | Opportunity Assessment and Information sourcing
 | II | Due  Diligence  of  Borrowers  /  Guarantors  /  Customers  /  Supplier, KYC/ AML with special reference to Credit Facilities
 | III | Financial  Due  Diligence  of  Balance  Sheet  /  Accounts  operations including verification of ABS / P&L
 | IV | CICs / Due Diligence/ ROC Charge Valuation of Assets, Compilation of Opinion Reports (through case-study/case lets)
Day 11 | I to III | Various FB & NFB MSME Asset and Corporate Loan Products
 | IV | CGTMSE, MUDRA, Stand up India & Start up India etc.
Day 12 | I | International Banking and Introduction to Forex Business
 | II to IV | Overview  of  import  and  exports,  Export  Credit  including  Pre- Shipment / Post-Shipment Credit
Day 13 | I | Derivative & treasury Products- Features, Assessment
 | II | Multiple Banking Arrangement and Consortium Lending: Creation of Charge, Insurance, Stock audit, Inspection
 | III | MSME Loan Creation & Maintenance in CBS - Lab activity
 | IV | Important aspects of RBIA
Day 14 | I | Follow-up, Supervision & Monitoring (FSM) of advances
 | II | Disbursement,   Analysis   of   Stock   Statement,   Drawing   Power Calculation
 | III | Financial  Follow-up  Reports  /  Quarterly  Review  Reports  analysis, Stock & Receivables Audit
 | IV | Unit Inspection with case studies
Day 15 | I & II | Irregularity reporting, SMA, NPA Management, IRAC Norms
 | III & IV | SARFAESI, Recovery Actions: DRT, [NAME] etc.
Day 16 | I | Film  on  Preventive  Vigilance  prepared  by  the  Commission  for Vigilance Awareness Week-2018 to be screened (From the website of the   Central   Vigilance   Commission).   Roles   and   Responsibilities including   Conduct   rules   as   per   OSR,   Grievances   Redressal   & Escalation Matrix
 | II | Ethics and values with special reference to Banking Business Ethical Dilemma and conflict of interest, Transparency in Banking Business, Vision Mission & Values, [NAME] Mechanism
 | III | Preventive   Vigilance/Measures,   [NAME]   of   Vigilance,   Preventive Vigilance  at  Administrative  offices/Branches,  Preventive  Vigilance Committees, External Compliance Risk areas, Procurement including e-procurement and Government e-Marketplace – Need for efficiency and transparency.
 | IV | Overview of Risk Management, Operational, Credit & Market Risk, Challenges    and    approach,    Risk    Management    at    workplace, Compliance culture, Cost of Non-Compliance
Day 17 | I | The  organization  may  choose  an  experienced  person  from  the relevant  fields  for  a  presentation  on  one  or  two  Case  Studies  on Preventive  Vigilance  initiatives  in  their  organization,  Experience sharing (Group Activity) – with moderator, The session may be kept interactive
 | II | Audit   Philosophy,   Various   Audits,   Structure   of   Internal   Audit Department,  RBI  Guidelines  on  Risk  Based  Audit,  Basanth  Seth Committee  recommendations,  [NAME]  Based  Audit  Compliance  to Audit reports
 | III | Technology as enabler - Information security Cyber Crime & Cyber Security
 | IV | RTI Act 2005, CPGRAM, Consumer Rights, Banking Ombudsman
Day 18 | I | What  is  Fraud,  Fraud  prevention  measures,  [NAME]  systems  and procedures How to report a Fraud Importance of timely reporting and action RCSA, Near Miss events and related areas.
 | II | Frauds  in  Advances  accounts  and  International  Business,  Creative Accounting & Trade based money laundering
 | III & IV | Presentation  by  participants  in  groups  of  10,  and  expert  panel discussions on topics of Preventive Vigilance and Fraud Prevention
Day 19 | I | Roles and Responsibilities of Agriculture intensive branch manager and Agriculture Field Officer
 | II | Rural Economy and Institutional Framework, [NAME] and Kharif crops
 | III | Priority Sector Guidelines, Land Records & Documents - Registered Mortgages
 | IV | New Business Models
Day 20 | I & II | Kisan Credit Card
 | III | Agriculture Gold Loans
 | IV | Kisan   Credit   Card   (Animal   Husbandry   and   Fisheries),   Produce Marketing Loans
Day 21 | I | Tractor Loan Schemes
 | II | Financing of Pumpsets, Agri. Clinic and Agri. Business Centers
 | III | Self Help Groups
 | IV | Dairy, Horticulture, Cash Crops Loans etc.
Day 22 | I & II | NPA Management in Agriculture Credit
 | III | Motivation and Team Building
 | IV | Assessment test