Page 22 - NIBAF-Training Matters October-December 2020

L N I S T I T U T O E F BANKING AND FINANCE Training Matters!
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NIBAF conducted 2-day program on Remedial
Management in Agri-finance at Peshawar during
November 16-17, 2020. The objective of the
course was to highlight the significance of credit
monitoring and to recognize & evaluate problem
loans. It also discusses causes of default and its
impact on overall loaning portfolio. The program
also explained various type of risks & their
evaluations in terms of obligors, size and pricing of
the loan. Understanding of early warning signal,
underlying security, collateral & various
guarantees, evaluation of repayment flows are the
different aspects of the program. The participants develop banks human resource capacity in the
took active participation in the training program area of housing finance and enhance their ability
and got clarity on risk assessment and remedial to abreast with increased demands of housing unit
management. in the country, NIBAF planned to conduct subsidized
training programs on housing finance during
FY2021. One such program was conducted at
Islamabad during Dec 14-15, 2020. The course
highlights the importance of housing sector,
increasing demand for housing units, scope of
housing financing in Pakistan along with specific
regulations, guidelines and circulars of SBP. The
course also discusses Government Low-cost Housing
Schemes and banking products on housing finance.
It also highlights important concepts of house
mortgages & its types, risk assessment &
mitigations, collateral & security documentation,
comparison of home loan vs mortgages, marketing
Housing Finance & sale techniques, challenges & opportunities. The
training was very interactive and participants
Housing sector remains highly under-developed shared their views on housing finance risks and
and untapped primarily due to lack of mortgage deliberated on current housing finance schemes &
products and banks' financing structures besides
regulatory direction. They also appreciate NIBAF
slack in relevant skills and conducive environment.
on organizing trainings on such important area and
There is a great need of scaling up housing finance
got clarity on different aspect of housing finance.
in order to meet higher demand of affordable
housing finance across all income levels. In order to

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