Page 7 - NIBAF-Training Matters Oct-December 2021

NIBAF conducted one program on causes of default and its impact on Evaluation of repayment flows are
Remedial Management in Agri- overall loaning portfolio. The the different aspects of the
finance during the quarter at program also explained various program. The participants took
Gujranwala. The objective of the type of risks & their evaluations in active participation in the training
course was to highlight the terms of obligors, size and pricing program and got clarity on risk
significance of credit monitoring of the loan. Understanding of early assessment and remedial
and to recognize & evaluate warning signal, underlying security, management.
problem loans. It also discussed collateral & various guarantees.

With the increasing demand of housing finance and enhance their highlighted important concepts of
housing units in Pakistan in ability to abreast with increased house mortgages & its types, risk
comparison to buy building or demands of housing units in the assessment & mitigations,
construction. The gap is country, NIBAF planned to conduct collateral & security
broadening over the years. In fact, training programs on housing documentation, comparison of
housing sector remains highly finance during FY2022. During Q2 home loan vs mortgages,
under-developed and untapped FY2021-22, a training program on marketing & sale techniques,
primarily due to lack of mortgage housing finance was conducted in challenges & opportunities. The
products and banks’ financing Karachi. The course highlighted the training was very interactive and
structures besides slack in relevant importance of housing sector, participants shared their views on
skills and conducive environment. increasing demand for housing housing finance risks and
There is a great need of scaling up units, scope of housing financing in deliberated on current housing
housing finance in order to meet Pakistan along with specific finance schemes & regulatory
higher demand of affordable regulations, guidelines and direction. They also appreciated
housing finance across all income circulars of SBP. The course also NIBAF on organizing trainings on
levels. discussed Government Low-cost such important areas and got
In order to develop banks human Housing Schemes and banking clarity on different aspect of
resource capacity in the area of products on housing finance. It also housing finance.

1. NIBAF organized nine training programs on different aspects of SME coupled with

awareness session for women entrepreneurs and a webinar for senior management of the
banks during Q2-FY 2021-22.
2. NIBAF organized three training programs for MFBs during the quarter.

3. NIBAF organized two training program on Risk Management and Credit Initiation
Techniques for officials of Microfinance banks

4. NIBAF conducted five training programs during Oct-Dec FY2021.

5. NIBAF organized three programs on Credit Risk & Security Documentation for agri-officers
of banks during this quarter.

6. During Q2 FY2021-22, a training program on housing finance was conducted in Karachi.