Page 3 - NIBAF-Training Matters April - June 2022

In line with SBP Strategic Vision and
Government’s emphasis to promote financing
in priority sector area, NIBAF continue its
training momentum both through on-line and
face-to-face trainings to develop human
recourse capacity of financial industry in the
area of SME, Agri, housing and micro-finance. The NIBAF continued to play its role in the capacity building
objective of these programs is to develop expertise and offered a number of programs for financial institutions
pertaining to various sector in term of its requirements, besides creating awareness among university students,
nature of businesses, sector analysis and to create service providers, manufacturers and businesses. These
lending opportunities for lower segment of the economy. programs cover various aspects of SME financing, Agri-
It is important to mention that both the Government and financing, Housing & Micro-financing. Experienced
SBP are creating an enabling environment through bankers, professionals and subject specialists were
conducive policies and a greater emphasis on capacity engaged to conduct these programs both through virtual
enhancement of financial institutions in order to help them as well as face-to-face modes using presentations,
better serve their clientele, which will eventually reflect in discussion sessions, group/ individual exercises and case
the inclusive growth and development of the economy. studies.

NIBAF organized six training and SMEs. NIBAF conducted an properly assess customer’s ability
programs on different aspects of online training program for & willingness to repay prior to
SME financing for financial relationship managers and branch disbursement of loan. Such
institutions and two awareness managers on SME banking. It is assessment needs coherent
programs for university students essential for commercial banks to understanding of financials using
different techniques and is
particularly pertinent in extending
finance to small enterprise with no
or little financials. This training
program helped participants to
understand & learn assessment
skills for small and medium
enterprises lending. Other
important aspect of the training
included understanding potential
clients and their financing needs,
evaluation of SME Customers, cash
flow analysis, key considerations in
approving SME loans/Credit Lines
and provision of Non-Financial
Advisory Services.