Page 6 - NIBAF-Training Matters April - June 2022

identification of competitive
advantage, understanding
marketing cycle & segmentation
are vital for developing and building
customer relationship. Participants
were assigned tasks to develop
marketing strategy for selling
banking products and present it in
group formation. Moreover, the
trainers also discussed importance
of communication with the clients
that helps in building strong and
long lasting relations with
customers.

Agri Value Chain

One online program on Agri Value
Chain was also conducted during
this quarter in which overwhelming generate sales leads in existing in province of Balochistan. The lead
response was received in terms of customer base of bank. role in the activity was performed
large number of participants. The by HBL while different heads of Agri
trainer Mr. Shahrukh managed to Agri-Finance for Agri banking also participated to share
engage the class through different Credit Officers of their experiences. Mr. Nadeem
techniques, asking questions from Khanzada, Senior Joint Director,
participants and sharing his expert Balochistan Agricultural Credit and
views regarding potential of agri- Microfinance Department, SBP
finance in the country. The A special program on Agri-Finance also shed light on significance and
participants took keen interest in for Agri Credit Officers of importance of Agri finance and also
the topic and understood different Balochistan was conducted at shared different low cost Agri
modules of Value Chain Financing. Quetta for enhancing the capacity schemes for promotion of the Agri
The trainer explained different of commercial bankers in the area. Sector.
modules from growers and The two-day program was specially
producers’ perspective and how to designed to promote Agri-finance

The gap between demand and In order to develop banks capacity important concepts of house
supply of housing units in Pakistan in the area, NIBAF conducted mortgages & its types, risk
has been widening over the years. several training programs on assessment & mitigations,
In fact, housing sector remains housing finance during the quarter. collateral & security
highly under-developed and During Apr-Jun FY-22, three online documentation, comparison of
untapped, primarily due to lack of training programs on housing home loan vs mortgages,
mortgage products and banks’ finance were conducted. These marketing & sale techniques,
financing structures and lack of courses highlighted the importance challenges & opportunities. The
relevant skills and conducive of housing sector, increasing training was very interactive and
environment. There is a great need demand for housing units, scope of participants shared their views on
of scaling up housing finance in housing financing in Pakistan, SBP housing finance risks and
order to meet higher demand of regulations, Government’s Low- thoroughly deliberated on current
affordable housing finance across cost Housing Schemes and housing finance schemes &
all income levels. banking products on housing regulatory perspective.
finance. It also highlighted