Page 5 - NIBAF-Training Matters July - December 2022

In line with the national level emphasis to promote
financing in priority sectors of the economy and SBP
Strategic Vision in this regard, NIBAF continued to
develop comprehensive training plans to develop and
enhance human resource capacity of financial industry in financial institutions so they are positioned to serve their
the area of SME, Agriculture, Housing and Micro-finance. clientele effectively which would eventually reflect in the
The objective of these programs is to develop sector- inclusive growth and development of the economy.
specific expertise in term of the respective sector’s NIBAF offered a number of programs over the period
financing/advisory requirements, nature of businesses and including trainings for commercial banks, awareness
their assessment, sector analysis and create lending sessions for university students, services providers,
opportunities for underserved but strategically important manufacturers and businesses. Experienced professionals
segments of the economy. It is worth mentioning that the and subject specialists delivered rick content through
Government of Pakistan and SBP are creating an enabling presentations, discussion sessions, group/ individual
environment for the priority sectors through policy reform as exercises and case studies under virtual and face-to-face
well as increased emphasis on capacity enhancement of modes.

SMEs play an important role for the Credit Schemes & Entrepreneurship are to employed for credit analysis of
economic growth and development of Skill Development for university borrowers. Over the preceding six
any country and are considered the students and National Incubation months, three online iterations of the
backbone for both the developing as Centers housed in these universities. program were conducted on October
well as developed economies with its 17-18, 2022 followed by October 26-
employment generation capabilities Capacity-building programs 27, 2022 and December 12-13, 2022
and potential to explore income for Relationship Managers to develop their credit assessment
generation opportunities in non- skills of branch staff. Mr. Aamish
conventional business and and Branch Managers Ahmed, Head of Distribution, Bank
innovative/novel ideas. NIBAF Alfalah conducted a detailed session.
organized twelve training programs As banks need to properly assess He discussed SME Sector dynamics
on different aspects of SME financing customer’s ability & willingness to and Global and domestic, Challenges
for banks including three awareness repay prior to disbursement of a loan, & Opportunities in SME Financing,
sessions on SME Concessionary coherent understanding of financials SME market segmentation and the
using different lending market, common product
techniques is offerings by banks/formal sector,
imperative in banks’ marketing function and role in
general and banking targets, understanding
more significant Potential clients and their financing
when extending needs, evaluation of SME customers,
finance to small key considerations in approving SME
enterprise with loans/Credit Lines, post
little to no disbursement loan management &
documented provision of Non-Financial Advisory
financials. In Services. Different case studies and
such situations, real scenarios were also discussed for
creative tools practical demonstration of the learned
and techniques concepts and processes.