PROGRAMME ON RISK MANAGEMENT AND ASSET LIABILITY MANAGEMENT IN MORTGAGE LENDING FOR HOUSING FINANCE COMPANIES & BANKS

NEED FOR THE PROGRAMME

The foremost among the challenges faced by Financial Institutions today is that of understanding and managing risk. Risk is not simply the incidence of adverse outcomes. The favourable outcomes which cannot be predicted are also a form of risk. Opportunity losses can be as important as actual losses.

Mortgage lending operations in India have special characteristics associated with them such as terms to maturity for both deposits and loans, lack of diversification, affordability issues, foreclosure laws, etc. The importance of bringing about better refinement and sophistication in identification, measurement and management of risk is the order of the day for gaining competitive advantage.

The management of HFCs/Banks are to base their business decisions on a dynamic and integrated risk management system and need to address these risks in a structured manner by upgrading their risk management and adopting a comprehensive Asset-Liability Management system. With the introduction of ALM guidelines, it becomes imperative to acquaint and understand the fundamentals and rationale of ALM.

OBJECTIVE OF THE PROGRAMME
To familiarize the participants with international and national perspective on risk management, risk Identification and management, risk analysis through financial statements, managing credit, liquidity, interest rate and operating risk, risk based supervision and risk based audit. Besides, the program will also address issues related to fundamentals of ALM, structuring of the ALM Information system, organization & process; and assessment of the credit, liquidity and interest rate risks.

PROGRAMME CONTENT
• International Perspective under Basle Accord and Indian Scenario
• Different types of risk and the process of managing them
• ALM as a tool for Risk Management
• Guidelines for managing risk by banks and HFCs

DESIRED PARTICIPANT PROFILE
Senior/ middle level personnel of banks & HFCs (maximum of 3 participants per institution )

DATE AND VENUE
Dates: September 22-24, 2004
At : Hyderabad

REGISTRATION
Registration form in the format overleaf to be submitted along with Registration fees of Rs 8,000.00 per participant payable by DD/cheque, favouring National Housing Bank payable at New Delhi.

NOMINATIONS TO BE SENT TO:
The Assistant General Manager,
Training Division
National Housing Bank, Core 5A, 3rd Floor, India Habitat Centre, Lodhi Road,
New Delhi-110 003
Telephone:011-24655367
Fax : (011) 24646988/ 24649041

LAST DATE FOR RECEIVING NOMINATIONS:
September 10, 2004

LAST DATE FOR WITHDRAWAL OF NOMINATIONS
September 13, 2004

(request for withdrawal received after this will not be accepted)