Course Details
Consumer Financing
 Consumer Financing

The Prudential Regulations prescribe the minimum standards for conducting consumer finance business. They aim to promote the consumer finance business in sustainable and fair manners and ensure the soundness of financial institutions.

Objective & Overview:

The Prudential Regulations prescribe the minimum standards for conducting consumer finance business. They aim to promote the consumer finance business in sustainable and fair manners and ensure the soundness of financial institutions. These regulations are periodically reviewed and updated to address the changes in environment and incorporate emerging best practices.  

The objective of the Workshop is to create and enhance the understanding about the Prudential Regulations for Consumer Finance. The particular focus would be on recently introduced changes in the Prudential Regulations and their requirements. During the interactive sessions, participants will learn about the key requirements and rationale of prudential regulations and will also find answers to their various queries which generally arise during the course of business

Who should attend:

All Senior executives / Unit Heads with Consumer Banking responsibilities including Credit Operations, Credit Administration, Credit Risk Management, Compliance, Credit Initiation Units,  Internal Audit, Fraud Management Unit, Branch Managers, Product Managers, Special Management Unit, Customer Relationship Managers, Compliance

 

Overview of Pakistani banking system and importance of Consumer Finance

  1. Objectives of prudential regulations & Major Gaps in recent revised version of PRs for consumer financing 
  2. Revised Prudential Regulations and other laws & regulations 
  3. Key definitions in prudential regulations 
  4. Impact of recent amendments   

 

Understanding the fundamentals & key features of Revised PR  ( Credit Cards,  Auto Financing,  Consumer Durables,   Personal Loans)  

  1. Minimum requirements for consumer finance business 
  2. Overall limits, and loan loss reserve requirements for consumer financing 
  3. Risk management, credit administration and documentation in consumer financing 
  4. Evaluation of consumer profile and assessment of his/her debt burden 
  5. Determination and controlling of Consumer Fraud 
  6. Valuations and Impairment of consumer assets  
  7. Auditing / inspections aspects for Consumer finance  
  8. Rescheduling / Restructuring of Performing / Non Performing consumer financing facilities 
  9. Classification & Provisioning of Receivables  
  10. Disclosures and reporting of classified assets 
  11. Managing authorized dealers for Cars and Consumer Durables 
  12. Working with SBP prescribed Annexures 

  

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