Background: Risk Management (RM) continues to evolve marked by bouts of advancements along with setbacks. Enterprise Risk Management (ERM) resulting largely from private sector initiatives promises to potentially aid the advancement in RM anRead More

Objective: If and when the climate change risk accentuates there could be sharp and large scale deterioration in the quality of assets on the books of financial intermediaries. Immediate and sweeping regulatory changes triggered by such crisisRead More

Background: In recent years there has been increasingly heightened research deliberations and activities on central bank digital currencies (CBDCs). CBDC is no more just a concept. Now we are talking in terms of not only CBDC but CBDCs. SomeRead More

Background: Agriculture and MSME are crucial sectors of the Indian economy. In the current pandemic situation while agriculture has remained largely unaffected the MSME sector has suffered impacting output and employment. Acknowledging the rRead More

Objective: This is a unique virtual leadership program for women officers at senior and middle levels in Banks Financial Institutions and NBFCs. This program has five building blocks. One it seeks to expose the participants to key theoretical Read More

Objective Recent developments including a spate of regulatory penalties on many Banks and Financial Institutions both in India and abroad due to serious compliance breaches and RBIs new regulatory framework on compliance function in banks haveRead More

Background: Retail lending (RL) in India has seen significant changes during the pandemic. The Pandemic has in general accelerated digitization initiatives across the banking sector. Several regulatory changes have cleared the way for new playerRead More

Background: COVID19 pandemic which has already lasted longer than a year has disrupted the normal operations in banks and financial institutions.  This has resulted in potential systemic stress which in turn could exacerbate the stress on iRead More

Objective of the Program This Virtual Learning Program (VLP) the first of its kind will provide unique learning opportunity to the Company Secretaries (CS) and Secretaries to the Boards (SB) working in the financial sector. The VLP seeks toRead More

Background: Risk Management in banks and financial institutions have seen repeated failures despite adoption of sophisticated approaches increasing stringency in regulation and intensive use of technology. Among other things the reasons for fRead More

Background: There is need for Enterprise Risk Management (ERM) that runs as an overlay on or adjunct to the usual risk management function in financial institutions. ERM encourages institutions to recognise and manage risks beyond the “silRead More

Chief Financial Officers (CFOs) traditionally owned the accounting & book keeping functions in banks. The key task before CFOs was the preparation of financial reports & statements. Over time they have been called upon to own the financRead More

Covid-19 pandemic an unprecedented event in our history has severely impacted lives across societies and economies. The risk of contagion which this pandemic has generated has forced lifestyle and work culture changes on individuals and organiRead More

Background: Frauds reported by banks and financial institutions increased 159% by value to Rs 1.85 lakh crore from Rs 71 543 crore in 2018-19. By volume the increase in 2019-20 was 28% (8 707 cases) as per data released by Reserve Bank of IndiaRead More

Objective: Agro-MSMEs which operate in the intersection of Agriculture and MSME sectors can be powerful vehicles of growth in the post-pandemic environment. The CAFRAL VLP seeks to build a business case for lending profitably to the Agro-MSMERead More

Objective of the Program This is CAFRAL’s first Virtual Learning Program (VLP) for the Non-Executive Chairpersons & Directors (NEC&D) of the Banks and Financial Institutions. This VLP will deal with some of the core and strategicRead More

Background: Digital Lending (DL) can potentially bring about exponential change in financial intermediation. A private sector joint study states that in India DL to MSMEs alone can grow upto seven lakh crore by 2023. To start with GST reform anRead More

Objective The objective of the series is to provide participants with a detailed understanding of key policy issues in international trade and how theory helps understand them. •      Why does India export textileRead More

The CAFRAL Web Conference seeks to engage with the Chief Human Resources Officers (CHROs) and Chief Learning Officers (CLOs) of the banks on challenges and opportunities thrown up by the COVID outbreak for HR Management and Learning Management. Read More

With a view to strengthening corporate governance in Indian banks the Reserve Bank of India (RBI) released a discussion paper (DP) on ‘Governance in Commercial Banks in India’ last month. Among other things the DP proposes to limitRead More

Banks conduct Stress Tests (ST) as part of the regulatory capital framework for assessing minimum level of capital requirement under stressed situations as also from liquidity adequacy risk management and strategic perspectives. A robust ST FrRead More

The Reserve Bank had issued Guidelines on Sale of Loan Exposures (which included direct assignment transactions) vide circular dated February 1 2006. They were updated on May 7 2012 and July 1 2013. Subsequently BCBS issued guidelines on secRead More

The Reserve Bank had issued Guidelines on Securitisation of Standard Assets (which included direct assignment transactions) vide circular dated February 1 2006. They were updated on May 7 2012 and July 1 2013. Subsequently BCBS issued guidelRead More

The Reserve Bank of India (RBI) recently introduced an amendment to its Master Direction – Know Your Customer (KYC) Direction 2016 (KYC Directions) requiring Regulated Entities (REs) to carry out Risk Assessment Exercises periodically to Read More

Objective: Recent developments including a spate of regulatory penalties on many Banks and Financial Institutions both in India and abroad due to serious compliance breaches and RBIs draft regulatory framework on compliance function in banks hRead More

Pandemic has rendered the current rating and risk assessment system inadequate. Post COVID, certain new ways of rating and assessing risk might evolve. Already some changes are taken place. What is the evolving shape of things?  

CAFRAL and the World Bank are jointly hosting a conference on “State Intervention in the Financial Sector” in Mumbai India. The conference will feature academic presentations on topics such as banking bank-firm relationships and Read More

Financial markets are the mainstay of matured and emerging economies; however banks invariably play a crucial role as investors issuers and market makers for providing depth and liquidity in the financial markets across jurisdictions. Again Read More

Objective of the Program The program seeks to enhance the insight of the participants on policy and practical aspects of Board governance and functioning. The program has three building blocks. The first block will set the backdrop through a quRead More

Incidences of Financial Frauds (FF) in large loan accounts with huge financial loss implications have sharply risen in recent times. Digital & cyber frauds are also on the rise with increased use of technology. Fraudulent transactions in dRead More

Retails lending in India is getting increasingly crowded. While there is intense competition in the traditional segments of retail lending there is enormous opportunities in emerging and niche areas. Retail lending capacity will need to leverRead More

Objective This Conference would provide a forum to the heads of banks’ risk function to meet and discuss the emerging issues surrounding risk management after reviewing the range of known risks facing banks and financial institutions agaRead More

Conference Objective The role of compliance function in banks is becoming more complex and demanding. The regulatory and supervisory expectations are rising and the business units within the bank are focusing on cost reduction and value additioRead More

Objective of the Program India’s banking sector has been facing a large overhang of balance sheet stress in recent times. The persisting deterioration in asset quality has necessitated sharp increases in provisions and for the first time Read More

The program is aimed at developing the skills of senior officers so as to improve their effectiveness and enable them to assume the role of future leader. Apart from the current issues and other developments in the financial sector topics like Read More

About the Program It is a capsuled program that potentially shapes and reinforces financial leadership traits around technical skills in uniquely blended ways. This Program has been designed and will be delivered in collaboration with the Read More

s ·      Review the revised regulation on KYC for banks and NBFCs including Digital KYC ·      Review the important aspects and issues surrounding regulatory guidelines on KYC-AML-CFT &miRead More

Objective of the Program The objective of the program is to focus on current issues and challenges faced by banks including those relating to governance risk compliance business strategy asset quality and capital planning. The program wouldRead More

and Highlights The Conference will provide a forum for discussion on several key issues and emerging trends in the areas of HR management for Chief Human Resource Officers and Chief Learning Officers of Banks and Financial Institutions. TheRead More

The program is aimed at developing the skills of senior officers so as to improve their effectiveness and enable them to assume the role of future leader. Apart from the current issues and other developments in the financial sector topics likRead More

Enterprise wide Risk Management (ERM) enables the banks and financial institutions to move away from the “silo” approach to risk management towards the “holistic” view of enterprise wide risks. Besides managing the ovRead More

Program Description The Non-Banking Financial Companies (NBFCs) and Housing Finance Companies (HFCs) play a very important role in the Indian Financial System by catering to diverse financial needs of a wide variety of customers both in urban Read More

Private Wealth Management (PWM) which started as niche business in Indian banking system decades ago has now become an integral part of business for many banks and large NBFCs alike. In fact some small NBFCs provide cutting edge PWM servicesRead More

Objective of the Conference The objective of the conference is to provide a platform to Heads of Treasuries and senior officers involved with risk management function to discuss issues like financial markets operations liquidity management maRead More

Objective of the Program Asset liability management (ALM) and Liquidity risk management are important facets of risk management framework. The asset liability mismatches generally arise from funding of long-term assets by short-term liabilitiesRead More

Objective of the Program The objective of the program is to provide the participants with a 360-degree view of what digital banking or digital financial services is. Participants will develop good understanding of strategic risk technologicRead More

Objective of the Program Real estate financing has certain higher risk characteristics due to which the regulator has classified this sector as a sensitive sector and applied macro financial regulatory tools as a means of risk mitigation. The lRead More

This program is being organised in association with the World Bank Group. Objective of the Program The management and resolution of large volumes of distressed assets poses considerable challenges to lenders and as such needs setting up an opeRead More

  The program especially designed for senior executives of the Indian financial institutions focuses on three key themes (i) Leadership Management and Decision-making in a changing world (ii) Sustainable Strategies for Banks and FinanRead More

This Workshop was conducted jointly by the Department of Banking Supervision Reserve Bank of India and Centre for Advanced Financial Research and Learning (CAFRAL). The workshop provided a common platform/forum for different banks using CRILC dRead More