1ST REGIONAL MICROFINANCE TRAINING PROGRAMME MICROFINANCE MASTERCLASS TRENDS, RISKS AND PROSPECTS 29 FEBRUARY 2 MARCH 2016 KUALA LUMPUR, MALAYSIA

1ST REGIONAL MICROFINANCE TRAINING PROGRAMME MICROFINANCE MASTERCLASS TRENDS, RISKS AND PROSPECTS 29 FEBRUARY 2 MARCH 2016 KUALA LUMPUR, MALAYSIA

1ST REGIONAL MICROFINANCE TRAINING PROGRAMME MICROFINANCE MASTERCLASS TRENDS, RISKS AND PROSPECTS PROGRAMME DESCRIPTION The Microfinance MasterClass is an intermediate level training programme aimed at advancing knowledge, technical know-how and competence of Microfinance practitioners in the ASEAN region. This three day programme presents opportunities for participants to gain insights, exchange views and best practices, network and share experiences on pertinent matters relating to microfinance. It will examine latest developments and contemporary issues, addressing priority areas such as sustainability, outreach, risk and delinquency management as well advancements in digital finance. LEARNING OBJECTIVES This programme aims to put into perspective the current thinking and practices for microfinance practitioners on the following: Emerging global trends and developments in microfinance Current priority areas in risk management of microfinance Technological innovations in digital finance which leads the present and future state of microfinance operations Contemporary issues and challenges PROGRAMME OUTLINE The Changing Face of Microfinance: Microfinance Overview Sustainability of Microfinance Institutions Outreach and Social Performance Managing Risks in Microfinance: Risk Management Delinquency Management Risks in Microfinance Product Innovation Digital Financial Services and Protection: Digital Financial Services What s in it for Microfinance Institutions? Doing Digital Finance Right Microinsurance TRAINING METHODOLOGY Learning is experiential and based on problem solving activities and examples Lectures Case studies Group activities Presentation of ideas Panel discussions WHO SHOULD ATTEND Middle to Senior-level practitioners (2-5 years of experience) from microfinance institutions, development financial institutions, NGOs and other similar entities involved in microfinance PROGRAMME DETAILS Date : 29 February 2 March 2016 (3 Days) Time : 8.30 am 5.00 pm Venue : Sasana Kijang, Jalan Dato Onn Kuala Lumpur, Malaysia Programme Fee*: MALAYSIAN PARTICIPANTS MYR 1,880 per pax MYR 1,780 per pax (with minimum of 2 registrations) INTERNATIONAL PARTICIPANTS USD 450 per pax** *inclusive of GST **excluding cost of travel, accommodation and related expenses (to be borne by participants if incured)

DAY 1 MONDAY, 29 FEB 2016 PROGRAMME AGENDA THE CHANGING FACE OF MICROFINANCE 8:30 9:00 Registration and breakfast 9:00 9:15 Welcome speech Professor Colyn Gardner, CEO, Asian Banking School SESSION 1 : MICROFINANCE OVERVIEW 9:15 10:15 Lecture/Presentation Global outlook and performance of Microfinance Importance of Microfinance in supporting ASEAN economic growth 10:15 10:30 Coffee Break SESSION 2 : MICROFINANCE OVERVIEW (CONT.) 10:30 11:30 Presentation, Experience sharing 11:30 12:45 Panel discussion Microfinance and Financial Inclusion: SME Finance Maria Moreno Sánchez, Policy Analyst, Alliance for Financial Inclusion, Malaysia SESSION 3 : SUSTAINABILITY OF MICROFINANCE INSTITUTIONS Sustainability - achieving financial and social goals Challenges and initiatives Opportunities through new dimensions Managing growth, profitability and impact Moderator: Liza Khairani Wahid, Deputy Director, Bank Negara Malaysia 12:45 14:00 Lunch Panelists: Golam Morshed Mohammed, International Program Department, Grameen Bank, Bangladesh Nilammasri Ja'afar, Senior Vice President/Head of Business Financing & Development Department, Bank Simpanan Nasional, Malaysia Mila M. Bunker, President, Bridge Investment Asia, Advisory Board of Microfinance Council of the Philippines SESSION 4 : OUTREACH AND SOCIAL PERFORMANCE 14:00 15:30 Lecture/Presentation, Group discussion, Case studies Outreach and efficiency Improving outreach through innovation Social Performance new measures and indicators Mila M. Bunker President, Bridge Investment Asia Advisory Board of the Microfinance Council of the Philippines 15:30 15:45 Coffee Break 15:45 16:45 SESSION 4 : OUTREACH AND SOCIAL PERFORMANCE (CONT.) 16:45 17:00 Question and Answer session 17:00 End of Day 1

DAY 2 TUESDAY, 1 MAR 2016 PROGRAMME AGENDA MANAGING RISKS IN MICROFINANCE 8:30 9:00 Breakfast SESSION 5 : RISK MANAGEMENT 9:00 10:30 Presentation, Experience sharing Risk management framework Challenges of microfinance institutions in implementing risk management 10:30 10:45 Coffee Break SESSION 5 : RISK MANAGEMENT (CONT.) 10:45 12:45 Lecture/ Presentation Credit Risk Assessment models Credit Risk rating Psychometric testing in credit risk assessment Bidhan Chaudhuri, Chief Operating Officer, Janalakshmi Financial Services, India 12:45 14:00 Lunch SESSION 6 : DELINQUENCY MANAGEMENT 14:00 15:30 Panel discussion Causes of delinquency, costs and measurement Delinquency prevention Developing a recovery programme Moderator: 15:30 15:45 Coffee Break Panelists: Golam Morshed Mohammed, International Program Department, Grameen Bank, Bangladesh Bidhan Chaudhuri, Chief Operating Officer, Janalakshmi Financial Services, India Alvin Merandilla Villamena, Operations Director, CARD MRI, Philippines SESSION 7 : RISKS IN MICROFINANCE PRODUCT INNOVATION 15:45 16:45 Lecture/ Presentation Risks in new product development and innovation Risk models and tools Risk pricing in microfinance Trade-off between risks and returns 16:45 17:00 Question and Answer session 17:00 End of Day 2

DAY 3 WEDNESDAY, 2 MAR 2016 DIGITAL PROGRAMME AGENDA FINANCIAL SERVICES AND PROTECTION 8:30 9:00 Breakfast SESSION 8 : DIGITAL FINANCIAL SERVICES 9:00 10:30 Mobile banking and mobile money Branchless banking and agent networks Presentation, P2P and Payment Gateways Experience sharing Future technological innovations 10:30 10:45 Coffee Break Ricardo Estrada, Policy Manager, Digital Financial Services & SME Finance, Alliance for Financial Inclusion, Malaysia and TVS Ravi Kumar, Inclusive Finance & Banking Specialist, Microsave, Indonesia SESSION 9 : WHAT S IN IT FOR MICROFINANCE INSTITUTIONS? 10:45 12:45 Key value propositions Modes of engagement with digital financial services Panel discussion Costs, benefits and challenges Key determinants of success or failure 12:45 14:00 Lunch Moderator: Alvin Merandilla Villamena, Operations Director, CARD MRI, Philippines Panelists: Tanya Hotchkiss, Strategic Management Head, Cantilan Bank, Inc., Philippines TVS Ravi Kumar, Inclusive Finance & Banking Specialist, Microsave, Indonesia Ricardo Estrada, Policy Manager, Digital Financial Services & SME Finance, Alliance for Financial Inclusion, Malaysia SESSION 10 : DOING DIGITAL FINANCE RIGHT 14:00 15:30 Key consumer risk areas Lecture/ presentation 15:30 15:45 Coffee Break Risk perceptions and experiences of DFS customers Priority areas for action by the industry Responsible digital finance ecosystem SESSION 11 : MICROINSURANCE 15:45 16:45 Overview structure and environment Supply chain Presentation Products and schemes Outreach 17:00 17:15 Closing remarks 17:15 End of Programme Tanya Hotchkiss, Strategic Management Head, Cantilan Bank, Inc., Philippines Alvin Merandilla Villamena, Operations Director, CARD MRI, Philippines 16:45 17:00 Question and Answer session All the information in this brochure is correct at time of printing. ABS reserves the right to amend the programme as deemed necessary, without prior notice. Please email enquiries@asianbankingschool.com for updates on this programme.

ASIAN BANKING SCHOOL PROGRAMME REGISTRATION FORM 1ST REGIONAL MICROFINANCE TRAINING PROGRAMME MICROFINANCE MASTERCLASS TRENDS, RISKS AND PROSPECTS 29 FEBRUARY 2 MARCH 2016 Closing Date: 19 February 2016 Please tick next to the appropriate registration fee below: Malaysian: International: RM 1,880 per pax USD 450 per pax Group: RM 1,780 per pax (with minimum of 2 registrations) Instructions 1. Please email the completed form to training@asianbankingschool.com 2. Please complete one registration form per participant 1 Notice of withdrawal: The full fee remains due even in the event of non-attendance, unless written notice of withdrawal is received before the closing date of the programme. ABS accepts requests of replacement of participant(s), which must be made in writing, prior to the programme s commencement date. However, once the programme commences, no substitution of participant(s) will be allowed for the entire programme duration. ABS reserves the right to make changes to the schedule, venue or cancel the event altogether. 2 Registration: Participation is by invitation only and registration will be on a first come first served basis as seats are limited. Full (as per NRIC/Passport) New NRIC No/Passport No Country Designation Department Section/Unit No of years in current position Designation Department Email PARTICIPANT DETAILS of Institution NOMINATING OFFICER DETAILS Address of Institution Telephone Email Address AICB Membership No (if applicable) Telephone PAYMENT (Must be made before commencement of programme) Payment by TT or Credit Card I enclose the receipt of the Telegraphic Transfer. Bank details are as follows: Pay to: Asian Banking School Sdn. Bhd. Account No: 514084583615 of Bank: Malayan Banking Berhad (Bukit Bintang Branch) Swift Code: MBBEMYKLXXX Address: 42-2, Ground & 1st Floor, Jalan Sultan Ismail, 50250 Kuala Lumpur I authorize ABS to debit my Master Card / Visa Card* for the amount of RM/USD Credit Card No. - - - Expiry Date / (*delete where appropriate) Cardholder s Payment by STF Credit (for GP4 Institutions) Cardholder s Signature (as per credit card) I would like to utilize the STF Credit to pay for the above training programme amounting to RM By checking this box, we hereby agree to allow ABS to deduct the abovementioned amount against our existing STF Credit Balance if it remains unpaid by the date of the training. HEAD OF HUMAN RESOURCE / LEARNING & DEVELOPMENT (for company-sponsored registrations) Signature Designation Company Stamp FOR ABS OFFICIAL USE ONLY Confirmation by Programme Administrator: Invoice No. Signature Date Verification by Accounts Department: STF Credit Availability (Please tick ): Yes, sufficient STF Credit available No, insufficient STF Credit available Claim No. Ref. No. Signature Date

ABOUT ABS The ASIAN BANKING SCHOOL (ABS) is the industry provider of premium professional certification and capability development programmes. Dedicated to developing talent, it specializes in professional banking education and serves as a channel for intellectual content and thought leadership for the banking sector. Created for the industry by the industry and independently run, ABS was built upon the decades-long experience of the Institute of Bankers Malaysia (IBBM) in delivering professional qualifications and training programmes. It was registered in 2012 and after its official launch by Bank Negara Malaysia Governor at the end of 2013, ABS started full operations in August 2015 with Professor Colyn Gardner at its helm as Chief Executive Officer. Professor Gardner was the Founder and Chairman of DC Gardner Group plc, the largest and leading banking training consultancy of its time whose name is still recognised around the world today by the international financial services industry. As the industry s premier partner in learning and development, ABS offers industry relevant training programmes that cover a comprehensive list of banking areas and are designed and developed in-house by our Specialist Training Consultancy Team or in collaboration with strategic learning partners that includes some of the top business schools in the world. It also provides specialised consulting services and tailored learning solutions to meet the specific needs of our clients; with executive education offerings already being planned for in the near future. ABS works closely with the Asian Institute of Chartered Bankers in raising competency standards for the banking industry through the delivery of training and exams for professional qualifications developed and awarded by the professional body. ABS also plays a significant role in enriching the talent pipeline for the financial services sector through the industry recognised Financial Sector Talent Enrichment Programme (FSTEP). Guided by the transformation blueprint for the Malaysian banking education landscape, it is the aim of ABS to innovate the approach of developing talent, and in turn raise the calibre and dynamism of professionals in the industry. For enquiries, please contact: Asian Banking School Level 12, NU Tower 2, Jalan Tun Sambanthan Kuala Lumpur Sentral, 50470 Kuala Lumpur, Malaysia Tel : +603-2742 7822 Email : enquiries@asianbankingschool.com Website: www.asianbankingschool.com Connect with us also on: Asian Banking School Asian Banking School (ABS)