Restructuring Your Bank Loan
15th - 16th Mar 2010,The Legend Hotel,Kuala Lumpur
23rd - 24th Jun 2010,The Legend Hotel,Kuala Lumpur
Dear friend,
Bank has always been the largest creditor of any companies. It often easy to deal with trade creditors, but difficult to appease banker. If only debtor knows how a bank works, then, he will be able to work out proposals to pare down secured or unsecured debts of his company. Rather than going blindly to secure the cooperation of banker, the finance officer, after attending this course, shall be competent to implement or negotiate strategies to settle or revise its existing terms, and apply for further financing to stay afloat. Sometimes we wonder why bank acts so tough, and at other times it cooperates so readily. If bank does not wish to relent, then this module will show the same officer the aids available from Small Debt Resolution Committee so as to quickly pump in new moneys into the heart of his business, or at least receive some indulgences, though not forthcoming from bank, that will save his business from the brink of bankruptcy.
What is this workshop all about?
This workshop is designed to enable you to earn some respects and honors from your banks in honestly working out a restructured scheme, or at least, be prepared for the worst that your bank can unleash upon you or your company when all negotiations break down
This 2 day workshop cover the 4 crucial lessons you that you need in order to restructure your bank loan effectively
Lesson 1: Outlines the guidelines imposed by Bank Negara Malaysia that all banks have to follow, and yet most banks choose to be stringent that often frustrate their customers' efforts on recovering their businesses
- Guidelines on Restructuring of Bank Loans
- Salient features of BNM GP3 Guidelines
- Bank's own preferred treating of Non-Performing Loans
- Bank's efforts to bring down provision of bad loans
- Understand approaches on valuation of assets
Lesson 2: Banks choose the quicker way to collect their NPL, and at the same time resort to simultaneous legal actions. Even with landed property as a collateral, banks still go for bankruptcy and other modes of execution
- Bank's ways to enforce right to demand payment
- Evaluate winding up, appointing receiver manager, executing modes of judgment and foreclosure on collateral
- Enforce trade lines like BA, TR, FX, FBEP and DBEP
Lesson 3: Show some proven negotiations on loans restructuring that can be adopted, and some of these can be swift and cheap to follow
- Walk through situations on hair-cuts for performing and non-performing loans
- Views of landmark court cases on restructuring
- Bank's ways of restructuring schemes of payment
- Ways to revive abandoned housing schemes
Lesson 4: Convince the banks with proper business plans that show the ability of their customers to pare down debts and repay them. If this fails, SMEs can resort to Small Debt Resolution Committee for financial assistance
- SWOT/Five Forces Analyses supporting restructuring
- Implement Cash Flow, Projected Profit & Loss and Projected Balance Sheet
- Discount Cash Flow prefers early/immediate payment
- Avail to assistance from CGC Flexi-Guarantee or Small Debt Resolution Committee (SDRC)
Why this workshop?
You will learn the 7 essentials skills to deal with your bankers effectively.
You will learn how to:
- Appreciate that all banks have to strictly adhere to BNM GP3 Guidelines on NPL
- Work around these guidelines to your advantages, rather than the banks' preferences
- Expect the worst that the banks can do to recover the non-performing loans from you and your guarantors
- Negotiate with the banks confidently, rather than be threatened
- Extricate as much haircuts as you can, which depend on the stage of legal recovery
- Look at some legal-landmark precedents and other case situations that are not in favor of the banks
- Gain assistance from the Small Debt Resolution Committee
What others have to say after they have attended this workshop
“The course is good and helpful”
Chung Soo Beng, Hunter Douglas (M) Sdn Bhd
“Informative and good personal experience from the speaker”
Wilson Wong, Schenker Logistics (M) Sdn Bhd
“Overall an interesting training course”
Tin Swee Ting, SCIB Concrete Manufacturing Sdn Bhd
“Job well done”
Chong Kim Cheng, WRP Specialty Products (M) Sdn Bhd
Course Leader
aGEE Lee has more than 22 years of experience in the commercial banking in Malaysia and has worked in Malayan Banking Berhad and seconded to Kwong Yik Bank Berhad in 1980 to set up a Legal Documentation Department.
He started as a trainee officer moving up to Branch Manager, Loan Manager managing Corporate and Commercial Loans and finally as Head of Loan Recovery Division bringing down NPLs to RM65m from RM800m.
He also worked in a property development company, then constructing a condominium and Nilai 3, for 2 years, and involved in a manufacturing company before working for 2 years in a construction company, executing federal contracts on roads, schools and colleges, in Kota Kinabalu, Sabah.
Besides marketing and approving the commercial loans, he was instrumental in setting up the Loan Recovery Section supervising about RM1.9b NPLs and was involved in structuring loans and lecturing modules on debt collecting and legal documentation on securities for 13 years.
His last appointment was with Hong Leong Bank Berhad in 2003/4 as Head of Remedial Management Department.
Agee Lee holds Honours Degree in Economics (major in Business Administration) from Universiti Malaya, Associate of Institute of Bankers (London), Diploma in Marketing Management (NPC) and Certificate in Financial Planning (MII).
He is now a Training Consultant for IBBM, MIA and Banks in Malaysia and Vietnam. Currently he has been giving talks on practical topics that will boost skills and confidence of participants.
Who Should Attend
Finance / Credit / Account Managers, Executives, Finance Controllers, Accountants & Company Secretaries, CEOs, MDs, Company Directors & Business Owners, Business & Finance Consultants
Workshop Size
Registration is strictly to the first 25 people. This cannot be altered. If the past is any indication of the future, spaces fill up very quickly. If you are interested in attending, call us now or download the registration form here and fax it back to us at ++6 03 40235716.
HRDF Claimable
This workshop is claimable under the HRDF SBL Scheme. Checks with your department to make sure you are eligible.
Tax Deductibility
In all likelihood this seminar is tax deductible. Check with your accountant to be sure.
Workshop Investment $$
RM 1190.00 per delegates. This includes all workshop materials. Lunch will be provided.
Early Bird Offer!!
If you register yourself EARLY, you will enjoy a discount of 5%. For more information, please refer to the registration form here.
Group Discount!!!
If you register in group of 3 persons or more, you will enjoy additional 5% discount, and if your group are 5 persons or more, you will get a much greater discount of 7%, and 10% discount shall be entitled for group of 8 persons or more. So get your friend or colleagues to register with you!
100% Satisfaction Guaranteed
We understand that some of you don't know us. That is why we make this workshop a 100% satisfaction guaranteed. If for any reason whatsoever you don't feel like you have received more than your money worth by lunch break, simply hand in your materials for a complete 100% refund. No weasel clauses, no hassles, no questions asked. We won't lie, as rarely we have to make refund to our participants; however it is our integrity which makes our business successful.
If you like what you have gone through so far, you may register yourself by downloading the full brochure here, and fax the registration form back to us at ++6 03 40235716. And if you happen to have some friends or colleagues who are looking for ways to restructure their bank loans, please forward this link to them.
Yours Sincerely,
BIZFinanceSeminar.com
Tel: ++6 03 40216000
Fax: ++6 03 40235716
Email: bfs@bizfinanceseminar.com
