HOUSING FINANCE EXPERTISE

AN INVITATION TO THE WORLD OF

3 - 10 December, 2017

Regd. Office: Ramon House, 169, Backbay Reclamation, H T Parekh Marg, Churchgate, Mumbai - 400 020. India

Phone: 91 (022) 6631 6000, 2282 0282website: www.hdfc.com

Plot No. 167A, TPS No.1, Tungarli Road, Lonavla 410 401. India.

Phones: 91(02114) 273812, 273820, 275012Fax: 91(02114) 273303.

Contact: Mr Beeyo Isaac

For more details please contact:

Mr Conrad D’ SouzaMember of Executive ManagementTel: 91-22-22873123email: conrad@hdfc.com

Mr Suraj BhadsavaleDeputy General Manager and Head - HRD & CHF Tel: 91-22-66316116email: suraj@hdfc.com

CREATING VALUETHROUGH COMPETENCEWhen it comes to the housing finance sector in India, one name stands out distinctively: Housing Development Finance Corporation Limited (HDFC), India - a market leader and an innovator. We have consistently revised the benchmarks of housing finance products and services.

Being a pioneer and leader in a nascent market has not stopped us from aspiring for challenging goals. The World Bank considered us a model private sector housing finance company in developing countries. We provide consultancy services and technical assistance for new and existing institutions. Our executives undertake consultancy assignments related to housing finance and urban development directly or on behalf of international agencies worldwide.

We also share our expertise through Training Programmes at our Training Centre in Lonavla, India or at the client's location. Delegates from several countries have benefited from participating in these programmes.

Since 2008, Frankfurt School of Finance & Management and HDFC have jointly organised the annual 'Housing Finance Summer Academy' in Germany.

Our executives help formulate national housing policies and strategies. In fact, we have been invited by the Government of India to join a number of committees and task forces related to housing finance, urban development and capital markets – a task that we are proud to be part of.

TECHNICAL ASSISTANCE (TA)

The objective of the TA is to offer specific deliverables and support the client in all aspects relating to mortgage finance operations which include loan origination and recoveries, marketing and distribution strategies, accounting and management information systems, resource mobilisation and information technology support.

Under the TA programme, HDFC deputes experts in the identified operating areas who would review and advise the client on products, systems and procedures, including developing new products and designing marketing strategies.

These experts would visit the client and work closely with its officials to understand the external environment in which the client functions and thereafter make recommendations vis-a-vis strategies, products, policies, systems and procedures.

Our training facility, Centre for Housing Finance (CHF), is located 120 kms from Mumbai, in the tranquil environs of Lonavla, a hill station, 2,000 feet above sea level.

Some of the key features of our Centre are:

CENTRE FORHOUSING FINANCE

State-of-the-art technology in the training rooms

Syndicate rooms for group work

Well-equipped library

Residential accommodation that provides comfort and relaxation

Dining facilities offering a variety of cuisine

Indoor and outdoor recreation facilities

PROGRAMME OUTLINE

CURRENT PROGRAMME

The week long residential programme on Housing Finance Management encompasses all the prime functions pertaining tohousing finance. Through specialised modules, the programme will focus on housing finance best practices, credit evaluation, emphasis on customer needs, product development, marketing, managing competition and distribution channels, effective internal control systems and mechanisms, resource mobilisation and risk management systems. In addition, a field visit to an HDFC office will give participants a practical perspective of the housing finance business.

Housing Finance Management - 2017 (HFM-2017)December 03 - 10, 2017 at CHF, Lonavla, India.

Fees:

USD 4,000* for first participant.

USD 3,750* from second participant onwards from the same institution.

The fees are inclusive of accommodation, meals, training costs, course material and to and fro airport transfer.

Note: Accommodation will be on a twin sharing basis. For single occupancy** an additional amount of USD 1,000 plus service tax will be charged

*Plus IGST** Subject to availability

Friday, December 08, 2017 • Corporate Functions – Management Information Systems• Business Strategy and Budgeting• Managing Service Delivery Processes

Saturday, December 09, 2017 Resource Mobilisation Risk Management Systems Open House Session

Sunday, December 10, 2017 Departure from CHF, Lonavla

Sunday, December 03, 2017 • Assembling & Bonding

Monday, December 04, 2017 • Introduction to the programme• Overview of Housing Finance• Loan Origination and Assessment of Risk

Tuesday, December 05, 2017 • Product Development, Marketing and Distribution

Channels• Legal and Technical Appraisal• Developer/Builder Relationships and Products

Wednesday, December 06, 2017 • Loan Accounting Practices – Systems and Controls• Credit Risk Management• Process Development for Efficient Credit Risk

Management

Thursday, December 07, 2017 Overview of a regional structure Day visit to an HDFC office

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We also custom-design training programmes based on specific organisational needs.

Our training programmes are specially designed to be a blend of learning and practical experience. We offer a variety of training courses for senior and middle-level management executives and line staff.

Some key programmes offered are:

OUR EXPERIENCEMAKES THE DIFFERENCE

Housing Finance Management

Loan Origination and Credit Risk Management

Managing Customer Service in Financial Organisations

Building High Performance Teams

Resource Mobilisation - Issues in Managing and Marketing

Training the Trainers - A Multi Dimensional Workshop

WHAT OUR PARTICIPANTS SAID...

This is a very special course because it not only enhances one's knowledge on housing finance but also showcases how the HDFC staff delivers world class service. The course material was very comprehensive covering all aspects in housing finance including HR development and service excellence which is useful in our daily life.

In this programme all facilitators gave me real life examples that are applicable & relevant. All sessions & materials were customized as per participants and markets.

My experience at HFDC put the meaning of running and managing a Property or Housing Company into perspective. HDFC has created a Housing 'Toolbox' for current and future managers. This programme should form a benchmark for similar programmes globally.

My visit was at a time when our company's five year strategy was due. The learning helped enhance our strategy. Lessons are relevant and replicable. The Faculty have discovered and perfected the 'Language of Excellence'.

Winnie ImanyaraHousing Finance, Kenya

The training served as a source of great knowledge and skill acquisition. The resource persons were highly experienced and skilled in their fields. I am eager to attend more such training programmes. Even though the days were short for the course, my desire will be to understand your operations for at least a month, acquiring more hands-on experience. Nevertheless, with my management's approval we will cause a change NOW!

John Agyarko, HFC Bank Ltd., Ghana

I was worried (scared) initially about going to India. The team at HDFC has buried that fear really well. Everything in the programme was well co-ordinated that you may have thought that the US president was in town. I arrived at the complex at 4am, greeted by the friendly staff and an interesting beverage. The hospitality was the best I've yet experienced. Everything was taken care. The visits to various off-sites were very pleasant and aided the whole picture of India and HDFC's business. The course content was excellent and interactive. The presenters were world-class. It has certainly opened the world for me to see how banking/housing is conducted in India as well as the other countries represented. Thank you to everyone involved !!!

As a first time visitor to India to attend this programme, I was quite impressed with the high level of organization of the organizers.

The faculty officials/ course presenters all did a marvelous job in that the course was more of a practical session which took into consideration our on the job experiences as against the usual theoretical approach to the 'ideal of Housing Finance Management'.

The organization and reception at the training centre throughout our one week stay was equally commendable as we were meant to feel quite at home despite the rigors and stress of the course.

Yusuf Abdul - Lateef AminuUnion Homes Savings & Loans PLC, Nigeria

Andrzej SzandaFNB Housing Finance, South Africa

Eric SeguyaHousing Finance bank Limited, Uganda

Evie DeiraPT Sarana Multigriya Finansial (Persero), Indonesia

Alexander Forbes Tanzania Ltd, Tanzania

Alliance Housing Bank, Sultanate of Oman

Aso Savings & Loans Ltd, Nigeria

Azania Bank Ltd, Tanzania

Bank of Zambia, Zambia

Bank Indonesia, Indonesia

Bank M Tanzania Ltd, Tanzania

Bank Soyuz, Russia

Banque Commercial Du Rwanda, Rwanda

British American Mortgage Finance House Company Ltd, Mauritius

BTN Bank, Indonesia

Delta Brac Housing Finance Corporation Ltd., Bangladesh

Development Finance Corp. of Uganda, Uganda

Domenia Credit, Romania

East African Building Society, Kenya

Ecobank, Ghana

Ecobank Transnational Incorporated (ETI), Lomo Togo

Egyptian Housing Finance Company, Egypt

Federal Ministry of Environment & Housing, Nigeria

FNB Housing Finance, South Africa

Government Housing Bank, Thailand

Habib Bank, Pakistan

Home Finance Company Limited, Fiji Island

Home Finance Company, Ghana

Housing Development Finance Corp. Plc, Maldives

Some organisations that have participated in our programmesHousing Development Finance Corporation, Sri Lanka

Housing Finance, Kenya

Housing Finance Bank Limited, Uganda

INDEBANK, Malawi

Industrial Development Leasing Company, Bangladesh

International Finance Corp, Kenya

IPDC of Bangladesh Limited, Bangladesh

Lanka Bangla, Bangladesh

Mauritius Housing Company Limited, Mauritius

National Development Bank, Sri Lanka

National Social Security Fund, Tanzania

Pt Sarana Multigriya Finansial, Indonesia

PT. Bank Central Asia, Tbk, Indonesia

PT. Bank DKI, Indonesia

PT. Bank Mandiri (Persero), Tbk, Indonesia

PT. Bank Permata, Indonesia

PT. Bank Tabungan Negara (Persero) Tbk, Indonesia

RAKBANK, Dubai

Rakiyat Bank, Indonesia

Sakana Holistic Housing Solutions, Baharain

Shamballa Finance S.A., Benin

Shivcom Group of Companies Ltd, Tanzania

State Mortgage & Investment Bank, Sri Lanka

TAH Capital, South Africa

Tamweel Mortgage Finance Co, Egypt

Union Homes Savings & Loans Plc, Nigeria

Zambia National Building Society, ZambiaThe programme gave me lot information about the best practices, new knowledge, information about the Housing Finance

I WayanPt.Bank Tabungan Negara ( Persero), Tbk, Jakrata.