The rise in household threatens Asian economies. Today, Asia is paramount to household debt surpassing others. According to data, no major economy has decreased its debt-to-GDP ratio since great recession in 2007. In fact rather than reducing indebtedness or deleveraging, most major economies today such as; Australia, Canada, Denmark, Sweden, Netherlands, as well as Malaysia, South Korea and Thailand have higher levels of borrowing relative to GDP than they did in 2007.Let us introduce you to the leading minds from the government executives, policy makers, economists, bankers and related expert to devise plans in curbing the rising household debt challenges and to provide substantial long-term solutions. Join us at 2nd Annual Consumer and Household! For registration/inquiry, please contact: Corin Tan Project Manager - Marketing Tel: +603-2775 0000 (ext 510) Email: corint@trueventus.com

1. 20%
40%
80%
60%
89%
87%
Consumer and Household Debt
2nd
Annual
22nd
-23rd
February 2017 | Hotel Fort Canning, Singapore
REGISTER NOW
Until 31st of December
ENJOY EARLY BIRD PRICE

2. EVENT HIGHLIGHTS
Meet the Regulators-Q&A
You have questions – They have answers
Interactive Panel Discussion : Country Specific Action Plans
Diving deep into county specific tools needed for monitoring, and managing household debt
Connecting the Dots: Elevated Household Debt and the Risk to Financial Stability
Assessing risks to financial stability
Battling The Darkness- Shadow Banking
Combating non formal and shadow banking debt across Asia
Gain Insight On The Current Regulatory Environment
Tightening and scrutinising lending regulation
Review Your Social Security Systems
Asian governments needs to take closer look at their social security systems-appears to be inade
quate and trails social safety nets in advanced economies
PG. 1
EVENT OVERVIEW
The rise in household threatens Asian economies. Today, Asia is
paramount to household debt surpassing others. According to
data, no major economy has decreased its debt-to-GDP ratio
since great recession in 2007. In fact rather than reducing indebt-
edness or deleveraging, most major economies today such as;
Australia, Canada, Denmark, Sweden, Netherlands, as well as
Malaysia, South Korea and Thailand have higher levels of borrow-
ing relative to GDP than they did in 2007.
This has left us with the questions of how is the level of household
debts across the region, whether this debt levels can be sustained,
and if so, what are the remedies put in place to control debt levels
and could Asia’s debt torpedo growth? These are question to
which there may be no easy answers.
Let us introduce you to the leading minds from the government
executives, policy makers, economists, bankers and related expert
to devise plans in curbing the rising household debt challenges
and to provide substantial long-term solutions. Join us at 2nd
Annual Consumer and Household!
“Debt-to-GDP ratios have built up rapidly across Asia and may start impeding
growth. Asian governments, corporations, and households have accumulated
debt worth 205% of total annual economic output”
-McKinsey Global Institute (MGI)
WHO SHOULD ATTEND
This conference is designed for
but not limited to:
• Policy-makers, Regulators,
• Government Representatives,
• Economists
• Credit Management Firms
• Credit Rating Agencies
• Retail & Consumer Banks
• Risk & Financial Consultants
• Debt recovery
• Debt Collection Firms
• Risk management
• Credit control, support and
strategy
• Banking collection
• Strategy and regulation
• Consumer affairs
2nd
Annual Consumer and Household Debt
22nd
-23rd
February 2017 | Hotel Fort Canning, Singapore
Tackling household dilemma in fostering economic growth
Corin Tan
T: +603 2775 0000 ext 510 | M: +6012 882 3310 | E: corint@trueventus.com
For further details, contact

3. Dr. Nirwan bin Noh
Head, Monetary and Prices Section
Fiscal and Economics Division
Ministry of Finance Malaysia
Speaking on: Government action plan for household
debt relief- APAC perspective
Nor Fazleen Zakaria
General Manager
The Credit Counselling and Debt Management
Agency (AKPK), Malaysia
Speaking on: Financial behaviour of young corporate
citizen's
Santitarn Sathirathai
Head of Southeast, Asia and India
Credit Suisse, Singapore
Speaking on: Bringing light upon the shadow:
Nonbank lending’s grows in Asia- How big, and How
risky?
Chidu Narayanan
Asia Economist
Standard Chartered, Singapore
Speaking on: Monetary policy consolidation: Risks of
household debt to banks as the economic cycle shifts
Eugenia Fabon Victorino
Economist
Australia and New Zealand Banking Group (ANZ),
Singapore
Speaking on: Examining the leading indicator’s driving
the increase in household debt
Naris Sathapholdeja
Senior Vice President Team Head of TMB Analytics
(Head Economist), Strategy and Transformation Group
TMB Bank Plc., Thailand
Speaking on: Loan to value ratio's in relation to property
debt- Banking perspective
Ku Swee Yong
Chief Executive Officer
International Property Advisor Pte Ltd., Singapore
Speaking on: How much is too much?-Household debt
impact on the property market
Manokaran Mottain
Chief of Economist
Alliance Bank, Malaysia
Dr. Mohd Afzanizam Abdul Rashid
Chief Economist
Bank Islam Malaysia Berhad, Malaysia
Speaking on: Waqaf as catalyst for household debt
deleveraging
Dr Arup Raha
Chief Economist
CIMB, Malaysia
Speaking on: Stress testing the banking system:
Assessing household debt
Akrur Barua
Economist and Manager
Deloitte, India
Speaking on: Household debt- The blessing and the
curse
PG. 2
FEATURING PRESENTATIONS AND CASE STUDIES BY DISTINGUISHED EXPERTS:
2nd
Annual Consumer and Household Debt
22nd
-23rd
February 2017 | Hotel Fort Canning, Singapore
Tackling household dilemma in fostering economic growth
Tok Yoke Wang
International consultant economist
International Monetary Fund (IMF) - Singapore
Regional Training Institute, Singapore
Speaking on: The role of macroprudential policies-
Creating financial stability in a low or negative interest
rate environment
Corin Tan
T: +603 2775 0000 ext 510 | M: +6012 882 3310 | E: corint@trueventus.com
For further details, contact

4. PG. 3
2nd
Annual Consumer and Household Debt
22nd
-23rd
February 2017 | Hotel Fort Canning, Singapore
Tackling household dilemma in fostering economic growth
Registration and coffee
Opening address by chairperson
Session One
Stress testing the banking system: Assessing household
debt
• Examining the framework used to assess the resilience of
household which play critical role in ensuring the bank’s growth
• Analysing different stress test scenario for household
and its impacts to the banking system
• Exploring the actions taken by the bank after the result of the
stress test
Dr Arup Raha Chief Economist
CIMB, Malaysia
Session Two
Household debt- The blessing and the curse
While a high ratio of debt to net worth does not itself signify a
problem for a country, it does appear to send a warning signal
when combined with rapid growth in household debt
• Are household debt levels sustainable?
• How much household debt is needed to oil the wheels of
economic progress without precipitating the crises of confidence?
• Discussing the impact of household debt to the countries and
the consumers
Akrur Barua Economist and Manager
Deloitte, India
Morning refreshments
Session Three: Panel Discussion
Examining the leading indicator’s driving the increase in
household debt
What has driven the increase in household debt: a real estate
boom, rising inequality, or both?
• Investigating the drivers for household debt
• Providing insight on how and why the drivers for household
debt emerges
• Expanding understanding of macroeconomic phenomena
linked to household debt such as financial and economic crisis
and recovery
Panelists:
Eugenia Fabon Victorino Economist
Australia and New Zealand Banking Group (ANZ), Singapore
Session Four
Monetary policy consolidation: Risks of household debt
to banks as the economic cycle shifts
• Understanding the relationship between household debt and
the depth of economic downturns?
• Scrutinising the key factors underlying the build-up in house
hold debt
• Investigating the antecedent that triggered household
deleveraging
• Reviewing real life reasons gross household debt can deepen
and it’s impact on economic
Chidu Narayanan Asia Economist
Standard Chartered, Singapore
Luncheon network
0800
0850
0900
0945
1030
1100
1145
1230
Day One: Wednesday, 22nd February 2017
Session Five: Think Thank Session
Government action plan for household debt relief- APAC
Perspective
• What can governments do to support growth when household
debt becomes a problem?
• Discussing on government policies that can help prevent
prolonged contractions in economic activity by addressing the
problem of excessive household debt
• Bank Negara: Measures to curb household debt effective
• New credit rules by Monetary Authority of Singapore (MAS)
Panelists:
Dr. Nirwan bin Noh
Head, Monetary and Prices Section
Fiscal and Economics Division
Ministry of Finance Malaysia
Session Six
Financial behaviour of young corporate citizen’s
• Analysing the young corporate’s expenditure behaviour
• Tackling credit card debt collection issues
• Exploring the strategies for managing salary effectively
Nor Fazleen Zakaria General Manager
The Credit Counselling and Debt Management Agency
(AKPK), Malaysia
Afternoon refreshments
Session Seven
Financial behaviour of “silver generation”
• Examining the financial behaviour of the retiree
• Assessing the risks to financial security in retirement scheme
• Deliberating the elements that need to be taken into
consideration to manage finance upon retiring
Speaker to be advised
Session Eight
Setting up comprehensive databases to enhance time
series monitoring and analysis of household debt market
• Addressing the need for the enhancement of monitoring and
analysis of household debt market
• What are the tools and principles required for the database?
• How do the analyst use the database and analyse the house
hold debt market?
Eugenia Fabon Victorino Economist
Australia and New Zealand Banking Group (ANZ), Singapore
End of day one
1400
1445
1530
1600
1645
1730
Corin Tan
T: +603 2775 0000 ext 510 | M: +6012 882 3310 | E: corint@trueventus.com
For further details, contact

5. PG. 4
2nd
Annual Consumer and Household Debt
22nd
-23rd
February 2017 | Hotel Fort Canning, Singapore
Tackling household dilemma in fostering economic growth
Registration & coffee
Opening address by chairperson
Session One
The role of macroprudential policies- Creating financial
stability in a low or negative interest rate environment
• Explaining the principle behind the macroprudential policies
• How will the re-pricing of interest rates and risk premia in the
medium term affect financial markets and global growth?
• How does the low or negative interest rate impact the rate of
household debt?
Tok Yoke Wang
International consultant economist
International Monetary Fund (IMF) - Singapore Regional
Training Institute, Singapore
Session Two: Panel Discussion
Diving Deep: Household deleveraging and saving rates:
A cross-country analysis
• Observing country specific household borrowing trends
• Comparing the deleveraging and saving rates of each
countries
• Evaluating the impact of household debts to the citizen’s
lifestyle in each countries
• Discussing the measure taken by each countries to lower the
percentage of household debts
Speaker to be advised
Morning refreshments
Session Three:
Analysing the growing challenges of household debt in
Korea
• What are the factors driving the rise of household debt in
Korea?
• What are the challenges or impacts cause household debt in
Korea?
• What are the steps taken by Korea government to overcome
this problem and how effective are they?
Speaker to be advised
Session Four: Panel Discussion
Bringing light upon the shadow: Nonbank lending’s
grows in Asia- How big, and How risky?
• Examining the trend of shadow banking in different countries
• Assessing the impact of shadow banking to the countries’
economy
• Suggesting possible solution to overcome the problem of
shadow banking
Santitarn Sathirathai Head of Southeast, Asia and India
Credit Suisse, Singapore
Networking luncheon
0800
0850
0900
0945
1030
1100
1145
1230
Day Two: Thursday, 23rd February 2017
Session Five
How much is too much?-Household debt impact on the
property market
• Providing insight on the current property market in term of
the house price and people’s demand
• Explaining the relationship between household debt and
property market
• Reviewing possible actions that can be taken to ensure that
the property market will not be negatively affected by the
rise of household debts among its potential buyers
Ku Swee Yong Chief Executive Officer
Century 21 Singapore, Singapore
Session Six
Loan to value ratio's in relation to property debt-
Banking perspective
• Measuring how banks determine the value ration of loan
related to property?
• What are the conditions set by the bank before allowing
loans for property?
• Why is it important for bank to set accurate value ratio for
loans related to property?
Naris Sathapholdeja Senior Vice President Team Head of
TMB Analytics (Head Economist), Strategy and Transformation
Group
TMB Bank Plc., Thailand
Afternoon refreshments
Session Seven: Panel Discussion
Enhancing awareness: Promoting financial management
education
• Highlighting the importance of financial management
education among the citizen
• What are the obstacles faced by the agencies or government
in promoting financial management education?
• Exploring the actions taken by the agencies or government in
enhancing awareness among the citizen to manage their
inance effectively
Speaker to be advised
Session Eight
Growing risks in Islamic finance -Cooling demand for
Islamic mortgages
• Explaining the principle governing Islamic mortgages and
how it differ to the other mortgages
• Unravelling the factors that lead to the cooling demand of
Islamic mortgages
• Discovering the impacts of cooling demand for Islamic
mortgages
Speaker to be advised
End of conference
1400
1445
1530
1600
1645
1730
Corin Tan
T: +603 2775 0000 ext 510 | M: +6012 882 3310 | E: corint@trueventus.com
For further details, contact

6. PG. 3PG. 5
2nd
Annual Consumer and Household Debt
22nd
-23rd
February 2017 | Hotel Fort Canning, Singapore
Tackling household dilemma in fostering economic growth
1
2
3
4
5
ATTENDEE DETAILS
Job TitleName
EmailTel
Job TitleName
EmailTel
Job TitleName
EmailTel
Job TitleName
EmailTel
Job TitleName
EmailTel
COMPANY DETAILS
IndustryName
Address
CountryPostcode
FaxTel
PAYMENT DETAILS
Payment is due in 5 working days. By Signing and returning this form, you are accepting our terms and conditions.
Please debit my: VISA MasterCard
Card Number
CVC/CVV2
Card Issuing Bank:
Cardholder’s Name:
Card Issuing Country:
Expiry Date: / /
Cardholder’s Signature: Cardholder’s Email:
This three-digit CVC/CVV2 number is printed on the signature panel on the back of the card
immediately after the card’s account number.
APPROVAL
NB: Signatory must be authorised on behalf of contracting organisation.
Job TitleName
Email
FaxTel
Authorising Signature
1. The course fee is inclusive of the event proceedings,
materials, refreshment and lunch.
2. Upon receipt of the complete registration form, invoice will
be issued. Trueventus request that all payments be made
within 5 working days of the invoice being issued. Full
payment must be received prior to the event. Only delegates
that have made full payment will be admitted to event.
Clients are responsible for their own banking fees and
banking fees will not be absorbed into the booking price.
3. Substitution & cancellations policy. Should the registered
delegate is unable to attend, a substitute delegate is
welcome at no extra charge. Written notifications of all
substitutions is required 5 working days prior to the event.
Trueventus contracts carry 100% full liability upon receipt of
registration. Non payment does not constitute cancellation.
A 100% of cancellation fee will be charged under the terms
outlined below: Due to limited event seats, Trueventus
agrees to book and confirm the seat for the client upon
issuance of invoice. Upon signing of this contract, client
agrees that in case of dispute or cancellation of this contract
Trueventus will not be for total contract value. If a client does
not attend the event without written notification at least 5
working days prior to the event date, he/she will deemed as
no show. A no show at the event still constitutes that the
client will have to pay the invoice amount that was issued to
them. Trueventus does not provide refunds for cancellations.
By signing this contract the client also agrees that if they
cancel that Trueventus reserves the right to pursue monies
owned via the use of local debt collection agency were the
client is situated. Furthermore the client will be held liable
for any costs incurred in collection of outstanding monies.
When any cancellations are notified in writing to Trueventus
5 working days prior to the event, a credit voucher will be
issued for use in future Trueventus events.
4. Trueventus will at all times seek to ensure that all efforts are
made to adhere to meet the advertised package, however
we reserve the right to postpone, cancel or move a venue
without penalty or refunds. Trueventus is not liable for any
losses or damages as a result of substitution, alteration,
postponement or cancellation of speakers and / or topics
and / or venue and / or the event dates. If force majuere
were to occur Trueventus accepts no responsibility or liability
for any loss or damage caused by events beyond their control,
including, but not restricted to strikes, war, civil unrest, flight
delays, fire flood, or any adverse weather conditions. Trueventus
under no circumstances is liable for any other costs that
might have been incurred in the attendance of the event,
including but not limited to flights, accommodation, transfers,
meals etc. Trueventus reserves the right to replace / change
speakers in the best interest ofthe conference.
5. Upon receiving this signed booking form, you the client
herby consent to Trueventus to keep your details for the use
of future marketing activities carried out by Trueventus and
third party organisations & partners.
6. Copyright and Intellectual Property. Any redistribution or
reproduction of part or all of the contents in any form in
connection to this event is prohibited without prior written
consent by Trueventus.
7. Client hereby agrees that he/she exclusively authorizes
Trueventus charged the credit card with details listed above
for the amount provided herein; this registration form serves
as a contract that is valid, binding and enforceable. He/she
at any time will have no basis to claim that the payments
required under this Contract are unauthorized, improper,
disputed or in any way. Upon issuance of invoice Trueventus
will be charging the client USD 30 processing fee.
TERMS & CONDITIONS
HRDF claimable under SBL scheme
HRDF Approved Training Provider Reg No: 889325K
(Applicable for Malaysia only)
REGISTER NOW
COURSE FEES
All options inclusive of delegate pack, luncheon and refreshments. SG-BF150
Before 31st December 2016
1st January 2017 onwards USD 2295
USD 1695
Corin Tan
T: +603 2775 0000 ext 510
E: corint@trueventus.com
Take a Snapshot or Scan and Email us
Corin Tan
T: +603 2775 0000 ext 510 | M: +6012 882 3310 | E: corint@trueventus.com
For further details, contact