Introduction to Bank Lending Environment
- Price: US$ 100.00
- Publisher: KESDEE
- Number of modules: 7
- Length: 7 hours
- Language: English
- Subscription: 12 months
Want to learn how the lending function of a bank works?
This course covers the principles, forms and types of lending that a commercial bank provides. You will learn about the importance of credit and its role in economic growth. You will also gain an in-depth knowledge of working capital and how to optimize it.
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Introduction to Bank Lending Environment
Seven Modules of one hour each
1. Economic Growth and the Importance of Credit
- Effect of credit and inflation on the economic growth of an economy
- Credit crunches and their consequences
- Importance of credit in stabilizing the financial system
2. Commercial Lending
- Important functions of commercial banks viz. lending and accepting deposits
- Principles of lending and the eligibility criteria for loan grants
- Three C's of credit and the enhanced three C's of credit
- The types of loans and advances that are granted by banks
- Characteristics of good collateral
3. Working Capital
- Working capital and net working capital
- Current assets and current liabilities
- Optimum working capital
- Assessing working capital
- Credit limits available as working capital
4. Bills and Letters of Credit
- Types of bills and letters of credit
- Methodology for scrutinizing bills
5. Lending Against Shares
- Market capitalization
- Types of ratios
- Operations of primary and secondary markets
6. Lending Against Real Estate
- Challenges faced by the housing finance industry
- Different types of housing loans
- Importance of credit appraisal before disbursing a housing loan
- Different types of mortgages
7. Term Loan
- Components of capital
- Various types of leverage
- Concept of cost of capital and valuation
- Types of long-term funding
