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Banking Credit Analysis Process (for Bankers)
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Why Credit Analysis Required
Know Your Customers
Know Customer Integrity
Know Performance Efficiency
Know Financial Position and ability to Pay Back
Know about Industry
Legal and Valuation of Securities
Why Past Loans Matter
Financial Statements
Income Statement and Balance Sheet
Financial Statement Making Process
Difference between Income, Liability, Expense and Assets
Sources and Uses of Funds
Profit and Cash
Structure of Balance Sheet
What is important in Reading Balance Sheet
Second Balance Sheet Reading Skill Understanding Liquidity Position
Third Balance Sheet Reading Skill - Performance Measurement
Introduction to Ratio Analysis (Talking Head)
Classification of Ratio (Talking Head)
Introduction to Liqudity Ratio (Talking Head)
Classification of Liqudity Ratio (Talking Head)
Current Ratio (Talking Head)
Quick Ratio (Talking Head)
Ideal Current Ratio and Quick Ratio (Talking Head)
Basic Absolute Liquid Ratio
Basic Defense interval Ratio (Talking Head)
Capital Structure Ratio (Equity Ratio)
Capital Structure Ratios (Debt Ratio)
Capital Structure Ratios (Debt to Equity Ratio)
Coverage Ratios (DSCR)
Interest Coverage Ratio
Preference Dividend Coverage Ratio
Capital Gearing Ratio
Capital Turnover Ratio
Activity Ratios
Fixed Assets Turnover Ratio
Total Assets Turnover Ratio
Working Capital Turnover Ratio
Inventory Turnover Ratio
Inventory Holding Level
Debtors Turnover Ratio
Average Collection Period
Creditors Turnover Ratio
Average Payment Period
General Profitability ratios
Gross Profit Ratio
Operating Ratio
Operating Profit Ratio
Expense Ratios
Net Profit Ratio
Overall Profitability Ratios
Return on Assets.mp4
Return on Capital Employed
Return on Share Holders Funds
Return on Equity Share Holders Funds
Earnings Per Share
Cash Flow Earnings
Dividend Per Share
Dividend Pay Out Ratio
Dividend Yield Ratio
Illustration on Return on Equity Share holders Funds
Fund Flow Analsyis Introduction
Fund Flow Analysis Example
Uses of Fund Flow Statement
Fund Flow Analysis Case Study 4
Fund Flow Statement Real Case
Cash Flow Introduction
Cash Flow Activities
Cash Flow Operating Activities
Cash Flow Investing Activity
Cash Flow Financing Activity
Types of Bank Loans for Business
Bank Loans for New Projects
Loans available in banking channel
Working Capital Loans
Cash Credit
Tandon Committee Recommendations on Working Capital Assessment
Working Capital Assessement as per Nayak Committee
Understanding Cash Credit
Cash Credit Example
Cash Credit
Assessment of Cash Credit - ABF Method
Assessment of Cash Credit - Conservative Method
Drawing Power Computation from Stock Statement
What and Why of Non Fund Based Credit Facilities?
Letter of Credit
LC Computation
What and Why of Non Fund Based Credit Facilities?
Letter of Credit
Parties involved in Letter of Credit
Documents involved in Letter of Credit
Types of Letter of Credit
General aspects related to LC
Assessment of Letter of Credit
What is Bank Guarantee?
Types of Bank Guarantees
Bank Guarantee
Types of Bank Guarantee
Advance Payment Guarantee
Appraisal and Assessement o BG Limits
What is Bid Bond Guarantee?
Maintenance bond / guarantee
What is Retention Money Guarantee?
What is Advance payment Guarantee?
Basics of Project Report
What is Project Viability
Project Viability - Case Study
Term Loan Appraisal By Banks
Term Loan - Nature of Project
Cost of Project and Means of Finance
Term Loan
DSCR Computation in Term Loan
FOIR Computation in Term Loan
Term Loan Eligibility Calculation
Why Business entities should go for Term Loan?
Cost of Project
Land Cost
Building Cost
Plant and Machinery Cost
Preliminary and Preoperative Expenses
Other Cost and Interest duirng Implementation
Provision for Contingency
Break Even Analysis
Break Even Point Example
Break Even Point Graph
Break Even Test by Bankers
Cash Break Even Analysis
ECRA
Default
Credit Rating Scale
Importance of Credit Rating Scale
Credit Scoring & Credit Score
What is Good Credit Score?
Factors affecting CIBIL Score
What is CIBIL?
How to improve Credit Score?
What is CIBIL Score?
Reasons for Poor Credit Score
Mistakes in Credit Scoring
How to correct your Credit Score?
Why Bankers reluctant to sanction Working Capital Facility?
Why Bankers are running after seeing this Balance Sheet?
Why Current Ratio of atleast 1.33 is insisted by Bankers?
What are Current Assets and Current Liability?
How Bankers Understand Long Term Stability of Business?
Return on Investment Case Study
Importance of Debt to Equity Ratio
Preference Share Capital
Why Banks are insisting on Margins on Loans
Why Banks insist on Financial Statements
How Sales analysis made by Banker
What & Why of MCLR
Calculation of MCLR
Misc. Items related to MCLR
Export Credit
Preshipment Credit
Assessment of Preshipment Credit
Introduction to Terms of Payment
Advance Payment
Documentary Credit
Parties in Documentary Credits
Details included in Letter of Credit
Practical Mechanism in Letter of Credit
Different Kinds of Letters of Credit
Introduction to Export Finance
Preshipment Finance - Packing Credit
Advance against Incentives
Preshipment Credit in Foreign Currency
Postshipment Finance
Negotiation of Export Documents under Letter of Credit
Purchase or Discount of Foreign Bills
Advance against bills sent on collection
Advance against goods sent on consignement
Advance against Export Incentives
Advance against undrawn balances and retrention money
Post shipment credit in Foreign Currency
CMA Introduction
CMA.xls
CMA - Operating Statement
Capturing Past Data from Audited Financial Statements
Analysing Previous Years Income Statement
Analysing Previous Year Liability Statement
Analysing Previous Years Asset Statement
Introduction
Classification of comp
Features
Terms used
Differences
Adv and Disadv
Functions of CAS
Comp scope in banking
Why compl automation
Centralised Infra
Core bank and benefits
Tech architecture CBS
Flow of transaction
Information Security
SOP PC LAPTOP
Pwd Mgmt Policy
Introduction
Functions of bank
Main functions of bank
Front off bacl off
Outsourcing activities
Oper Inst in Banks
Banking Oper Manual
Operational aspects of KYC Norms
KYC Norms - Customer Acceptance Policy
KYC Norms - Customer Identification Procedure
KYC Monitoring Transaction
KYC Risk Management
Selecting Additional information KYC
Norms for Periodic Updation of KYC
KYC Relaxatio
eKYC
Customer Service in Banks
ATM Transactions
Recent Changes in customer Service - RBI
BCSBI
Introduction
Technical Term
Technical Term 2
Priority Sector 3
Technical Term 4
Basic Rate
Fixed & Floating Rate
Penal Rate of Interest
Security
Document of title to Goods & Bankers General Lien
Negativr lien , Restriction Advances, Rehabilitation & Recovery
Operational Process of loan in Banks
Methods for Assessment of loans
Accounting aspects of loan Products
Basic Operating Instructions on Loan Products
Operating Manual for C & A
Simple Operating Procedure
Documentation & Margin
VALUATION
Marketability
Insurance
Godown Pledged Accounts
Pledging of stocks
Unpledged Goods Stored in Pledged Goods Godown
Delivery of Stock Pledged
Submission of Stock Statements
Goods Hypothecated lying with Unhypothecated Goods
Inspection of Stock
SIP
Inspating official comment in SIR
SA
Inspection Charge
What is Buyers Credit
Discontinuation of Letter of Undertaking / Letter of Comfort for Trade Finance
What is Stand By Letter of Credit?
Introduction to Credit Analysis
Why Credit Analysis Required
Preview
Know Your Customers
Know Customer Integrity
Know Performance Efficiency
Know Financial Position and ability to Pay Back
Know about Industry
Legal and Valuation of Securities
Why Past Loans Matter
Financial Statements Reading Skill
Financial Statements
Income Statement and Balance Sheet
Financial Statement Making Process
Difference between Income, Liability, Expense and Assets
Sources and Uses of Funds
Profit and Cash
Structure of Balance Sheet
What is important in Reading Balance Sheet
Second Balance Sheet Reading Skill Understanding Liquidity Position
Third Balance Sheet Reading Skill - Performance Measurement
Analysis of Financial Ratios
Introduction to Ratio Analysis (Talking Head)
Classification of Ratio (Talking Head)
Introduction to Liqudity Ratio (Talking Head)
Classification of Liqudity Ratio (Talking Head)
Current Ratio (Talking Head)
Quick Ratio (Talking Head)
Ideal Current Ratio and Quick Ratio (Talking Head)
Basic Absolute Liquid Ratio
Basic Defense interval Ratio (Talking Head)
Capital Structure Ratio (Equity Ratio)
Capital Structure Ratios (Debt Ratio)
Capital Structure Ratios (Debt to Equity Ratio)
Coverage Ratios (DSCR)
Interest Coverage Ratio
Preference Dividend Coverage Ratio
Capital Gearing Ratio
Capital Turnover Ratio
Activity Ratios
Fixed Assets Turnover Ratio
Total Assets Turnover Ratio
Working Capital Turnover Ratio
Inventory Turnover Ratio
Inventory Holding Level
Debtors Turnover Ratio
Average Collection Period
Creditors Turnover Ratio
Average Payment Period
General Profitability ratios
Gross Profit Ratio
Operating Ratio
Operating Profit Ratio
Expense Ratios
Net Profit Ratio
Overall Profitability Ratios
Return on Assets.mp4
Return on Capital Employed
Return on Share Holders Funds
Return on Equity Share Holders Funds
Earnings Per Share
Cash Flow Earnings
Dividend Per Share
Dividend Pay Out Ratio
Dividend Yield Ratio
Illustration on Return on Equity Share holders Funds
Fund Flow Analysis for Identifying Diversion of Funds
Fund Flow Analsyis Introduction
Preview
Fund Flow Analysis Example
Uses of Fund Flow Statement
Fund Flow Analysis Case Study 4
Fund Flow Statement Real Case
Cash Flow Analysis for Understanding Cash Generation and Movement
Cash Flow Introduction
Preview
Cash Flow Activities
Cash Flow Operating Activities
Cash Flow Investing Activity
Cash Flow Financing Activity
Types of Business Loans
Types of Bank Loans for Business
Preview
Bank Loans for New Projects
Loans available in banking channel
Working Capital
Working Capital Loans
Preview
Cash Credit
Tandon Committee Recommendations on Working Capital Assessment
Working Capital Assessement as per Nayak Committee
Cash Credit
Understanding Cash Credit
Preview
Cash Credit Example
Cash Credit
Assessment of Cash Credit - ABF Method
Assessment of Cash Credit - Conservative Method
Drawing Power Computation from Stock Statement
Non Fund Based Credit Facilities
What and Why of Non Fund Based Credit Facilities?
Letter of Credit
Letter of Credit
Preview
LC Computation
What and Why of Non Fund Based Credit Facilities?
Letter of Credit
Parties involved in Letter of Credit
Documents involved in Letter of Credit
Types of Letter of Credit
General aspects related to LC
Assessment of Letter of Credit
Bank Guarantee
What is Bank Guarantee?
Types of Bank Guarantees
Bank Guarantee
Preview
Types of Bank Guarantee
Advance Payment Guarantee
Appraisal and Assessement o BG Limits
What is Bid Bond Guarantee?
Preview
Maintenance bond / guarantee
What is Retention Money Guarantee?
Preview
What is Advance payment Guarantee?
Preview
Project Report
Basics of Project Report
Project Viability
What is Project Viability
Preview
Project Viability - Case Study
Term Loan Appraisal
Term Loan Appraisal By Banks
Preview
Term Loan - Nature of Project
Cost of Project and Means of Finance
Term Loan
DSCR Computation in Term Loan
FOIR Computation in Term Loan
Term Loan Eligibility Calculation
Why Business entities should go for Term Loan?
Cost of Project
Cost of Project
Preview
Land Cost
Building Cost
Plant and Machinery Cost
Preliminary and Preoperative Expenses
Other Cost and Interest duirng Implementation
Provision for Contingency
Break Even Analysis
Break Even Analysis
Preview
Break Even Point Example
Break Even Point Graph
Break Even Test by Bankers
Cash Break Even Analysis
Credit Rating
ECRA
Preview
Default
Credit Rating Scale
Importance of Credit Rating Scale
Credit Scoring
Credit Scoring & Credit Score
What is Good Credit Score?
Factors affecting CIBIL Score
What is CIBIL?
How to improve Credit Score?
What is CIBIL Score?
Reasons for Poor Credit Score
Mistakes in Credit Scoring
How to correct your Credit Score?
WHY BANKERS DO THIS DO THAT DO BLAH BLAH BLAH......
Why Bankers reluctant to sanction Working Capital Facility?
Why Bankers are running after seeing this Balance Sheet?
Why Current Ratio of atleast 1.33 is insisted by Bankers?
What are Current Assets and Current Liability?
How Bankers Understand Long Term Stability of Business?
Return on Investment Case Study
Importance of Debt to Equity Ratio
Preference Share Capital
Why Banks are insisting on Margins on Loans
Why Banks insist on Financial Statements
How Sales analysis made by Banker
Marginal Cost of Funds based Lending Rate (MCLR)
What & Why of MCLR
Calculation of MCLR
Misc. Items related to MCLR
Export Credit
Export Credit
Preshipment Credit
Assessment of Preshipment Credit
Terms of Payment in Export Transactions
Introduction to Terms of Payment
Advance Payment
Documentary Credit
Parties in Documentary Credits
Details included in Letter of Credit
Practical Mechanism in Letter of Credit
Different Kinds of Letters of Credit
Export Finance
Introduction to Export Finance
Preshipment Finance - Packing Credit
Advance against Incentives
Preshipment Credit in Foreign Currency
Postshipment Finance
Negotiation of Export Documents under Letter of Credit
Purchase or Discount of Foreign Bills
Advance against bills sent on collection
Advance against goods sent on consignement
Advance against Export Incentives
Advance against undrawn balances and retrention money
Post shipment credit in Foreign Currency
CMA
CMA Introduction
CMA.xls
CMA - Operating Statement
Capturing Past Data from Audited Financial Statements
Analysing Previous Years Income Statement
Analysing Previous Year Liability Statement
Analysing Previous Years Asset Statement
COMPUTERISED ACCOUNTING SYSTEM
Introduction
Classification of comp
Features
Terms used
Differences
Adv and Disadv
Functions of CAS
Comp scope in banking
Why compl automation
Centralised Infra
Core bank and benefits
Tech architecture CBS
Flow of transaction
Information Security
SOP PC LAPTOP
Pwd Mgmt Policy
BANKING OPERATIONS
Introduction
Functions of bank
Main functions of bank
Front off bacl off
Outsourcing activities
Oper Inst in Banks
Banking Oper Manual
OPER ASPECTS KYC
Operational aspects of KYC Norms
KYC Norms - Customer Acceptance Policy
KYC Norms - Customer Identification Procedure
KYC Monitoring Transaction
KYC Risk Management
Selecting Additional information KYC
Norms for Periodic Updation of KYC
KYC Relaxatio
eKYC
Customer Service in Banks
ATM Transactions
Recent Changes in customer Service - RBI
BCSBI
LOAN ACCOUNTS
Introduction
Technical Term
Technical Term 2
Priority Sector 3
Technical Term 4
Basic Rate
Fixed & Floating Rate
Penal Rate of Interest
Security
Document of title to Goods & Bankers General Lien
Negativr lien , Restriction Advances, Rehabilitation & Recovery
Operational Process of loan in Banks
Methods for Assessment of loans
Accounting aspects of loan Products
Basic Operating Instructions on Loan Products
Operating Manual for C & A
Simple Operating Procedure
Documentation & Margin
VALUATION
Marketability
Insurance
Godown Pledged Accounts
Pledging of stocks
Unpledged Goods Stored in Pledged Goods Godown
Delivery of Stock Pledged
Submission of Stock Statements
Goods Hypothecated lying with Unhypothecated Goods
Inspection of Stock
SIP
Inspating official comment in SIR
SA
Inspection Charge
Import Finance
What is Buyers Credit
Discontinuation of Letter of Undertaking / Letter of Comfort for Trade Finance
Other Banking Products
What is Stand By Letter of Credit?
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