E-Learning Course: Introduction to Bank Lending Environment (Library of 7 courses)

  • ID: 592016
  • Training
  • Region: Global
  • 7 Hours
  • KESDEE Inc
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This e-learning course on 'Introduction to Bank Lending Environment' is designed to help users understand the lending aspect of a bank. The course covers the principles of lending, the various forms and types of commercial lending by a bank. An in-depth discussion about the concept of working capital and the various methods of assessing the working capital is provided.

Themes of this product:

- Understand the importance of credit in stabilizing the financial system of an economy
- Know the principles of lending and the eligibility criteria for bank lending
- Understand the concept of working capital and the various methods of assessing the working capital
- Enumerate the various types and forms of lending (vis-à-vis lending against shares, real estate, and term loans).

Target Audience: Those who are interested in understanding the lending operations of a bank.

Course Level: Basic to Intermediate

Library of 7 Courses

Duration of each course- 1.0 Hour

On completion of this course, you will be conversant with:

- Overview of the lending function of a bank
- Principles of lending and the characteristics of a good collateral
- Various forms of bank lending
- - Lending against shares
- - Lending against real estate
- - Term loans
- - Letters of credit
- The concept of working capital and the method to work out optimum working capital
Note: Product cover images may vary from those shown
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1. Credit and Economic Growth

- The effect of credit and inflation on the economic growth of an economy
- The various factors responsible for creating a credit crunch in the economy and its consequences
- The importance of credit in stabilizing the financial system

2. Commercial Lending

- The important functions of commercial banks viz. lending and accepting deposits
- The principles of lending and the eligibility criteria for grant of loans
- The three C's of credit and the enhanced 3C's of credit
- The different types of loans and advances that are granted by banks
- The various characteristics of a good collateral

3. Working Capital

- The concept of working capital and net working capital
- The concept of current assets and current liabilities
- The method to work out optimum working capital
- The various methods of assessing the working capital
- The kinds of credit limits available under working capital

4. Bills and Letters of Credit

- The various types of bills and letters of credit
- The methodology to scrutinize bill

5. Lending Against Shares

- The concept of market capitalization
- The various types of ratios
- Operations of primary and secondary market

6. Lending Against Real Estate

- The challenges faced by the housing finance industry
- The different types of housing loans
- The importance of credit appraisal before disbursing a housing loan
- The different types of mortgages

7. Term Loan

- The components of capital
- The various types of leverage
- The concept of cost of capital and valuation
- The types of long-term sources of fund
Note: Product cover images may vary from those shown
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1. Credit and Economic Growth

- The effect of credit and inflation on the economic growth of an economy
- The various factors responsible for creating a credit crunch in the economy and its consequences
- The importance of credit in stabilizing the financial system

2. Commercial Lending

- The important functions of commercial banks viz. lending and accepting deposits
- The principles of lending and the eligibility criteria for grant of loans
- The three C's of credit and the enhanced 3C's of credit
- The different types of loans and advances that are granted by banks
- The various characteristics of a good collateral

3. Working Capital

- The concept of working capital and net working capital
- The concept of current assets and current liabilities
- The method to work out optimum working capital
- The various methods of assessing the working capital
- The kinds of credit limits available under working capital

4. Bills and Letters of Credit

- The various types of bills and letters of credit
- The methodology to scrutinize bill

5. Lending Against Shares

- The concept of market capitalization
- The various types of ratios
- Operations of primary and secondary market

6. Lending Against Real Estate

- The challenges faced by the housing finance industry
- The different types of housing loans
- The importance of credit appraisal before disbursing a housing loan
- The different types of mortgages

7. Term Loan

- The components of capital
- The various types of leverage
- The concept of cost of capital and valuation
- The types of long-term sources of fund
Note: Product cover images may vary from those shown
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Note: Product cover images may vary from those shown
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