Download or read book Banking Strategy Credit Appraisal and Lending Decisions written by Hrishikesh Bhattacharya and published by Oxford University Press. This book was released on 2011-10-03 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a thorough analysis of capital strategies, asset–liabilities management, and lending strategies within the overall framework of a lending organization. It presents methadologies for risk analysis, credit appraisal, and lending decisions with specific examples. Taking into account recent global developments, this revised edition includes three new chapters which discuss the impact of capital regulation on the risk attiude and profitability of banks, strategies to protect banks from a liquidity crisis, and the need for a portfolio approach in developing models for credit exposure and loan management within a risk–return framework. Using real life examples and case studies, this book imparts students and prefessionals wih required skills to manage finance and credit in banking and related fields in the financial sector. It is essential reading for researchers, aspiring and practising chartered accountants, bankers, financial analysts, and credit managers.

Download or read book Banking Strategy Credit Appraisal and Lending Decisions written by Hrishikes Bhattacharyya and published by Oxford University Press, USA. This book was released on 1998 with total page 725 pages. Available in PDF, EPUB and Kindle. Book excerpt: The liberalization of the financial sector demands a new technology to cope with the rising pressures on the profitability of banks and financial sector institutions. Analyzing lending strategies, credit appraisal, risk analysis and lending decisions, while keeping in mind the broad framework of corporate banking strategy, this book emphasizes that lending is no longer an activity restricted to the assets side of the balance sheet. It must emanate from and fit snugly into the overall corporate objective of a lending organization and, in the process, it must integrate the expanding range of activities into the mainstream lending business. An invaluable tool for practicing managers and students of business and financial management, this book demands no prior specialized knowledge of the subject, taking readers from the rudiments of credit appraisal to advanced levels of decision-making. Numerous examples from the world of business have been provided to facilitate a better understanding of the vast and significant changes in the financial market.

Download or read book Credit Appraisal and Lending Aspects in Banking written by Archana Avasthi and published by . This book was released on 2018-02-04 with total page 778 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bank lending is both an art and science, which cannot be guided by merely a set of rules. It is to be guided by general principles only. No set of uniform rules can be invariably applied even in two similar circumstances. On the basis of experience, a banker has to shift good things out of the elements which he comes across. In place of being static, he must use his skill and diligence according to the changing types, times and conditions. A banker can take into consideration the aspects of credit appraisal communicated in this book while dealing with a lending proposal. "Credit Appraisal & Lending Aspects in Banking" looks at all aspects of appraisal issues. It covers the financial statements and their apprising techniques using trend analysis, ratio analysis, operating analysis etc. Use of CVC analysis, working capital analysis, general and restricted norm of lending which are imposed by law or by RBI, precautionary measures when analyzing borrower/guarantor/ security, precaution during documentation, including latest revised lending guidelines, and provides in-depth discussion of risk including risk management, risk transfer issues, regulation and due diligence.Other related topics including different type of borrowers, documentation, analysis of a business entity, assessment of working capital requirement of a business entity, how to take lending decision all have chapters devoted to appraisal techniques."Credit Appraisal & Lending Aspects in Banking" has been written by Dr. Archana Alok Avasthi who is Ex-Manager of the Central Bank of India. In the past, she has also authored "Impact of Technology in Banking Sector"published in Jan. 2015.This book "Credit Appraisal & Lending Aspects in Banking" has fifteen self-sufficient chapters on the many domains of credit appraisal. Each chapter is comprehensive in its coverage of the subject matter. The style of presentation is lucid and to the point. Each chapter in this book is important, and pertains to a topic related to credit appraisal. A list of chapters covered in the book is as under: CHAPTER - 1 - FINANCIAL STATEMENTSCHAPTER - 2 - FINANCIAL ANALYSISCHAPTER - 3 - RATIO ANALYSISCHAPTER - 4 - OPERATING ANALYSIS CHAPTER - 5 - COST-VOLUME-PROFIT ANALYSIS CHAPTER - 6 - CAPITAL BUDGETING ANALYSIS CHAPTER - 7 - WORKING CAPITAL ANALYSIS CHAPTER - 8 - GENERAL AND LEGAL NORMS CHAPTER - 9 - PRECAUTIONARY MEASURES CHAPTER - 10 - STATUTORY, REGULATORY AND EXPOSURE NORMS CHAPTER - 11 - SPECIAL TYPE OF BORROWERS CHAPTER - 12 - DOCUMENTATION CHAPTER - 13 - RISK ASSESSMENT AND LENDING DECISION CHAPTER -14 - CREDIT APPRAISAL OF A BUSINESS ENTITY CHAPTER - 15 - CREDIT APPRAISAL AND LENDING DECISION

Download or read book Community Bank Strategic Lending Choices and Performance written by Gary Whalen and published by . This book was released on 2007 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Most community banks have been unable to increase dramatically the percentage of their revenue coming from non-traditional sources and so remain reliant on the net income generated by traditional intermediation activities. This continued dependence means that the lending strategy chosen by any community bank is a key determinant of its survival. In this study the lending strategies chosen by a sample of 5508 community banks are examined over the 1995 - 2004 period. Links among the chosen strategies, strategic change, and performance are also investigated using both univariate and regression analysis. The analysis of lending strategy trends reveals an increase in the percentage of community banks that emphasize lending to business borrowers and a decrease in the fraction of institutions specializing in loans to non-commercial customers. The data also indicate that the typical community bank changed its lending strategy over the decade, and many did so more than once. Differences in performance are evident across the strategic groups. The results indicate that business real estate lenders earned the highest returns over the decade, but also were the riskiest. When returns are adjusted for risk, a number of lending strategies produced performance exceeding that of business real estate lending, including residential real estate lending, diversified lending, and agricultural lending. The results show that strategic change reduces returns and increases risk, all else equal. The evidence indicates a large performance disadvantage for the smallest community banks regardless of the lending strategy they pursue"--Office of the Comptroller of the Currency web site.

Download or read book Strategic Credit Management written by Sam N. Basu and published by John Wiley & Sons. This book was released on 1995-10-13 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: This guide presents bankers with solutions to the problems surrounding credit analysis, credit management, loan workouts and loan structuring. The authors present a picture of the difficulties of maintaining an effective banking credit management policy in

Download or read book The Practice of Lending written by Terence M. Yhip and published by Springer Nature. This book was released on 2020-02-25 with total page 468 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a comprehensive treatment of credit risk assessment and credit risk rating that meets the Advanced Internal Risk-Based (AIRB) approach of Basel II. Credit risk analysis looks at many risks and this book covers all the critical areas that credit professionals need to know, including country analysis, industry analysis, financial analysis, business analysis, and management analysis. Organized under two methodological approaches to credit analysis—a criteria-based approach, which is a hybrid of expert judgement and purely mathematical methodologies, and a mathematical approach using regression analysis to model default probability—the book covers a cross-section of industries including passenger airline, commercial real estate, and commercial banking. In three parts, the sections focus on hybrid models, statistical models, and credit management. While the book provides theory and principles, its emphasis is on practical applications, and will appeal to credit practitioners in the banking and investment community alongside college and university students who are preparing for a career in lending.

Download or read book Credit Engineering for Bankers written by Morton Glantz and published by Academic Press. This book was released on 2010-11-25 with total page 556 pages. Available in PDF, EPUB and Kindle. Book excerpt: More efficient credit portfolio engineering can increase the decision-making power of bankers and boost the market value of their banks. By implementing robust risk management procedures, bankers can develop comprehensive views of obligors by integrating fundamental and market data into a portfolio framework that treats all instruments similarly. Banks that can implement strategies for uncovering credit risk investments with the highest return per unit of risk can confidently build their businesses. Through chapters on fundamental analysis and credit administration, authors Morton Glantz and Johnathan Mun teach readers how to improve their credit skills and develop logical decision-making processes. As readers acquire new abilities to calculate risks and evaluate portfolios, they learn how credit risk strategies and policies can affect and be affected by credit ratings and global exposure tracking systems. The result is a book that facilitates the discipline of market-oriented portfolio management in the face of unending changes in the financial industry. Concentrates on the practical implementation of credit engineering strategies and tools Demonstrates how bankers can use portfolio analytics to increase their insights about different groups of obligors Investigates ways to improve a portfolio’s return on risk while minimizing probability of insolvency

Download or read book Management Of Banking And Financial Services 2 E written by Suresh Padmalatha and published by Pearson Education India. This book was released on 2011-09 with total page 624 pages. Available in PDF, EPUB and Kindle. Book excerpt: The dynamic banking and financial services environment in the country calls for prudent decision making under pressure. Management of Banking and Financial Services provides students and practitioners with a thorough understanding of managerial issues in the banking and financial services industry, enabling them to evaluate the overall organisational impact of their decisions. The first section of the book focuses on the basic concepts of banking and financial services, and the other sections explain how these concepts are applied in the global banking environment as well as in India. In addition to presenting the big picture of the banking and financial services industry, the book also provides useful tips on the trade-off between risk and return.

Download or read book The Bank Credit Analysis Handbook written by Jonathan Golin and published by John Wiley & Sons. This book was released on 2013-03-18 with total page 748 pages. Available in PDF, EPUB and Kindle. Book excerpt: A hands-on guide to the theory and practice of bank credit analysis and ratings In this revised edition, Jonathan Golin and Philippe Delhaise expand on the role of bank credit analysts and the methodology of their practice. Offering investors and practitioners an insider's perspective on how rating agencies assign all-important credit ratings to banks, the book is updated to reflect today's environment of increased oversight and demands for greater transparency. It includes international case studies of bank credit analysis, suggestions and insights for understanding and complying with the Basel Accords, techniques for reviewing asset quality on both quantitative and qualitative bases, explores the restructuring of distressed banks, and much more. Features charts, graphs, and spreadsheet illustrations to further explain topics discussed in the text Includes international case studies from North America, Asia, and Europe that offer readers a global perspective Offers coverage of the Basel Accords on Capital Adequacy and Liquidity and shares the authors' view that a bank could be compliant under those and other regulations without being creditworthy A uniquely practical guide to bank credit analysis as it is currently practiced around the world, The Bank Credit Analysis Handbook, Second Edition is a must-have resource for equity analysts, credit analysts, and bankers, as well as wealth managers and investors.

Download or read book Community Bank Strategic Lending Choices and Performance written by Gary Whalen and published by CreateSpace. This book was released on 2014-12-31 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most community banks have been unable to increase dramatically the percentage of their revenue coming from non-traditional sources and so remain reliant on the net income generated by traditional intermediation activities. This continued dependence means that the lending strategy chosen by any community bank is a key determinant of its survival. In this study the lending strategies chosen by a sample of 5508 community banks are examined over the 1995 - 2004 period. Links among the chosen strategies, strategic change, and performance are also investigated using both univariate and regression analysis. The analysis of lending strategy trends reveals an increase in the percentage of community banks that emphasize lending to business borrowers and a decrease in the fraction of institutions specializing in loans to non-commercial customers. The data also indicate that the typical community bank changed its lending strategy over the decade, and many did so more than once.

Download or read book Fundamentals of Credit and Credit Analysis written by Arnold Ziegel and published by Createspace Independent Publishing Platform. This book was released on 2015-01-14 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Arnold Ziegel formed Mountain Mentors Associates after his retirement from a corporate banking career of more than 30 years at Citibank. The lessons learned from his experience in dealing with entrepreneurs, multinational corporations, highly leveraged companies, financial institutions, and structured finance, led to the development and delivery of numerous senior level credit risk training programs for major global financial institutions from 2002 through the present. This book was conceived and written as a result of the development of these courses and his experience as a corporate banker. It illustrates the fundamental issues of credit and credit analysis in a manner that tries to take away its mystery. The overriding theme of this book is that when an investor extends credit of any type, the goal is "to get your money back", and with a return that is commensurate with the risk. The goal of credit analysis is not to make "yes or no" decisions about the extension of credit, but to identify the degree of risk associated with a particular obligor or a particular credit instrument. This is consistent with modern banking industry portfolio management and the rating systems of credit agencies. Once the "riskiness" of an obligor or credit instrument is established, it can be priced or structured to match the risk demands or investment criteria of the entity that is extending the credit. A simple quote from Mr. J. P. Morgan is used often in this text - "Lending is not based primarily on money or property. No sir, the first thing is character". This statement represents one of the conflicts in modern credit analysis - that of models for decision making versus traditional credit analysis. The 2008 financial crisis was rooted in the mortgage backed securities business. Sophisticated models were used by investors, banks, and rating agencies to judge the credit worthiness of billions (and maybe trillions) of dollars worth of residential mortgage loans that were packaged into securities and distributed to investors. The models indicated that these securities would have very low losses. Of course, huge losses were incurred. Mr. Morgan had a good point. In this case is was both property and character. The properties that were the collateral for many of the mortgages had much less value than was anticipated. The valuation of the collateral was na�ve and flawed. Many assumptions were made that the value of homes would rise without pause. Many mortgage loans were made that were at or even above the appraised value of a residence.But character was a huge, perhaps larger, factor behind these losses. Many of the residential mortgage loans were made to individuals who knew that they did not have the income to make the required payments on the mortgages. Many of the mortgage brokers and lenders who made these loans also knew that many of the borrowers were not properly qualified. And, many of the bankers who securitized these loans also may have doubted the credit quality of some of the underlying mortgages. If bankers and rating agencies understood the extent of the fraud and lax standards in the fundamental loans backing the mortgage securities, or were willing to acknowledge it, the fiasco would not have occurred.

Download or read book Managing Bank Risk written by Morton Glantz and published by Academic Press. This book was released on 2003 with total page 692 pages. Available in PDF, EPUB and Kindle. Book excerpt: Featuring new credit engineering tools, "Managing Bank Risk" combines innovative analytic methods with traditional credit management processes. Professor Glantz provides print and electronic risk-measuring tools that ensure credits are made in accordance with bank policy and regulatory requirements, giving bankers with the data necessary for judging asset quality and value.

Download or read book Handbook of Corporate Lending A Guide for Bankers and Financial Managers Revised written by James S. Sagner and published by . This book was released on 2014-04 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking experts review, simplify corporate lending process. James S. Sagner and Herbert Jacobs advise on corporate lending to help bankers, lenders and corporate finance managers avoid future credit problems in Handbook of Corporate Lending: A Guide for Bankers and Financial Managers. The authors argue for a fresh approach to improving bank lending to corporations. Historically, most banks spend their efforts in evaluating loan proposals from businesses before approving or denying credit. The authors argue persuasively and with examples that lending is a two-step process: the analysis of the company in the context of its industry and its competitors; and then a loan agreement that identifies the credit risks. The book demonstrates through the use of case studies how to limit those risks to the lenders and just as importantly, to the company. Sagner and Jacobs, former senior bankers and consultants and educators to the banking industry, systematically review the process of corporate credit decision-making. Too few banks are now providing adequate formal credit-training. This leaves bankers without the proper guidance to review credit requests and create precautions for corporate borrowers and lenders. Sagner and Jacobs show readers how such factors influence credit, funding, pricing decisions and proper structuring of loans. The book covers such topics as trends in commercial loan activity, the credit loan agreement, the banker's responsibilities, risk management measurement and the credit process. Eight cases in the book highlight a variety of credit issues. "The book is written from the perspective of the banker or other lender who makes these important decisions," said Sagner. "But business people, particularly global financial managers who must secure credit and maintain excellent relations with their lenders, need to understand this important information." Sagner and Jacobs help readers navigate the issues confronting financial and banking managers. The book aims to explain the financial processes lenders use to make decisions, and to analyze the strengths and weaknesses of credit measurements so that business and financial managers are better prepared to arrange credit facilities.

Download or read book Marketplace Lending Financial Analysis and the Future of Credit written by Ioannis Akkizidis and published by John Wiley & Sons. This book was released on 2015-12-07 with total page 344 pages. Available in PDF, EPUB and Kindle. Book excerpt: The time for financial technology innovation is now Marketplace Lending, Financial Analysis, and the Future of Credit clearly explains why financial credit institutions need to further innovate within the financial technology arena. Through this text, you access a framework for applying innovative strategies in credit services. Provided and supported by financial institutions and entrepreneurs, the information in this engaging book encompasses printed guidance and digital ancillaries. Peer-to-peer lenders are steadily growing within the financial market. Integrating peer-to-peer lending into established credit institutions could strengthen the financial sector as a whole, and could lead to the incorporation of stronger risk and profitability management strategies. Explain (or Explore) approaches and challenges in financial analysis applied to credit risk and profitability Explore additional information provided via digital ancillaries, which will further support your understanding and application of key concepts Navigate the information organised into three subject areas: describing a new business model, knowledge integration, and proposing a new model for the Hybrid Financial Sector Understand how the rise of fintech fits into context within the current financial system Follow discussion of the current status quo and role of innovation in the financial industry, and consider the financial technology innovation landscape from the perspective of an entrepreneur Marketplace Lending, Financial Analysis, and the Future of Credit is a critical text that bridges the gap in understanding between financial technology entrepreneurs and credit institutions.

Download or read book Bankers Lending Techniques written by C. Nicholas Rouse and published by Global Professional Publishi. This book was released on 2002 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: '?New, expanded edition of a popular title?Now covers new techniques of lending assessmentThe new edition of this popular title has been expanded to twice the length of the previous edition, which reflects the widening of the book?'s scope to cover the impact of new techniques of lending assessment as well as legal issues concerning lending to corporates and private individuals. It features whole new chapters on acquisition finance, franchising, factoring, and control of a lending portfolio. It also offers a perspective on the increased use of technology against traditional lending techniques.

Download or read book Handbook of Corporate Lending written by James S. Sagner and published by . This book was released on 2011-05-01 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on the credit environment in today's financial world. Whether the reader is a practicing bank lender or involved in corporate finance, this book demonstrates how various factors influence credit, funding, pricing decisions and proper structuring of loan agreements. An understanding is developed of the most important issues confronting financial and banking managers today, with the discussion of the financial processes used to formulate decisions and analyze the strengths and weaknesses of credit metrics. Eight cases are discussed to illustrate aspects of the corporate credit decision.

Download or read book Handbook for Banking Strategy written by Richard C. Aspinwall and published by . This book was released on 1985-01-18 with total page 832 pages. Available in PDF, EPUB and Kindle. Book excerpt: A comprehensive handbook for bank managers, corporate planning executives and graduate students, surveying recent fundamental changes in financial institutions and markets and analyzing their strategic implications for bank management. Noted authorities assess the growing importance of financial intermediaries and address the ``whys'' of changes in intermediation. Major shifts in financing practices are examined in light of the effects of inflation, technology and regulation. Chapters also explore specific changes in banking services, customers, suppliers, and regulation.