Download or read book Commercial Lending written by Adrian Cudby and published by Kogan Page Publishers. This book was released on 2018-10-03 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Endorsed by the Chartered Banker Institute as core reading for one of the modules leading to the Institute's professional qualifications and chartered status, Commercial Lending supports readers that wish to develop their ability to analyze the creditworthiness of a customer and their business in the context of the current economic climate, future market and sector expectations. Commercial Lending uses a series of practical exercises and case studies, and provides the tools needed for the reader to understand and appraise a customer's business strategy. This will then enable the reader to provide appropriate funding solutions to meet the commercial needs of customers while reflecting the bank's risk appetite. These tools include: how to assess the performance and creditworthiness of a business; how to critically evaluate the robustness of cash flow; and how to undertake sensitivity analysis to quantify sustainable debt repayment capacity. This practical text will present a critical analysis of financial and non-financial information to help readers identify key risks inherent in the customer's lending proposition. Readers will go on to propose suitable funding solutions that mitigate risk and meet the needs of customer and bank. Online supporting resources include a glossary and updates to regulation in the UK. All law and legislation used throughout the book (Chapters 1, 6 and 9) is either UK or English law. Readers outside the UK are recommended to check the appropriate legislation in their country. The currency used throughout the book is UK Sterling (denominated by £ symbol) and where working examples are used (particularly in Chapters 2 and 3) readers can substitute their own currency by using the appropriate exchange rate for their own country.
Download or read book Green and Sustainable Finance written by Simon Thompson and published by Kogan Page Publishers. This book was released on 2021-03-03 with total page 481 pages. Available in PDF, EPUB and Kindle. Book excerpt: More than 120 countries have committed to net zero targets by 2050, requiring systemic economic transitions on an unprecedented scale and with the finance sector playing a leading role. Green finance will power the transition, ensuring capital flows to the firms, investments, projects and technologies looking to create a sustainable, low-carbon world. To achieve net zero, every professional financial decision must take climate change and broader sustainability factors into account. Green and Sustainable Finance provides a comprehensive guide to the application of common green and sustainable principles and practices in banking, investment and insurance to help finance professionals embed these in their daily activities and decision-making. Focusing on the necessity of mainstreaming green and sustainable finance globally, this book includes a clear explanation of the science underpinning climate change. Green and Sustainable Finance covers a wide range of green finance products and services in retail, commercial and corporate banking, insurance, investment and fintech. It provides an overview of emerging regulation and international market frameworks and standards, particularly in relation to climate and environmental risk. Consideration is also given to the ethical dimensions of green and sustainable finance, including how professionals can promote market integrity and take active steps to avoid greenwashing. Endorsed by the Chartered Banker Institute as the core text for the benchmark Certificate in Green and Sustainable Finance, this book is essential reading for finance professionals and students, and individuals working to embed sustainability in business, policy and regulation.
Download or read book Credit and Lending written by Keith Dickinson and published by . This book was released on 2018-03-12 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: To succeed in lending you need to take a structured approach.In this book there are many tools and templates to assist with the lending process. The reader can examine in detail the credit risk and lending requirements of different types of business and differing business sectors.This Book will equip you with the skills to evaluate every credit proposal on its own merits.Finance specialist Keith Checkley, is a Chartered Banker and Fellow of the Institute of Bankers. He is a well-known writer of 16 books on business finance and has consulted and trained throughout the world. In this 17th Book; Keith brings the reader up to date on the important issues and essential techniques for implementing and managing an effective credit risk system.
Download or read book Bankers Lending Techniques written by C. Nicholas Rouse and published by Global Professional Pub. This book was released on 2010-11 with total page 295 pages. Available in PDF, EPUB and Kindle. Book excerpt: This popular, best-selling title, used by many banks for training their staff, covers the international aspects of lending and for that reason the text has now been globalised to ensure it is appropriate for all students. This third, fully up-dated edition covers the impact of the latest technology for lending assessment as well as legal issues concerning lending to corporate organisations, and also to private individuals. It features chapters on acquisition finance, franchising, factoring, a new section on project finance plus the control of a lending portfolio and the increased use of new technology. Some highly topical areas have been expanded. Sovereign risk has been incorporated and the whole area of rating agencies has been updated to include the difference between the ratings and the primary need of the banker, i.e. the Probability of Default. Finally there is now greater emphasis on the analysis of cash flow and the switch by lenders from the analysis of profitability and the need to produce and use cash flow projections. "This new and expanded edition provides the definitive reference book on lending for those in the banking industry. Its clear and accessible style makes it equally useful for the seasoned practitioner and for those training for the future. Nick's extensive practical and theoretical experience makes this a book that clarifies and educates, and which will be as useful in these times not only for bankers, but also for the non-banker seeking to understand what their bank is trying to achieve and why." Andy Bainbridge Head of Credit Risk (Western Hemisphere), Standard Chartered Bank
Download or read book Relationship Management in Banking written by Steve Goulding and published by Kogan Page Publishers. This book was released on 2018-10-03 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: Endorsed by the Chartered Banker Institute as core reading for the Personal & Private Banking and Commercial Lending modules, Relationship Management in Banking supports and develops the need to be able to manage key customer relationships. The text considers the nature of commercial relationships and help the reader synthesise complex factors in order to develop a robust relationship management methodology. It will draw from bona fide case studies and examples that can demonstrate key relationship management concepts as well as bring learning to life and share examples of customers, good and bad, from a range of different sectors. Through case studies and providing online updates to regulations, Relationship Management in Banking considers how to critically analyze approaches to relationship management used for a variety of banking customer types and examine the impact of legislation, regulation, governance and technology on banking relationship management and customer acquisition and retention. Online supporting resources include a glossary and updates to regulation.
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 Successful Lender s Field Guide written by Chris Nichols and published by . This book was released on 2016-08-01 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This Field Guide targets commercial lenders and business development officers seeking innovative lending and marketing techniques, with the intent on maximizing value for both bank and borrower.
Download or read book Commercial Loan Analysis written by Kenneth R. Pirok and published by Irwin Professional Publishing. This book was released on 1994 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Bank Lending in the Knowledge Economy written by Mr.Giovanni Dell'Ariccia and published by International Monetary Fund. This book was released on 2017-11-07 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: We study bank portfolio allocations during the transition of the real sector to a knowledge economy in which firms use less tangible capital and invest more in intangible assets. We show that, as firms shift toward intangible assets that have lower collateral values, banks reallocate their portfolios away from commercial loans toward other assets, primarily residential real estate loans and liquid assets. This effect is more pronounced for large and less well capitalized banks and is robust to controlling for real estate loan demand. Our results suggest that increased firm investment in intangible assets can explain up to 20% of bank portfolio reallocation from commercial to residential lending over the last four decades.
Download or read book Chartered Banker Credit and Lending written by BPP Learning Media and published by . This book was released on 2015-01-31 with total page 452 pages. Available in PDF, EPUB and Kindle. Book excerpt: One way to become eligible for Chartered Banker status is to follow the Chartered Banker programme which leads to an honours degree level professional qualification.
Download or read book Banking Operations written by Colin Watson and published by Global Professional Pub. This book was released on 2013-10-09 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking Operations provides an introduction to the main operations of a bank including bank services and products, types of customers, operating accounts, lending and securities. Services covered include: savings and investment accounts, current accounts, lending facilities, money transmission and payment services, share dealing services and advice, investment advice and portfolio management as well as safe custody services. The reader will gain an understanding of the various bank customers and how their accounts are operated from personal customers to business customers, limited companies, clubs and associations and in addition operating and controlling customer's accounts.
Download or read book The Purpose of Banking written by Anjan V. Thakor and published by . This book was released on 2019 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: A thoughtful and thought generating overview of what ails the banking sector and a reminder that the purpose of banks is to help create economic growth.
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 711 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 Loan Sharks written by Charles R. Geisst and published by Brookings Institution Press. This book was released on 2017-04-04 with total page 275 pages. Available in PDF, EPUB and Kindle. Book excerpt: Predatory lending: A problem rooted in the past that continues today. Looking for an investment return that could exceed 500 percent annually; maybe even twice that much? Private, unregulated lending to high-risk borrowers is the answer, or at least it was in the United States for much of the period from the Civil War to the onset of the early decades of the twentieth century. Newspapers called the practice “loan sharking” because lenders employed the same ruthlessness as the great predators in the ocean. Slowly state and federal governments adopted laws and regulations curtailing the practice, but organized crime continued to operate much of the business. In the end, lending to high-margin investors contributed directly to the Wall Street crash of 1929. Loan Sharks is the first history of predatory lending in the United States. It traces the origins of modern consumer lending to such older practices as salary buying and hidden interest charges. Yet, as Geisst shows, no-holds barred loan sharking is not a thing of the past. Many current lending practices employed today by credit card companies, payday lenders, and providers of consumer loans would have been easily recognizable at the end of the nineteenth century. Geisst demonstrates the still prevalent custom of lenders charging high interest rates, especially to risky borrowers, despite attempts to control the practice by individual states. Usury and loan sharking have not disappeared a century and a half after the predatory practices first raised public concern.
Download or read book Advanced Credit Risk Analysis and Management written by Ciby Joseph and published by John Wiley & Sons. This book was released on 2013-04-22 with total page 454 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit is essential in the modern world and creates wealth, provided it is used wisely. The Global Credit Crisis during 2008/2009 has shown that sound understanding of underlying credit risk is crucial. If credit freezes, almost every activity in the economy is affected. The best way to utilize credit and get results is to understand credit risk. Advanced Credit Risk Analysis and Management helps the reader to understand the various nuances of credit risk. It discusses various techniques to measure, analyze and manage credit risk for both lenders and borrowers. The book begins by defining what credit is and its advantages and disadvantages, the causes of credit risk, a brief historical overview of credit risk analysis and the strategic importance of credit risk in institutions that rely on claims or debtors. The book then details various techniques to study the entity level credit risks, including portfolio level credit risks. Authored by a credit expert with two decades of experience in corporate finance and corporate credit risk, the book discusses the macroeconomic, industry and financial analysis for the study of credit risk. It covers credit risk grading and explains concepts including PD, EAD and LGD. It also highlights the distinction with equity risks and touches on credit risk pricing and the importance of credit risk in Basel Accords I, II and III. The two most common credit risks, project finance credit risk and working capital credit risk, are covered in detail with illustrations. The role of diversification and credit derivatives in credit portfolio management is considered. It also reflects on how the credit crisis develops in an economy by referring to the bubble formation. The book links with the 2008/2009 credit crisis and carries out an interesting discussion on how the credit crisis may have been avoided by following the fundamentals or principles of credit risk analysis and management. The book is essential for both lenders and borrowers. Containing case studies adapted from real life examples and exercises, this important text is practical, topical and challenging. It is useful for a wide spectrum of academics and practitioners in credit risk and anyone interested in commercial and corporate credit and related products.
Download or read book A Profile of State chartered Banking written by Conference of State Bank Supervisors and published by . This book was released on 1988 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Bank On Yourself written by Pamela Yellen and published by Vanguard. This book was released on 2010-03-23 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Wall Street Journal, USA Today, and BusinessWeek bestseller Bank On Yourself: The Life-Changing Secret to Growing and Protecting Your Financial Future reveals the secrets to taking back control of your financial future that Wall Street, banks, and credit card companies don’t want you to know. Can you imagine what it would be like to look forward to opening your account statements because they always have good news and never any ugly surprises? More than 100,000 Americans of all ages, incomes, and backgrounds are already using Bank On Yourself to grow a nest-egg they can predict and count on, even when stocks, real estate, and other investments tumble. You’ll meet some of them and hear their stories of how Bank On Yourself has helped them reach a wide variety of short- and longterm personal and financial goals and dreams in this book.
