Download or read book Bank Lending written by Nirmala Lee and published by Gosbrook. This book was released on 2018 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is for students and professionals working, or intending to work, in a lending-related role.The text provides comprehensive, up-to-date coverage of bank lending, its principles and practices. Bank lending performs a key role within global and national economies. Individuals and enterprises look primarily to banks and other financial institutions to finance their personal and business requirements. Good lending practice is therefore a core skill required within the financial services industry. This book will give lending staff the detailed knowledge and understanding of the financial and legal aspects of their roles they need to be able to fulfil employer as well as customer expectations.Topics include:lending principlesthe legal and regulatory frameworktypes of borrowerpurposes of financingsecuritythe lending cycleIslamic financeimpact of lending and social responsibilityThe book provides students and practitioners of bank lending with an excellent understanding of lending practices as well as the principles that underpin these practices.

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 Practical Approach to Bank Lending written by ROSELINE OLUWATOYIN OLUITAN and published by AuthorHouse. This book was released on 2011-07-29 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book discusses about the methods and approaches used by banks in granting credits to their customers. The material covers the various types of lending and the processes involved in detail. It goes beyond the normal classroom rhetoric as it adopts a practical approach similar to having a hands-on-experience in lending. It is an ideal material for students of finance who need to understand the core rudiments for financial activities and to succeed in professional examinations. It is also useful for bank staff and researchers in the subject area to keep abreast of the banking procedure. I strongly recommend the material for finance students and lecturers in the field.

Download or read book Bank Regulation Risk Management and Compliance written by Alexander Dill and published by Taylor & Francis. This book was released on 2019-10-01 with total page 345 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bank Regulation, Risk Management, and Compliance is a concise yet comprehensive treatment of the primary areas of US banking regulation – micro-prudential, macroprudential, financial consumer protection, and AML/CFT regulation – and their associated risk management and compliance systems. The book’s focus is the US, but its prolific use of standards published by the Basel Committee on Banking Supervision and frequent comparisons with UK and EU versions of US regulation offer a broad perspective on global bank regulation and expectations for internal governance. The book establishes a conceptual framework that helps readers to understand bank regulators’ expectations for the risk management and compliance functions. Informed by the author’s experience at a major credit rating agency in helping to design and implement a ratings compliance system, it explains how the banking business model, through credit extension and credit intermediation, creates the principal risks that regulation is designed to mitigate: credit, interest rate, market, and operational risk, and, more broadly, systemic risk. The book covers, in a single volume, the four areas of bank regulation and supervision and the associated regulatory expectations and firms’ governance systems. Readers desiring to study the subject in a unified manner have needed to separately consult specialized treatments of their areas of interest, resulting in a fragmented grasp of the subject matter. Banking regulation has a cohesive unity due in large part to national authorities’ agreement to follow global standards and to the homogenizing effects of the integrated global financial markets. The book is designed for legal, risk, and compliance banking professionals; students in law, business, and other finance-related graduate programs; and finance professionals generally who want a reference book on bank regulation, risk management, and compliance. It can serve both as a primer for entry-level finance professionals and as a reference guide for seasoned risk and compliance officials, senior management, and regulators and other policymakers. Although the book’s focus is bank regulation, its coverage of corporate governance, risk management, compliance, and management of conflicts of interest in financial institutions has broad application in other financial services sectors. Chapter 6 of this book is freely available as a downloadable Open Access PDF at http://www.taylorfrancis.com under a Creative Commons Attribution-Non Commercial-No Derivatives (CC-BY-NC-ND) 4.0 license.

Download or read book International Convergence of Capital Measurement and Capital Standards written by and published by Lulu.com. This book was released on 2004 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt:

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 The Chicago Plan Revisited written by Mr.Jaromir Benes and published by International Monetary Fund. This book was released on 2012-08-01 with total page 71 pages. Available in PDF, EPUB and Kindle. Book excerpt: At the height of the Great Depression a number of leading U.S. economists advanced a proposal for monetary reform that became known as the Chicago Plan. It envisaged the separation of the monetary and credit functions of the banking system, by requiring 100% reserve backing for deposits. Irving Fisher (1936) claimed the following advantages for this plan: (1) Much better control of a major source of business cycle fluctuations, sudden increases and contractions of bank credit and of the supply of bank-created money. (2) Complete elimination of bank runs. (3) Dramatic reduction of the (net) public debt. (4) Dramatic reduction of private debt, as money creation no longer requires simultaneous debt creation. We study these claims by embedding a comprehensive and carefully calibrated model of the banking system in a DSGE model of the U.S. economy. We find support for all four of Fisher's claims. Furthermore, output gains approach 10 percent, and steady state inflation can drop to zero without posing problems for the conduct of monetary policy.

Download or read book How to Analyse Bank Financial Statements written by Thomas Padberg and published by Harriman House Limited. This book was released on 2017-01-30 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: The financial statements of banks differ very much from those of non-banks. The assets and liabilities are mostly financial based, and the equity ratio is far lower than the equity ratios of industrial companies. Banking supervision has a big influence on the financial statements too. Recent years have shown the risks which can evolve from banks, but normal instruments of financial statement analysis are not sufficient to analyse banks and locate these risks: different methods are needed. This book, by experienced bank analyst Thomas Padberg, provides analysts and investors with the tools to analyse bank financial statements, find problems in bank finances, and assess the risks of banks. Examples with real bank financial data are used to show readers the step-by-step methods to follow when looking at bank financial statements. The book covers: - The specific accounting rules that apply to banks - How to analyse bank segment reporting - The ratios to use when analysing bank financial statements - How to analyse bank profit and loss accounts - Equity analysis and stock analysis of banks This is an essential guide for all analysts and serious investors who need to analyse bank financial statements.

Download or read book Consumer Lending written by Richard E. Beck (Jr.) and published by . This book was released on 2009 with total page 448 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Principles of Project Finance written by E. R. Yescombe and published by Academic Press. This book was released on 2013-11-13 with total page 575 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Second Edition of this best-selling introduction for practitioners uses new material and updates to describe the changing environment for project finance. Integrating recent developments in credit markets with revised insights into making project finance deals, the second edition offers a balanced view of project financing by combining legal, contractual, scheduling, and other subjects. Its emphasis on concepts and techniques makes it critical for those who want to succeed in financing large projects. With extensive cross-references and a comprehensive glossary, the Second Edition presents anew a guide to the principles and practical issues that can commonly cause difficulties in commercial and financial negotiations. - Provides a basic introduction to project finance and its relationship with other financing techniques - Describes and explains: sources of project finance; typical commercial contracts (e.g., for construction of the project and sale of its product or services) and their effects on project-finance structures; project-finance risk assessment from the points of view of lenders, investors, and other project parties; how lenders and investors evaluate the risks and returns on a project; the rôle of the public sector in public-private partnerships and other privately-financed infrastructure projects; how all these issues are dealt with in the financing agreements

Download or read book The Pillars of Banking written by and published by Dr John Chibaya Mbuya. This book was released on with total page 906 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A PRACTICAL APPROACH TO BANK LENDING written by L.S. DYER and published by . This book was released on 1980 with total page 8 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 Revisiting Risk Weighted Assets written by Vanessa Le Leslé and published by International Monetary Fund. This book was released on 2012-03-01 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this paper, we provide an overview of the concerns surrounding the variations in the calculation of risk-weighted assets (RWAs) across banks and jurisdictions and how this might undermine the Basel III capital adequacy framework. We discuss the key drivers behind the differences in these calculations, drawing upon a sample of systemically important banks from Europe, North America, and Asia Pacific. We then discuss a range of policy options that could be explored to fix the actual and perceived problems with RWAs, and improve the use of risk-sensitive capital ratios.

Download or read book Loan Portfolio Management written by and published by . This book was released on 1988 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A Practical Approach to Bank Lending written by Lewis Stuart Dyer and published by . This book was released on 1980-01-01 with total page 237 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book FINANCE FOR EXECUTIVES written by Nuno Fernandes and published by NPVPublishing. This book was released on 2014-04-30 with total page 350 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book Finance for Executives: A Practical Guide for Managers meets the needs of global executives, both finance as well as non-financial managers. It is a practical and fundamental finance reference book for any manager, as it makes a perfect balance of financial management theory and practice. It focuses on corporate finance concepts from value creation to derivatives, including cost of capital (and WACC), valuation, financing policies, project evaluation, and many other essential finance definitions. Finance for Executives makes finance simple and intuitive, through the use of real world data (brief company case studies and empirical examples of concepts), Excel financial modelling tools, and practical short chapters. Target Audience This finance book is appropriate for business executives, from all backgrounds, seeking to Focus on the links between financial management and the strategy of their company, be it a private or publicly traded company Discover how to create value for their company and boost its financial performance Understand the key topics of corporate finance for non-financial managers Create a cost of capital culture within a company Refresh and broaden their understanding of the latest financial concepts and tools Learn about financial management for decision makers - including financing and dividend policies, company valuation, mergers and acquisitions (M&As), project evaluation, cost of capital (WACC) estimation, or risk management and derivatives Finance for Executives is suited as a finance textbook for corporate finance programs, executive education courses, as well as in MBA, master's, and executive MBA programs. Indeed, the book is based on many years of executive education and consulting with world-class corporations from all continents of the world. What Is This Book About? Finance should be fun, and practical as well. With this book at hand, you will have access to a set of tools that will help you develop your intuition for solving key financial problems, improve your business decisions, and formulate strategies. This finance for managers' reference book is based on Simplicity - The core concepts in corporate finance are simple, and will become intuitively clear after using this book Conciseness - The chapters are short and self-contained to appeal to busy executives who are keen on value-added activities Practical focus - The key concepts of financial management are explained (and linked to Excel modelling tools), while you learn to identify the problems and pitfalls of different managerial choices Application of theory to practice - It highlights key academic research results that are relevant for practitioners Real-world focus - The book includes empirical data on several companies and industries around the world. Working with real-world problems and real-world data is more fruitful than theoretical discussions on formulas Excel Templates An Excel spreadsheet containing all the financial models used in the different chapters is available for download from the book's website. Practitioners will find the file easy to customize to their own requirements. It is useful in a variety of situations: value creation and its decomposition into managerial drivers or key performance indicators (KPIs), cost of capital (WACC) estimation, project evaluation, mergers and acquisitions, company valuation, derivatives valuation, etc. Editorial Reviews An excellent teach-yourself finance primer for non-financial executives, and, I dare say, even for most finance executives. Ravi Kant, Vice Chairman, Tata Motors, India The finance reference book for the desk of ANY manager. Michel Demaré, Chairman of the Board, Syngenta, Switzerland The perfect balance of practice and theory. Geert Bekaert, Professor of Finance, Columbia Business School, USA A key tool to improve your business decisions. Thilo Mannhardt, CEO of Ultrapar, Brazil Finance for Executives is easy to follow, and makes a boring subject actually quite exciting. Severin Schwan, CEO, Roche Group, Switzerland A must-have for your list of favorites. José Manuel Campa, Professor of Finance, IESE Business School, Spain