Banking Credit Analysis Process (For Bankers)

Course for Bankers, Consultants and managers to Understand Credit Analysis Process from Indian Context.

What you'll learn

Understand What is Credit Analysis

How to evaluate Credit Proposal

How to analyse Financial Statements

How to analyse Term loan Projects

Understand What is Project Financing

How to arrive at Working Capital

What is Working Capital Cycle

What is letter of Credit

What is Bank Guarantee

Understand, Detailed Process of Credit Analysis

Requirements

No prior knowledge is required for taking this course.

Students need PC / Laptop / Tab / Mobile (supporting Android / iOS) to view this course

Description

Are you struggling in understanding banking credit related matters like Financial Ratio Analysis, Cash Flow and Fund Flow Analysis, Working Capital Assessment and products like Cash Credit, Letter of Credit, Bank Guarantee, Buyers Credit, Term Loan appraisal covering Debt Equity Analysis, DSCR, FOIR, etc.? Are you a Finance Professional working on Project Funding for your clients? Are you finding it difficult to write down a comprehensive loan proposal? Are you a Banker aspiring to rise to top in your career? Then this course is for you - Banking Credit Analysis Process.Why you should take this course?Credit Analysis is the core process adopted by any Bank to understand, evaluate and appreciate about the Customers Identity, Integrity, Financial Position, - Repayment Capacity, Etc.          Every Banker should be thorough with Credit Analysis Process because day in day out they have to deal with new customers and before sanctioning any new loans to them, Banker should have made detailed study of their customers.No Banker can raise to top unless he becomes conversant with Credit Analysis Process.  Bank would generally throw employees on to the job before they get opportunity to be trained. This is with more specific reference to Credit Analysis where Bankers should under detailed learning process, else their mistakes in the process will be Very Costly beyond their manageable Position.Hence, this course will provide platform to Bankers to have fall back reference on the Critical Aspects of Credit Analysis Process.  Banking/ Management Consultants can also use this course for the equipping themselves to the expectations of the Bankers while handling Credit Proposals.  By taking this course, you will be able to Write Bank Loan Proposals with better clarity and confidence.You will understand various technical matters written in Bank Loan Proposals.What you will learn by taking this course?By taking this course, you will be exposed toSec 1 - Introduction to Credit AnalysisSec 2 - Financial Statements reading skillSec 3 - How to write Loan Proposal - IntroductionSec 4 - Financial Ratio AnalysisSec 5 - Performance and Financial Indicators Analysis in Loan ProposalSec 6 - Fund Flow Analysis for Identifying Diversion of FundsSec 7 - Cash Flow Analysis for Understanding Cash Generation and MovementSec 8 - Inter-firm Comparison, Internal & External Rating and Review of Conduct of AccountsSec 9 - Review of Audit Reports, Compliances, Contingencies and Risk FactorsSec 10 - Finer Pricing, Review of Defaulters List & Loan PolichySec 11 - Types of Business LoansSec 12 - Working CapitalSec 13 - Cash CreditSec 14 - Non Fund Based Credit FacilitiesSec 15 - Letter of CreditSec 16 - Bank GuaranteeSec 17 - Project ReportSec 18 - Term Loan AppraisalSec 19 - DSCR & FOIR Computation in Term LoanSec 20 - Break Even AnalysisSec 21 - Sensitivity AnalysisSec 22 - Credit RatingSec 23 - Credit ScoringSec 24 - Key Analysis by BankersSec 25 - Marginal Cost of Funds based Lending Rate (MCLR)Sec 26 - Export CreditSec 27 - Terms of Payment in Export TransactionsSec 28 - Export FinanceSec 29 - CMA  (Credit Monitoring Arrangement)Sec 30 - Computerised Accounting SystemSec 31 -  Banking OperationsSec 32 -  Operational Aspects of KYCSec 33 - Loan AccountsSec 34 -  QuizSec 35 - Import FinanceSec 36- Other Banking Products How this course is structured?This  course is structured in self paced learning style. Each and every section of this course is broken down as various micro lectures and then they are substantiated with examples and case studies. Several real world examples are used in this course through case studies. You'll gain authority on each and every topic as i take you through lectures one by one. This  course is presented in simple language with examples. This course has  video lectures (with writings on Black / Green Board / Note book / Talking head, etc).  You would feel you are attending a real class. What are the pre-requisites for taking this course?You would require  good internet connection for interruption free learning process - You can approach this course with fresh mind.How this course will benefit you?At the end of the course, you will be able to approach credit related matters in your bank with high level of confidence and solve real life problems at ease.

Overview

Section 1: Introduction to Banking Credit Analysis Process

Lecture 1 Welcome Lecture

Lecture 2 Why Credit Analysis Required

Lecture 3 Know Your Customers

Lecture 4 Know Customer Integrity

Lecture 5 Know Performance Efficiency

Lecture 6 Know Financial Position and ability to Pay Back

Lecture 7 Know about Industry

Lecture 8 Legal and Valuation of Securities

Lecture 9 Why Past Loans Matter

Lecture 10 Decision making in Credit

Lecture 11 Difference between Corporate Lending and Retail Lending

Lecture 12 Know Your Customer Policies

Lecture 13 Information Exchange amongst Lending Institutions and Credit Information Compani

Lecture 14 Dun & Bradstreet

Lecture 15 Negative List of Information

Lecture 16 Central Repository of Information of Large Credits

Section 2: Financial Statements Reading Skill

Lecture 17 Financial Statements

Lecture 18 Income Statement and Balance Sheet

Lecture 19 Sources and Uses of Funds

Lecture 20 Financial Statement Making Process

Lecture 21 Difference between Income, Liability, Expense and Assets

Lecture 22 Profit and Cash

Lecture 23 Structure of Balance Sheet

Lecture 24 What is important in Reading Balance Sheet

Lecture 25 Second Balance Sheet Reading Skill Understanding Liquidity Position

Lecture 26 Third Balance Sheet Reading Skill - Performance Measurement

Section 3: How to write Bank Loan Proposal - Introduction

Lecture 27 Introduction

Lecture 28 Capture Borrower Profile

Lecture 29 Write Brief Background of Borrower

Lecture 30 Industry / Sector of Borrwer Write Up

Lecture 31 Proposal request Template Format

Lecture 32 Credit Limits Table Formulation

Lecture 33 Group Exposure Table and Interpretation

Lecture 34 Banking Arrangement and Sharing Pattern

Lecture 35 Information Exchange amongst Lending Institutions & Credit Information Companies

Lecture 36 Dun & Bradstreet

Lecture 37 Negative List of Information

Lecture 38 Central Repository of Information of Large Credits

Section 4: Analysis of Financial Ratios

Lecture 39 Introduction to Ratio Analysis (Talking Head)

Lecture 40 Classification of Ratio (Talking Head)

Lecture 41 Introduction to Liqudity Ratio (Talking Head)

Lecture 42 Classification of Liquidity Ratio (Talking Head)

Lecture 43 Current Ratio (Talking Head)

Lecture 44 Quick Ratio (Talking Head)

Lecture 45 Ideal Current Ratio and Quick Ratio (Talking Head)

Lecture 46 Absolute liqudity Ratio (Talking Head)

Lecture 47 Basic Defense interval Ratio (Talking Head)

Lecture 48 Capital Structure Ratios (Talking Head )

Lecture 49 Turn over Ratio (Talking Head )

Lecture 50 Inventory Turn over Ratio (Talking Head )

Lecture 51 Debtors Turn over Ratio (Talking Head)

Lecture 52 Creditors Turn over Ratio (Talking Head)

Lecture 53 Inventory Holding Period (Talking Head)

Lecture 54 Debtors Collection Period (Talking Head)

Lecture 55 Creditors Payment Period (Talking Head)

Lecture 56 Case Study 1 Ratio Analysis (Talking Head)

Lecture 57 Case Study 2 Ratio Analysis (Talking Head)

Lecture 58 Case Study 3 Ratio Analysis (Talking Head)

Lecture 59 Case Study 4 Ratio Analysis (Talking Head)

Lecture 60 Debt Service Coverage Ratio (Talking Head)

Lecture 61 Interest Coverage Ratio (Talking Head)

Lecture 62 Preference Dividend Coverage Ratio (Talking Head)

Lecture 63 Capital Gearing Ratio (Talking Head)

Lecture 64 Profitability Ratio (Talking Head)

Lecture 65 General Profitability Ratio (Talking Head)

Lecture 66 Return on Investment Ratios (Talking Head)

Lecture 67 Various Ratio for Equity Share holders (Talking Head)

Lecture 68 Market Value Ratios (Talking Head)

Lecture 69 Summary and limitation of Ratio Analysis (Talking Head)

Section 5: Performance and Financial Indicators Analysis in Loan Proposal

Lecture 70 Sales Movement Analysis while writing Loan Proposal

Lecture 71 Export Sales Movement

Lecture 72 Analysis of Raw Material Cost

Lecture 73 Analysis of Power Cost

Lecture 74 Analysis of Direct Labour Cost

Lecture 75 Analysis of Selling, General & Admin Cost

Lecture 76 Analysis of Operating Profit

Lecture 77 Analysis of Profit and Profitability

Lecture 78 Analysis of Cash Accruals

Lecture 79 Analysis of PBDIT and Interest Coverage Ratio

Lecture 80 Analysis of Paid Up Capital

Lecture 81 Analysis of TNW, Adjusted TNW and TOL / TNW in Loan Proposal

Lecture 82 Analysis of Current Ratio and Net Working Capital in Loan Proposal

Lecture 83 Analysis of Debt Service Coverage Ration (DSCR) in Loan Proposal

Lecture 84 Analysis of Efficiency Ratios in Loan Proposal

Lecture 85 Comments on Performance and Financial Indicators

Section 6: Fund Flow Analysis for Identifying Diversion of Funds

Lecture 86 Introduction to Fund Flow Analysis (Talking Head)

Lecture 87 Importance of Fund Flow Analysis (Talking Head)

Lecture 88 Fund Flow Through some Numbers (Talking Head)

Lecture 89 Fund Flow Through Digram (Talking Head)

Lecture 90 How to identify long term Sources and Uses (Talking Head)

Lecture 91 Example of Long Term Source And Uses (Talking Head)

Lecture 92 Standard Format of Fund Flow Statement (Talking Head)

Lecture 93 Fund Flow Analysis Case Study

Lecture 94 Fund Flow Statement Analysis of Real Case

Lecture 95 Deficit Analysis in Fund Flow Statement

Lecture 96 Estimate vs Actuals analysis in Fund Flow Statement

Lecture 97 Comprehensive Analysis 1 of Fund Flow Statement

Lecture 98 Comprehensive Analysis 2 of Fund Flow Statement

Lecture 99 Comprehensive Analysis 3 of Fund Flow Statement

Section 7: Cash Flow Analysis for Understanding Cash Generation and Movement

Lecture 100 Cash Flow Statement Introduction (Talking Head)

Lecture 101 Cash Flows from Various Activities (Talking Head)

Lecture 102 Cash Flow Statement Direct Method (Talking Head)

Lecture 103 Cash Flow Statement Indirect Method (Talking Head)

Lecture 104 Case Study 1 Cash flow study (Talking Head)

Lecture 105 Case Study 2 Cash flow study (Talking Head)

Lecture 106 Case Study 3 Cash flow study (Talking Head)

Lecture 107 Cash Flow Analysis in Loan Proposal

Lecture 108 Cash Flow Analysis in Loan Proposal 2

Lecture 109 Cash Flow Analysis in Loan Proposal 3

Lecture 110 Cash Flow Analysis in Loan Proposal 4

Section 8: Real Life Balance Sheet Analysis - Adani Enterprises Limited

Lecture 111 Reading Balance Sheet of Adani Enterprise Limited

Lecture 112 Fundamental Analysis Part 1

Lecture 113 Cash Accruals & Asset Turnover

Lecture 114 Reading Cash Flow Statement of Adani Enterprises Limited

Section 9: Real Life Balance Sheet - Infosys Limited

Lecture 115 Reading Balance Sheet of Infosys Limited

Section 10: Interfirm Comparison, Internal & External Rating and Review of Conduct of Accoun

Lecture 116 Inter firm Comparison in Loan Proposal

Lecture 117 Inter firm Comparison in Loan Proposal Case 1

Lecture 118 Internal Rating in Loan Proposal

Lecture 119 Internal Rating in Loan Proposal - More Insights

Lecture 120 External Rating in Loan Proposal

Lecture 121 Review of Conduct of Accounts in Loan Proposal

Lecture 122 Review of Cash Credit Account

Lecture 123 Review of Term Loan Accounts

Lecture 124 Review of Letter of Credit Facility

Lecture 125 Review of Bank Guarantee

Section 11: Review of Audit Reports, Compliances, Contingencies and Risk Factors

Lecture 126 Review of Warning Signals and Audit Reports in Loan Proposal

Lecture 127 Review of Compliance of Financial Covenants & Sanction Conditions

Lecture 128 Review of Contingent Liabilities and Statutory Dues

Lecture 129 Addressing Risk and Mitigating Factors

Section 12: Finer Pricing, Review of Defaulters List & Loan Policy

Lecture 130 Finer Pricing

Lecture 131 Defaulters List

Lecture 132 Loan Policy

Section 13: Non-Corporate Entities - Features which Bankers should be aware

Lecture 133 Financing Partnership Firm - Part 1

Lecture 134 Financing Partnership Firm - Part 2

Lecture 135 Tax aspects of Partnership Firm

Lecture 136 Company as Partner

Lecture 137 Trust as Partner

Lecture 138 HUF as Partner

Lecture 139 Minor as Partner

Section 14: Types of Business Loans

Lecture 140 Types of Bank Loans for Business

Lecture 141 Bank Loans for New Projects

Lecture 142 Loans available in banking channel

Section 15: Working Capital

Lecture 143 Working Capital Loans

Lecture 144 Working Capital Cycle

Lecture 145 Tandon Committee Recommendations on Working Capital Assessment

Lecture 146 Working Capital Assessement as per Nayak Committee

Lecture 147 Review of Assessed Bank Finance

Lecture 148 Working Capital Cycle Analysis

Section 16: Cash Credit

Lecture 149 Understanding Cash Credit

Lecture 150 Cash Credit Example

Lecture 151 Cash Credit

Lecture 152 Assessment of Cash Credit - ABF Method

Lecture 153 Assessment of Cash Credit - Conservative Method

Lecture 154 Assessment of CC Book Debts

Lecture 155 Is it ok to substitute creditors with CC / OD?

Section 17: Receivables Financing - Monitoring and Precautionary Aspects

Lecture 156 How to monitor Receivables?

Lecture 157 Precautions - Finance against Bills

Lecture 158 Frauds in Bill Financing

Lecture 159 Accomodation Bills

Section 18: Stock Statement

Lecture 160 What is Stock Statement?

Lecture 161 Importance of Stock Statement

Lecture 162 Drawing Power Computation from Stock Statement

Lecture 163 Drawing Power Computation in case of Multiple Banking Arrangement

Lecture 164 DP against unpaid Stock

Lecture 165 Problem of Inflated Stock Statement

Lecture 166 Why Stock Statements are obtained?

Lecture 167 Advances from Customers and its treatment in Drawing Power Computation

Lecture 168 Why Banks are reluctant to fund Receivables from Related Parties?

Section 19: Non Fund Based Credit Facilities

Lecture 169 What and Why of Non Fund Based Credit Facilities?

Section 20: Letter of Credit

Lecture 170 Letter of Credit

Lecture 171 Documents involved in Letter of Credit

Lecture 172 Types of Letter of Credit

Lecture 173 General aspects related to LC

Lecture 174 Assessment of Letter of Credit

Lecture 175 Letter of Credit (Old Lecture)

Lecture 176 LC Computation (Old Lecture)

Lecture 177 Assessment of Letter of Credit Limit

Section 21: Bank Guarantee

Lecture 178 What is Bank Guarantee?

Lecture 179 Types of Bank Guarantee

Lecture 180 Bid Bond Guarantee

Lecture 181 Advance Payment Guarantee

Lecture 182 Appraisal and Assessement o BG Limits

Lecture 183 Bank Guarantee (Old Lecture)

Lecture 184 Types of Bank Guarantees (Old Lecture)

Lecture 185 What is Bid Bond Guarantee?

Lecture 186 Maintenance bond / guarantee

Lecture 187 What is Retention Money Guarantee?

Lecture 188 What is Advance payment Guarantee?

Section 22: Physical Inspection (Post Sanction)

Lecture 189 Physical follow up - Introduction

Lecture 190 Physical follow up and End Use of Funds

Lecture 191 Steps related to Physical Inspection

Section 23: Project Report

Lecture 192 Basics of Project Report

Section 24: Term Loan Appraisal

Lecture 193 Why Business entities should go for Term Loan?

Lecture 194 Term Loan Appraisal By Banks

Lecture 195 Term Loan - Nature of Project

Lecture 196 What is TEV Study?

Lecture 197 Technical Viability of Project

Lecture 198 Financial Viability of Project

Lecture 199 Economic Viability of Project

Lecture 200 Commercial Viability of Project

Lecture 201 Managerial aspects of Project

Lecture 202 Compliance aspects of Project

Lecture 203 Cost of Project and Means of Finance under Term Loan Appraisal

Lecture 204 Land Cost and related inputs under cost of Project - Term Loan Appraisal

Lecture 205 Building Cost and related inputs under cost of Project -Term Loan Appraisal

Lecture 206 Plant and Machinery Cost and related inputs under cost of Project -Term Loan App

Lecture 207 Technical Know how and related inputs under cost of Project -Term Loan Appraisal

Lecture 208 Preliminary Expenses and related inputs under cost of Project -Term Loan Apprais

Lecture 209 Pre-operative Expenses and related inputs under cost of Project -Term Loan Appra

Lecture 210 Provision for Contingencies and related inputs under cost of Project -Term Loan

Lecture 211 Working Capital Margin and related inputs under cost of Project -Term Loan Appra

Lecture 212 General aspects related to estimation of Cost of Project - Term Loan Appraisal

Lecture 213 Introduction of Sources of Finance - Term Loan Appraisal

Lecture 214 Share Capital as source of Finance - Term Loan Appraisal

Lecture 215 Internal Accruals as source of Finance - Term Loan Appraisal

Lecture 216 Subsidies as source of Finance - Term Loan Appraisal

Lecture 217 Debenture as source of Finance - Term Loan Appraisal

Lecture 218 Term Loan as source of Finance - Term Loan Appraisal

Lecture 219 Unsecured Loans as source of Finance - Term Loan Appraisal

Lecture 220 Project Implementation Schedule

Lecture 221 Production Factors - Term Loan Appraisal

Lecture 222 Manufacturing Process - Term Loan Appraisal

Lecture 223 Other Production Factors - Term Loan Appraisal

Section 25: DSCR & FOIR Computation in Term Loan

Lecture 224 DSCR Computation in Term Loan

Lecture 225 Analysis of DSCR (Gross Average & Net Average)

Lecture 226 Analysis of DSCR 2 (Gross Average & Net Average)

Lecture 227 How to improve DSCR?

Lecture 228 Term Loan Eligibility Calculation

Lecture 229 FOIR Computation in Term Loan

Lecture 230 Project Viability - Case Study

Section 26: Break Even Analysis

Lecture 231 Break Even Analysis

Lecture 232 Break Even Point Example

Lecture 233 Break Even Point Graph

Lecture 234 Break Even Test by Bankers

Lecture 235 Cash Break Even Analysis

Lecture 236 Break Even Analysis Case 1 in Term Loan Appraisal

Lecture 237 Break Even Analysis Case 2 in Term Loan Appraisal

Section 27: Sensitivity Analysis

Lecture 238 Sensitivity Analysis in Term Loan Appraisal

Lecture 239 Sensitivity Analysis Sales Drop Testing Case 1 in Term Loan Appraisal

Lecture 240 Sensitivity Analysis Variable Cost Increase Testing Case 2 in Term Loan Appraisa

Lecture 241 Sensitivity Analysis Material Cost Increase Testing Case 3 in Term Loan Appraisa

Lecture 242 Sensitivity Analysis DSCR Testing Case 4 in Term Loan Appraisal

Section 28: Credit Rating

Lecture 243 ECRA

Lecture 244 Default

Lecture 245 Credit Rating Scale

Lecture 246 Importance of Credit Rating Scale

Section 29: Credit Risk Rating for Trading Entities

Lecture 247 Introduction to Trading Enterprises

Lecture 248 How Final Rating will be arrived?

Lecture 249 Financial Risk (Static) based on latest financials

Lecture 250 Financial Risk (Dynamic) based on 3 years financials

Lecture 251 Market Risk

Lecture 252 Managerial Risks

Lecture 253 Security Value

Lecture 254 Contingent Risk

Lecture 255 Additional factors to determine pricing

Section 30: Credit Risk Rating for Non Trading Entities

Lecture 256 Introduction to Credit Risk Rating of Non Trading Entities

Lecture 257 Financial Risk (Static) - Current Ratio

Lecture 258 Total Outside Liabilities to Tangible Networth

Lecture 259 Interest Coverage Ratio

Lecture 260 PAT / Net Sales

Lecture 261 Financial Risk (Dynamic) - Current Ratio

Lecture 262 Total Outside Liabilities to Tangible Networth

Lecture 263 Interest Coverage Ratio

Lecture 264 Financial Risk - Net Sales

Lecture 265 Market Risk

Lecture 266 Managerial Risk

Lecture 267 Security Value

Lecture 268 Capital Market Perception

Lecture 269 Contingent Risk

Lecture 270 Compliance

Lecture 271 Pricing Factors

Lecture 272 Final Rating

Section 31: Credit Scoring

Lecture 273 Credit Scoring & Credit Score

Lecture 274 What is Good Credit Score?

Lecture 275 What is CIBIL?

Lecture 276 What is CIBIL Score?

Lecture 277 Factors affecting CIBIL Score

Lecture 278 Reasons for Poor Credit Score

Lecture 279 How to improve Credit Score?

Lecture 280 Mistakes in Credit Scoring

Lecture 281 How to correct your Credit Score?

Lecture 282 5 Myths around Credit Score

Section 32: Key Analysis by Bankers

Lecture 283 Why Bankers reluctant to sanction Working Capital Facility?

Lecture 284 Why Bankers are running after seeing this Balance Sheet?

Lecture 285 Why Current Ratio of at least 1.33 is insisted by Bankers?

Lecture 286 What are Current Assets and Current Liability?

Lecture 287 How Bankers Understand Long Term Stability of Business?

Lecture 288 Return on Investment Case Study

Lecture 289 Importance of Debt to Equity Ratio

Lecture 290 Preference Share Capital

Lecture 291 Why Banks are insisting on Margins on Loans

Lecture 292 Why Banks insist on Financial Statements

Lecture 293 How Sales analysis made by Banker

Section 33: Marginal Cost of Funds based Lending Rate (MCLR)

Lecture 294 What & Why of MCLR

Lecture 295 Calculation of MCLR

Lecture 296 Misc. Items related to MCLR

Section 34: Export Credit

Lecture 297 Export Credit

Lecture 298 Preshipment Credit

Lecture 299 Assessment of Preshipment Credit

Section 35: Terms of Payment in Export Transactions

Lecture 300 Introduction to Terms of Payment

Lecture 301 Advance Payment

Lecture 302 Documentary Credit

Lecture 303 Parties in Documentary Credits

Lecture 304 Details included in Letter of Credit

Lecture 305 Practical Mechanism in Letter of Credit

Lecture 306 Different Kinds of Letters of Credit

Section 36: Export Finance

Lecture 307 Introduction to Export Finance

Lecture 308 Preshipment Finance - Packing Credit

Lecture 309 Advance against Incentives

Lecture 310 Preshipment Credit in Foreign Currency

Lecture 311 Postshipment Finance

Lecture 312 Negotiation of Export Documents under Letter of Credit

Lecture 313 Purchase or Discount of Foreign Bills

Lecture 314 Advance against bills sent on collection

Lecture 315 Advance against goods sent on consignement

Lecture 316 Advance against Export Incentives

Lecture 317 Advance against undrawn balances and retrention money

Lecture 318 Post shipment credit in Foreign Currency

Section 37: CMA

Lecture 319 CMA Introduction

Lecture 320 CMA - Operating Statement

Lecture 321 Capturing Past Data from Audited Financial Statements

Lecture 322 Analysing Previous Years Income Statement

Lecture 323 Analysing Previous Year Liability Statement

Lecture 324 Analysing Previous Years Asset Statement

Section 38: COMPUTERISED ACCOUNTING SYSTEM

Lecture 325 Introduction

Lecture 326 Classification of comp

Lecture 327 Features

Lecture 328 Terms used

Lecture 329 Differences

Lecture 330 Adv and Disadv

Lecture 331 Functions of CAS

Lecture 332 Comp scope in banking

Lecture 333 Why compl automation

Lecture 334 Centralised Infra

Lecture 335 Core bank and benefits

Lecture 336 Tech architecture CBS

Lecture 337 Flow of transaction

Lecture 338 Information Security

Lecture 339 SOP PC LAPTOP

Lecture 340 Pwd Mgmt Policy

Section 39: BANKING OPERATIONS

Lecture 341 Introduction

Lecture 342 Functions of bank

Lecture 343 Main functions of bank

Lecture 344 Front office and Back office

Lecture 345 Outsourcing activities

Lecture 346 Operational Instructions in Banks

Lecture 347 Banking Operations Manual

Section 40: OPERATIONAL ASPECTS KYC

Lecture 348 Operational aspects of KYC Norms

Lecture 349 KYC Norms - Customer Acceptance Policy

Lecture 350 KYC Norms - Customer Identification Procedure

Lecture 351 KYC Monitoring Transaction

Lecture 352 KYC Risk Management

Lecture 353 Selecting Additional information KYC

Lecture 354 Norms for Periodic Updation of KYC

Lecture 355 KYC Relaxatio

Lecture 356 eKYC

Lecture 357 Customer Service in Banks

Lecture 358 ATM Transactions

Lecture 359 Recent Changes in customer Service - RBI

Lecture 360 BCSBI

Section 41: LOAN ACCOUNTS

Lecture 361 Introduction

Lecture 362 Technical Term

Lecture 363 Technical Term 2

Lecture 364 Priority Sector 3

Lecture 365 Technical Term 4

Lecture 366 Basic Rate

Lecture 367 Fixed & Floating Rate

Lecture 368 Penal Rate of Interest

Lecture 369 Security

Lecture 370 Document of title to Goods & Bankers General Lien

Lecture 371 Negative lien , Restriction Advances, Rehabilitation & Recovery

Lecture 372 Operational Process of loan in Banks

Lecture 373 Methods for Assessment of loans

Lecture 374 Accounting aspects of loan Products

Lecture 375 Basic Operating Instructions on Loan Products

Lecture 376 Operating Manual for C & A

Lecture 377 Simple Operating Procedure

Lecture 378 Documentation & Margin

Lecture 379 VALUATION

Lecture 380 Marketability

Lecture 381 Insurance

Lecture 382 Godown Pledged Accounts

Lecture 383 Pledging of stocks

Lecture 384 Unpledged Goods Stored in Pledged Goods Godown

Lecture 385 Delivery of Stock Pledged

Lecture 386 Submission of Stock Statements

Lecture 387 Goods Hypothecated lying with Unhypothecated Goods

Lecture 388 Inspection of Stock

Lecture 389 SIP

Lecture 390 Inspating official comment in SIR

Lecture 391 SA

Lecture 392 Inspection Charge

Section 42: Import Finance

Lecture 393 What is Buyers Credit

Lecture 394 Discontinuation of Letter of Undertaking / Letter of Comfort for Trade Finance

Section 43: Other Banking Products

Lecture 395 What is Stand By Letter of Credit?

Section 44: Corporate Banking

Lecture 396 Introduction to Corporate Banking

Lecture 397 Meaning and Importance of Corporate Banking

Lecture 398 Cash Management

Lecture 399 RTGS

Lecture 400 NEFT

Lecture 401 ECS

Lecture 402 Receivables Management

Lecture 403 What is Cheque Truncation?

Lecture 404 Introduction to Factoring

Lecture 405 Functions of Factor

Lecture 406 Types of Factoring

Lecture 407 Difference between Bill Discounting & Factoring

Lecture 408 What is Forfaiting?

Lecture 409 Difference between Forfaiting & Export Factoring

Lecture 410 Impact of Factoring on Balance Sheet

Lecture 411 Trusteeship Services

Lecture 412 Debenture Trusteeship

Lecture 413 Security Trusteeship

Lecture 414 Attorney Ship Services

Lecture 415 Custodial Services

Lecture 416 Risks associated with Custodial Services

Lecture 417 Business Advisory Services

Lecture 418 Offshore Banking Services

Section 45: Supply Chain Financing

Lecture 419 Introduction to Supply Chain Financing

Lecture 420 What is Supply Chain ?

Lecture 421 Why Supply Chain Financing is important?

Lecture 422 What is Vendor Financing?

Lecture 423 What is Vendor Receivable Financing?

Lecture 424 What is Dealer Financing?

Lecture 425 Advantages of Supply Chain Financing to Bank

Lecture 426 Advantages of Supply Chain Financing to OEM, Vendor & Dealer

Section 46: On Demand Case Studies (In response to students queries)

Lecture 427 How to establish DP for 1st Time CC release

Lecture 428 How to decide on Credit Period ?

Lecture 429 Debtors ageing analysis

Lecture 430 Retail loan for owner of proprietorship

Lecture 431 Whether LC affects MPBF?

Lecture 432 Difference between LC&BG

Lecture 433 Tax Accounting Treatment

Lecture 434 Whether TL repayment is funded by MPBF?

Lecture 435 How to understand the movement of Net Working Capital

Lecture 436 Analysis of CMA report

Lecture 437 DSCR interest Add Bank Confusion

Lecture 438 DP For Term Loan

Lecture 439 Cash Withdrawal From CC Limit

Lecture 440 Advance Received From Customer Impact On Current Ratio

Lecture 441 Why Bank Add CC Interest While Calculating DSCR

Lecture 442 How To Calculate NWC While TL & WC are Given

Lecture 443 How to justify when debtors increases only at end of year

Lecture 444 More Tax = More Loan - Myth or Reality?

Lecture 445 Why interest on term loan is calculated on average balance?

Lecture 446 Difference between Bills Purchased & Bills Discounting

Lecture 447 Do you know the power of Cash Discount?

Lecture 448 Preference Share Capital - Meaning, Features, Ads & Cons

Lecture 449 Manipulations in Financial Statement & How to become better reader of Financial

Lecture 450 What is Mudra Loan?

Lecture 451 Why interest is calculated on average balance in term loan projections?

Lecture 452 What is Rule 72, 114 & 144?

Lecture 453 What is CAGR?

Lecture 454 Difference between LC & BG

Lecture 455 What is LC Bill Discounting?

Lecture 456 Preference Share Capital - Meaning, Features, Ads & Cons

Lecture 457 Do you know the power of Cash Discount?

Lecture 458 How to identify Manipulations in Financial Statements

Lecture 459 What is Nostro Account?

Lecture 460 What is difference between Schedule III & VI of Companies Act, 2013?

Lecture 461 What is the difference between Letter of Comfort & Guarantee?

Lecture 462 Why ECGC Cover required?

Lecture 463 Part 1 Whether Company can borrow from Directors?

Lecture 464 Part 2 Whether company can borrow from Director?

Lecture 465 Part 3 Whether company can borrow from Director?

Lecture 466 Differences between Co-Applicant & Guarantor

Lecture 467 What is EBIDTA?

Lecture 468 Is it ok to substitute creditors with CC / OD?

Lecture 469 Why Banks are reluctant to fund Receivables from Related Parties?

Lecture 470 How Vendor Bill Discounting works?

Lecture 471 What are Reserves?

Lecture 472 Why interest on CC not considered in DSCR Calculation?

Lecture 473 Whether GST on Receivables can be funded in CC?

Lecture 474 CC Assessment: Why disparity between Turnover Method and MPBF Method

Section 47: FINAL SECTION

Lecture 475 Bonus Lecture

Bankers,Consultants(Management/Banking/Finance),Finance Managers,Entrepreneurs looking for Raising Funds,Department Heads,Chartered Accountants,Cost Accountants,Bank DSA