Banking Strategy, Credit Appraisal, and Lending Decisions
A Risk-Return Framework
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A termék adatai:
- Kiadás sorszáma 2
- Kiadó OUP India
- Megjelenés dátuma 2011. október 20.
- ISBN 9780198074106
- Kötéstípus Puhakötés
- Terjedelem632 oldal
- Méret 242x186x32 mm
- Súly 806 g
- Nyelv angol 0
Kategóriák
Rövid leírás:
This book provides a comprehensive analysis of lending strategies, credit appraisal, risk analysis, and lending decisions within a risk-return framework. The revised edition also discusses topical issues such as the impact of capital regulation on the risk attitude and profitability of banks, strategies to protect banks from a liquidity crisis, and the need of a portfolio approach in developing models for credit exposure and loan management.
TöbbHosszú leírás:
Banks and financial institutions are faced with two apparently conflicting phenomena-interest rate deregulation on the one hand and capital adequacy requirements and prudential norms on the other. In such a situation, these institutions need to work out a strategic framework which must evolve around the profit objective so as to build up quality loan-assets portfolios and to ensure adequate capital growth. This book provides a comprehensive analysis of lending strategies, credit appraisal, risk analysis, and lending decisions within the overall objectives of a lending organization.
This revised edition takes into account recent global developments in the banking sector as well as changes in the notion of banking. It includes three new chapters in which the author discusses topical issues such as the impact of capital regulation on the risk attitude and profitability of banks, strategies to protect banks from a liquidity crisis, and the need of a portfolio approach in developing models for credit exposure and loan management within a risk-return framework.
Providing a logical framework along with examples of practical applications and case studies, this book imparts students and professionals with required skills necessary to develop the expertise needed to manage finance and credit in banking and elsewhere in the financial sector.
Tartalomjegyzék:
Acknowledgements
Preface to the Second Edition
Introduction
Capital Regulation and Risk Management Strategy;
Liquidity Management and Asset-Liabilities Strategy;
Banking Strategy;
Lending Strategy and Loan Policy;
Fixed Assets;
Working Capital: A Techno-Financial Approach;
Current Assets and Fictitious Assets;
Long-Term Liabilities;
Current Liabilities;
Profit and Loss Account;
Understanding the Balance Sheet;
New Era of Lending: Tandon Committee and its Aftermath;
Business Forecasting and Credit Decisions;
Funds Flow and Cash Flow Analysis;
Cost, Profitability and Break-Even Analysis;
Appraisal and Monitoring through Ratios;
Project Appraisal: Methods and Techniques;
Project Appraisal and Lending Decisions;
Small Business Loan;
Credit-Risk Analysis;
Bibliography
Index