Strategic Credit Management In Banks

Strategic Credit Management In Banks by G. S. Popli, S. K. Puri

Book Summary:

Credit management has always been one of the principal sources of income for commercial banks. Therefore, strategic credit management is vital to cash flow as it helps in minimizing the likelihood of bad debts.

The present text, supported with flow diagrams, data and bank formats, wherever necessary, explains the legal requirements for disbursements and controlling of different types of credit. It also guides readers on step-by-step procedures of bank credit to enable them to form a clear understanding.

Besides dealing with the theory and conceptual terms, the book incorporates the latest developments in the field of bank credit. It imparts knowledge of appraisal system of credit applications/proposals and their post-sanction monitoring, credit policy, types of loans and advance facilities granted by banks in India, and analysis of borrowers with particular reference to their legal capacity. It helps in developing skills for identifying, measuring and mitigating risks associated with lending.

The book gives various regulatory guidelines pertaining to real estate financing and includes separate chapters devoted to agriculture finance, lending to small-, medium- and large-scale industry, and import and export financing.

The book is aimed at postgraduate students of management and commerce. The text will also be of great value to practising credit managers, finance managers and accountants.

Audience of the Book :

This book Useful for Management & Commerce students.

Table of Contents :

1. Credit Management in Banks.

2. Appraisal of Credit Proposals Sanctioning of Credit Limits.

3. Post-Sanction Compliance: Monitoring/Supervision of Advances.

4. Overview of Bank’s Credit Policy and Loan Characteristics.

5. Different Types of Loan and Advances.

6. Credit Analysis: Different Types of Bank Borrowers.

7. Evaluating Commercial Loan Request: Financial Statements Analysis Financial Statements as a Tool of Appraisal.

8. Ratio Analysis as Tool for Financial Statement Analysis.

9. Funds Flow and Cash Flow Analysis.

10. Retail Banking Advances and Evaluating Consumer Loans.

11. Loans and Advances Against Various Types of Securities.

12. Advances Against Bank Deposits.

13. Advances Against Government Securities: Stocks and Promissory Notes.

14. Advances Against Postal Securities (National Savings Certificates, Kisan Vikas Patras, Public Provident Fund and other Deposit Schemes).

15. Advances Against Life Insurance Policies.

16. Advances Against Gold and Silver Jewellery.

17. Advances Against Shares, Debentures, Units and Bonds.

18. Advances Against Bills of Exchange.

19. Real Estate Financing.

20. Agriculture Financing by Banks of India.

21. Financing Small and Medium Enterprises (SMEs).

22. Working Capital Finance.

23. Project Financing.

24. Foreign Trade Policy.

25. Import Credit.

26. Export Credit.

27. Export Credit and Guarantee: Corporation (ECGC) of India.

28. Management of Non-Performing Assets.

Index.