• Overview of the lending function of a bank
• Principles of lending and the characteristics of a good collateral
• Various forms of bank lending
• Lending against shares
• Lending against real estate
• Term loans
• Letters of credit
• The concept of working capital and the method to work out optimum working capital

Instructional Method
Dynamic, Interactive e-learning

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1. Credit and Economic Growth

• The effect of credit and inflation on the economic growth of an economy
  
• The various factors responsible for creating a credit crunch in the economy and its consequences
  
• The importance of credit in stabilizing the financial system
  

2. Commercial Lending

• The important functions of commercial banks viz. lending and accepting deposits
• The principles of lending and the eligibility criteria for grant of loans
  
• The three C's of credit and the enhanced 3C's of credit
  
• The different types of loans and advances that are granted by banks
  
• The various characteristics of a good collateral
  

3. Working Capital

• The concept of working capital and net working capital
• The concept of current assets and current liabilities
  
• The method to work out optimum working capital
  
• The various methods of assessing the working capital
  
• The kinds of credit limits available under working capital
  

4. Bills and Letters of Credit

• The various types of bills and letters of credit
• The methodology to scrutinize bill
  

5. Lending Against Shares

• The concept of market capitalization
• The various types of ratios
  
• Operations of primary and secondary market
  

6. Lending Against Real Estate

• The challenges faced by the housing finance industry
• The different types of housing loans
  
• The importance of credit appraisal before disbursing a housing loan
  
• The different types of mortgages
  

7. Term Loan

• The components of capital
• The various types of leverage
  
• The concept of cost of capital and valuation
  
• The types of long-term sources of fund
  

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