Introduction to Bank
Lending Environment

A practical guide to the lending function of a bank

The Themes of this Product are:

  • Understand the importance of credit in stabilizing the financial system of an economy

  • Know the principles of lending and the eligibility criteria for bank lending

  • Understand the concept of working capital and the various methods of assessing the working capital

  • Enumerate the various types and forms of lending (vis--vis lending against shares, real estate, and term loans).

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Overview

This e-learning course on 'Introduction to Bank Lending Environment' is designed to help users understand the lending aspect of a bank. The course covers the principles of lending, the various forms and types of commercial lending by a bank. An in-depth discussion about the concept of working capital and the various methods of assessing the working capital is provided.


On completing this course you will be able to:
  • 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


Course Level and Number of Courses
Basic to Intermediate. Library of 7 Courses

Instructional Method
Dynamic, Interactive e-learning

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  Library of 7 Courses
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Introduction to Bank Lending Environment
Time taken to complete each Course: One hour

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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