STRATEGIC CREDIT MANAGEMENT IN BANKS

by G. S POPLI, S. K. PURI

Overview

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 minimising 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.

Product Details

ISBN-13:	9788120347045
Publisher:	PHI Learning
Publication date:	01/23/2013
Sold by:	Barnes & Noble
Format:	eBook
File size:	1 MB

About the Author

<TABLE border=0 width="100%"><TBODY><TR><TD class=subheading vAlign=top noWrap><B>Author Name</B>&nbsp;</TD><TD class=normal>POPLI, G. S.&nbsp;</TD></TR><TR><TD class=subheading vAlign=top noWrap><B>About Author</B>&nbsp;</TD><TD class=normal>

<STRONG>G.S. Popli</STRONG>, Ph.D., is Director and Professor of Banking and Finance at Delhi School of Professionals Studies &amp; Research, Delhi. Also, he is a veteran banker having about three decades of versatile experience in the field of banking starting from branch banking to corporate office of Oriental Bank of Commerce. He also delivers lectures at Staff Training Colleges of banks and some management institutes in Delhi/NCR.
Dr. Popli is a CAIIB and CeBA qualified professional. He was conferred <STRONG>Delhi Udyog Rattan</STRONG> award by the then Industry Minister of National Capital Region of Delhi in 2008 for his contribution on SME Financing in India. He has more than 45 research papers to his credit, which have been published/presented in various international and national journals/seminars.
</P>&nbsp;</TD></TR><TR><TD>&nbsp;</TD><TD>&nbsp;</TD></TR><TR><TD class=subheading vAlign=top noWrap><B>Author Name</B>&nbsp;</TD><TD class=normal>PURI, S. K.&nbsp;</TD></TR><TR><TD class=subheading vAlign=top noWrap><B>About Author</B>&nbsp;</TD><TD class=normal>

<STRONG>S.K. Puri</STRONG> was Assistant General Manager at Oriental Bank of Commerce, Regional Office, Mumbai (South). He is a CAIIB qualified professional having more than three decades of experience in the banking sector.&nbsp; Mr. Puri has a rich working experience in bank loans and advances department. He has also served as senior faculty at Staff Training College of banks.</P>&nbsp;</TD></TR></TBODY></TABLE>

Table of Contents

Preface. 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.