Hong Kong Institute of Bankers (HKIB):Bank Lending
- new book ISBN: 9780470827475
InhaltsangabePreface ixPART 1 PERSONAL AND CORPORATE LENDING 11 Lending to Personal Customers 3Introduction 4General Lending Principles 4Types of Personal Customers 5General Purposes of P… More...
InhaltsangabePreface ixPART 1 PERSONAL AND CORPORATE LENDING 11 Lending to Personal Customers 3Introduction 4General Lending Principles 4Types of Personal Customers 5General Purposes of Personal Advances 6Types of Lending to Individuals 7Consumer Credit Data 22Evaluating a Personal Advance Application 24Summary 26Key Terms 26Study Guide 27Further Reading 272 Lending Considerations for Corporate Customers 29Introduction 30The Balance Sheet 30The Profit and Loss Account 37The Cash Flow Statement 42Cash Budget and Cash Flow Forecast 49Reliability of Accounting Information by Source 50Summary 55Key Terms 55Study Guide 56Further Reading 56Appendix 2.1: Comparing FIFO, LIFO, and AVR Inventory Methods 573 Financial Ratios and Operating Risks 61Introduction 62Techniques of Financial Analysis 62Understanding Ratio Analysis 63DuPont Analysis 80Limitations of Financial Ratios 81Operating Risks of the Borrower 82Analysis Tools and Approaches 86Summary 94Key Terms 94Study Guide 95Further Reading 95PART 2 CORPORATE CREDIT 974 Credit Assessment 99Introduction 100Lending Principles 100Credit Decision Tree 102Credit Risk Rating 110Summary 118Key Terms 118Study Guide 118Further Reading 1195 Structuring a Loan Facility 121Introduction 122Security in Bank Lending 122Conditions and Covenants 132Pricing a Loan Facility 134Summary 140Key Terms 141Study Guide 142Further Reading 142Appendix 5.1: Sample Loan Agreement 142Appendix 5.2: SME Funding Schemes 1486 Meeting Business Needs 151Introduction 152Business Sectors in Hong Kong 152Types of Credit 163Trade Finance 169Working Capital Management 180Summary 186Key Terms 186Study Guide 187Further Reading 1877 Credit Control and Problem Loans 189Introduction 190Credit Management Process and Structure 190Characteristics of a Sound Credit Monitoring System 196Credit Risk Mitigation 197Corporate Failure 198Remedial Actions 202Summary 206Key Terms 206Study Guide 206Further Reading 207Index 209 Bank Lending: InhaltsangabePreface ixPART 1 PERSONAL AND CORPORATE LENDING 11 Lending to Personal Customers 3Introduction 4General Lending Principles 4Types of Personal Customers 5General Purposes of Personal Advances 6Types of Lending to Individuals 7Consumer Credit Data 22Evaluating a Personal Advance Application 24Summary 26Key Terms 26Study Guide 27Further Reading 272 Lending Considerations for Corporate Customers 29Introduction 30The Balance Sheet 30The Profit and Loss Account 37The Cash Flow Statement 42Cash Budget and Cash Flow Forecast 49Reliability of Accounting Information by Source 50Summary 55Key Terms 55Study Guide 56Further Reading 56Appendix 2.1: Comparing FIFO, LIFO, and AVR Inventory Methods 573 Financial Ratios and Operating Risks 61Introduction 62Techniques of Financial Analysis 62Understanding Ratio Analysis 63DuPont Analysis 80Limitations of Financial Ratios 81Operating Risks of the Borrower 82Analysis Tools and Approaches 86Summary 94Key Terms 94Study Guide 95Further Reading 95PART 2 CORPORATE CREDIT 974 Credit Assessment 99Introduction 100Lending Principles 100Credit Decision Tree 102Credit Risk Rating 110Summary 118Key Terms 118Study Guide 118Further Reading 1195 Structuring a Loan Facility 121Introduction 122Security in Bank Lending 122Conditions and Covenants 132Pricing a Loan Facility 134Summary 140Key Terms 141Study Guide 142Further Reading 142Appendix 5.1: Sample Loan Agreement 142Appendix 5.2: SME Funding Schemes 1486 Meeting Business Needs 151Introduction 152Business Sectors in Hong Kong 152Types of Credit 163Trade Finance 169Working Capital Management 180Summary 186Key Terms 186Study Guide 187Further Reading 1877 Credit Control and Problem Loans 189Introduction 190Credit Management Process and Structure 190Characteristics of a Sound Credit Monitoring System 196Credit Risk Mitigation 197Corporate Failure 198Remedial Actions 202Summary 206Key Terms 206Study Guide 206Further Reading 207Index 209, Wiley<
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Wiley:Bank Lending
- new book 2012, ISBN: 9780470827475
Sophisticated banking is vital for modern society to function and prosper. Banks lend to individuals and corporations but do so after carefully exploring the risks they undertake to each … More...
Sophisticated banking is vital for modern society to function and prosper. Banks lend to individuals and corporations but do so after carefully exploring the risks they undertake to each customer. This book examines the important role of lending in banking operations and how banks can implement safe and effective loan initiatives. Banks rely on lending to generate profits, but it can be a risky Sophisticated banking is vital for modern society to function and prosper. Banks lend to individuals and corporations but do so after carefully exploring the risks they undertake to each customer. This book examines the important role of lending in banking operations and how banks can implement safe and effective loan initiatives. Banks rely on lending to generate profits, but it can be a risky venture. It is important for banking professionals to understand how to mitigate those risks. Bank Lending from the Hong Kong Institute of Bankers discusses a variety of topics that impact a bank's loan strategy. This is an essential read for candidates studying for the HKIB Associateship Examination and those who want to acquire expert knowledge of Hong Kong's bank lending system. Topics covered in this book include: Assessing and reducing lending risk Understanding the customer through financial statements Using ratios to determine risk Setting up an internal structure to reduce risk Pricing and managing loans Dah Sing Bank is delighted to sponsor this resourceful book. The Dah Sing Group is a leading financial services group in Hong Kong, active in providing banking, insurance, financial, and other related services in Hong Kong, Macau, and the People's Republic of China. The Dah Sing Group has gained a reputation as one of the most progressive and innovative financial services groups. Keys to its success are the strength of the Dah Sing management team and the group's commitment to serving its customers. eBooks, , Bank Lending~~EBook~~9780470827475, , Bank Lending, , 9780470827475, Wiley, 03/13/2012, , , , Wiley<
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Antonios Tsourdos:Bank Lending
- new book ISBN: 9780470827475
; EPUB; Business,Finance and Law > Finance & accounting > Finance > Banking, Wiley
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Hong Kong Institute of Bankers (Hkib):Bank Lending
- First edition 2012, ISBN: 9780470827475
eBooks, eBook Download (PDF), Auflage, [PU: Wiley], [ED: 1], Wiley, 2012
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Hong Kong Institute of Bankers (Hkib):Bank Lending
- First edition 2012, ISBN: 9780470827475
[ED: 1], Auflage, eBook Download (PDF), eBooks, [PU: Wiley]
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(*) Book out-of-stock means that the book is currently not available at any of the associated platforms we search.