Business Banking credit analysis process

Banking Credit Analysis Process

Complete Video lecture Package on Banking Credit Analysis Process from Concells Learning Solutions

Overview of Banking Credit Analysis Process

Complete Video Lecture Pacakge on Banking Credit Analysis Process from Concells Learning Solutions consists of top quality video lectures of around 5 hours duration. The full eCourse Package along with the required software is delivered on a DVD with suitable for consumption on Windows PC/Laptop or Android Tablet/Smartphones. This course is also offered online and is suitable for consumption on all kind of devices with internet connection.

Table of contents

Course Name: Banking Credit Analysis Process
S.No Video Name
Section 1- Introduction to Credit Anlaysis
1 Why Credit Analysis is Required
2 Know Your Customers
3 Know Customer Integrity
4 Know Performance Efficiency
5 Know Financial Position and Ability to Pay Back
6 Know about Industry
7 Legal and Valuation
Section 2- Financial Statements Reading Skill
8 Structure of Balance Sheet
9 What is Important in Reading Balance Sheet
10 First Balance Sheet Raeding Skill Understanding Long Term Solvency
11 Second Balance Sheet Reading Skill Understanding Liquidity Positions
12  Third Balance Sheet Reading Skill- Performance Measurement
Section 3- Financial  Analysis through Ratios
13 Introduction to Financial Ratios
Various Types of Financial Ratios
  Section 3A - Liquidity Ratios
14 Current Ratio
15 Quick Ratio
16 Absolute Liquid Ratio
17 Basic Defence Interval Ratio
Section 3B- Capital Structure Ratios
18 Capital Structure Ratios - Equity Ratio
19 Capital Structure Ratios - Debt Ratio
20 Capital Structure Ratios - Debt to Equity Ratio
Section 3C- Coverage Ratios
21 Coverage Ratios (DSCR)
22 Interest Coverage Ratio
23 Preference Dividend Coverage Ratio
24 Capital Gearing Ratio
Section 3D- Activity Ratios
25 Activity Ratios
26 Capital Turnover Ratio
27 Fixed Assets Turnover Ratio
28 Total Assets Turnover Ratio
Section 3E- Working Capital Ratios
29 Working Capital Turnover Ratio
30 Inventory Turnover Ratio
31 Inventory Holding Level
32 Debtors Turnover Ratio
33 Average Collection Period
34 Creditors Turnover Ratio
35 Average Payment Period
Section 3F- General Profitability Ratios
36 General Profitability Ratios
37 Gross Profit Ratio
38 Net Profit Ratio
39 Operating Ratio
40 Operating Profit Ratio
41 Expenses Ratio
Section 3G- Overall Profitability Ratios
42 Overall Profitability Ratios
43 Return on Assets
44 Return on Capital Employed
45 Return on Share holders funds
Section 3H- Equity Share holders Ratios
46 Return on Equity Share holders funds
47 Earnings Per Share
48 Cash Flow Earnings Per Share
49 Dividend Per Share
50 Dividend Pay Out Ratio
51 Dividend Yield Ratio
52 Illustration on Return on Equity Shareholders Funds
Section 3I- Valuation Ratios
53 Market Value Ratios
54 Earnings Yield Ratio
55 Price Earnings Ratio
56 Price to Cash Flow Ratio
Section 3J- Leverage Ratios
57 Leverage and its Types
58 Leverage Concepts Example
59 Leverage Analysis and Sales Movement
Section 4- Fund Flow Analysis
60 Fund Flow Analysis Introduction
61 Fund Flow Analysis Example
62 Uses of Fund Flow Statement
Section 5- Cash Flow Analysis
63 Cash Flow-Introduction
64 Cash Flow- Activities
65 Cash Flow-Operating Activity
66 Cash Flow-Investing Activity
67 Cash Flow- Financing Activity
Section 6- Types of Business Loans
68 Types of Bank Loans for Business
69 Bank Loans for New Projects
70 Loans available in banking channel
Section 7- Working Capital
71 Working Capital Loans
72 Working Capital Cycle
Section 8- Cash Credit
73 Understanding Cash Credit
74 Cash Credit Example
Section 9- Letter of Credit
75 Letter of Credit
76 LC Computation
Section 10- Bank Gurantee
77 Bank Guarantee
78 Types of Bank Guarantees
Section 11- Term Loan Appraisal by Bank
79 Term Loan Appraisal By Banks
80 Term Loan - Nature of Project
81 Cost of Project and Means of Finance
82 Cost of Project
83 Land Cost
84 Building Cost
85 Plant and Machinery Cost
86 Preliminary and Preoperative Expenses
87 Other Cost and Interest duirng Implementation
88 Provision for Contingency
Section 12- Project Viability
82 What is Project Viability
83 Project Viability - Case Study
Section 13- Break Even Analysis
91 Break Even Analysis
92 Break Even Point Example
93 Break Even Point Graph
94 Break Even Analysis- Comprehensive Illustration
Section 14- Credit Rating
96 Default
97 Credit Rating Scale
98 Importance of Credit Rating


About faculty of Banking Credit Analysis Process

CA Raja
"I have worked in State Bank of India as Assistant Vice President - Credit for a period of four years after which i started my CA Practice. During the stint in SBI, i have gained good experience in Mid Corporate Credit Analysis, Project Finance, Risk Assessment, etc. I have handled various sessions on a) Project Finance b) Credit Risk Assessment c) Entrepreneurship Development I love teaching and i want fundamentals of accounting to reach students"

About institute

Concells Learning Solutions
Concells Business Consultant was set up in 2013 in Chennai with Branches in Tamil Nadu and Kerala as a dynamic business consulting firm by ex-Bank officers who worked in State Bank of India at senior level responsible for credit requirement of big corporate and Small and Medium Enterprises (SMEs). CONCELLS established to provide world-class business solutions that are valued by corporate clients and need of the hour to SMEs for functional and technical expertise and respected for the professional excellence and adherence to highest ethical standards. CONCELLS aimed at assisting its entrepreneur clients in scaling new heights by arranging adequate finance at correct cost from Banks and Financial Institutions. CONCELLS engages highly qualified professionals from diverse fields who have deep understanding of the various business models unique to each entrepreneur. CONCELLS believes and works on a professional, ethical set of values in a transparent manner in creating world class organisation respected for its principles and excellent service standards.

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