IIBF X Taxmann's Bankers' Handbook on Credit Management – Comprehensive Guide for Bankers in Managing Credit Portfolios with Practical Examples | Regulatory Guidelines | Recent Developments
About this ebook
The focus areas of this handbook revolve around the credit operations of commercial banks and delve into:
• An Introduction to and Overview of Credit
• Analysis of Financial Statement
• Working Capital Management
• Other Credits
• Monitoring, Supervision/Follow-up, and Management of Impaired Assets
Emphasis is placed on real-world applications of credit management concepts and functions. To ensure the reader is well-equipped with the latest knowledge, this book incorporates the recent developments and guidelines in the field.
This book is not only the recommended courseware for the IIBF's 'Certified Credit Professional Course', recognized by the Reserve Bank of India & Indian Banks Association for enhancing the skills of banking professionals, but also an invaluable asset for anyone intrigued by the nuances of bank credit functions within India.
The Present Publication is the 3rd Edition, updated by P.D. Sankaranarayanan (Former Assistant General Manager – State Bank of India) and vetted by D. Srinivasan (Former Deputy General Manager & Faculty | Training College – Indian Bank). Taxmann exclusively publishes this book for IIBF with the following coverage:
• Module A – Introduction & Overview of Credit
o Principles of Lending
o Credit Policy
o Types of Borrowers & Types of Credit Facilities
o Credit Delivery
o Credit Appraisal
o Credit Rating
o Capital Adequacy (Credit Risk – Standardized Approach & Advanced Approached)
§ Probability of Default
§ Exposure at Default
§ Loss Given Default
o Importance & Application of RAROC (Risk Adjusted Return on Capital)
• Module B – Analysis of Financial Statements
o Analysis of Financial Statements
o Non-financial Risk Analysis & Macroeconomic Factors
o Project Appraisal/Term Loan Appraisal
o Credit Risk Analytics & Credit Scoring Models
• Module C – Working Capital Management
o Working Capital Assessment (including Factoring, Bill Financing, etc., as Sub-limits)
o Non-Fund-Based Credit Facilities
• Module D – Other Credits
o Export Finance
o Priority Sector Lending/Government Sponsored Schemes/NABARD Schemes
o Retail Loans
o Forward Exposure Limit & Pre-settlement Risk
o Structured Finance Options
o Alternative Source of Funding
o Digital Finance-P2P Lending via FinTech
o Green Finance
• Module E – Monitoring, Supervision/Follow-Up & Management of Impaired Assets
o Documentation
o Types of Charges
o Follow-Up, Supervision & Credit Monitoring
§ Periodic Scrutiny of Exception Reports
§ AI/ML Based Analytics Tools to Analyze the Transaction to Predict 'Likely to Default'
o Resolution of Stressed Assets
o Fair Practices Code on Lender's Liability
o Insolvency & Bankruptcy Code (IBC), 2016 [including all Amendments & Top Five Judgements]
o Fraud Risk Management in Credit
§ Early Warning Signals [Annexure 16/3 of Current Book]
§ Red Flagging of Accounts
§ Identification & Reporting of Fraud
§ Forensic Audit
§ Wilful Defaulters
§ Non-cooperative Borrowers
§ Fugitive Economic Offender
§ Look Out Circular
§ Criminal Offenses and Investigative Agencies
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About the author
Established in 1928 as a Company under Section 25 of the Indian Companies Act, 1913, the Indian Institute of Banking & Finance (IIBF), formerly known as The Indian Institute of Bankers (IIB), is a professional body of Banks, Financial Institutions, and their employees in India.
The Institute is managed by a Governing Council comprising representatives of major Banks, the Reserve Bank of India, the Indian Banks' Association, the Institute of Banking Personnel Selection and an academician from the Indian Institute of Technology, Bombay.
During its 93 years of service, IIBF has emerged as a premier institute in Banking and Finance education for those employed and seeking employment in the sector and aiming for professional excellence. Since its inception, the Institute has awarded several Banking and Finance qualifications, viz., JAIIB, CAIIB, Diploma and Certificates, covering diverse and contemporary subjects in the Banking & Finance domains. Moreover, IIBF is the only Institute that offers all the courses mandated by the Reserve Bank of India for capacity building in banks. In addition, contemporary courses and training programmes have helped industry professionals sustain their professionalism through continuing professional development programmes.
IIBF offers a bouquet of courses on Banking & Finance to meet the needs and aspirations of the banking & finance personnel and students aspiring for a career in the banking & finance sector.
