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Course Outline
Course Outline
MODULE #1st- Principles of Lending
Banking Risks & Lending Principles
Due Diligence in Credit
3 C’s of the Borrower
6 P’s of the Borrower
MASTDAY Principle on Security
Feasibility & Viability Study
Quiz
Module #2nd - Types of Borrowers
Introduction
Individual Borrower
Partnership Firms
Hindu Undivided Family
Company Features
Hybrid Companies
Quiz
MODULE #3rd- Borrowing Powers of a Company
Borrowing Powers of a Company
Quiz
Module #4-Financial Statements
What are Financial Statements
Quiz
Module #5- Balance Sheet Concepts
Balance Sheet Structure & Concepts
Assets- Fixed Assets
Other Assets
Quiz
Module #6 - Income Statement
What is Income Statement
Analysis of Income Statement
Quiz
Module #7- Ratio Analysis
Introduction to Ratios
Liquidity Ratios
Practical Work Out With Liquidity Ratios
Solvency Ratios
Turnover Ratios
Profitability Ratios
Interpretation of Ratios
Quiz
Module #8- Appraisal of Working Capital Loan
What is Working Capital Loan
Working Capital Cycle
CC Limit, Margin & Drawing Power
Turnover Method
MPBF Methods with Case Study
Quiz
Module #9- Appraisal of Term Loan
CHARACTERISTICS OF TERM LOAN
DEPRECIATION
REPAYMENT SCHEDULE
DSCR
SECURITY COVERAGE RATIO
BREAK-EVEN ANALYSIS
BREAK-EVEN CASE STUDY
Quiz
Module #10- Term Loan Case Study
Technical & Financial Parameters
Project Cost & Means of Finance
Working of Various Schedules
Profit & Loss Account, DSCR & Reserves & Surplus
Cash Flow Statement
Balance Sheet
Analysis of the Case Study