Economic reforms which the country has been witnessing for over the last one-and-half decades have radically transformed the operational environment of the banking industry. With competition as a driver and a key to success in the sector, bankers have no option except to locate new businesses, products and services. Innovations in bank credit have become the order of the day to attract new clients and protect existing ones. With deregulation of the banking sector, opportunities alone have not come about, but also risks associated with such opportunities have increased enormously, "Therefore a thorough understanding of the essentials of bank credit is indispensable for the credit to remain performing and the bank to stay ahead in business. An attempt is made in the book to give the reader knowledge on bank credit, right from what it is to how it should be delivered. The book contains case studies and in-basket exercises which make the reader to analyze practical situations involving bank credit. The book intends to meet the requirements of the students of master of business administration, banking and finance course of a different indian universities and the practicing professionals in the banking sector

Contents of the Book :

Unit I : Bank Credit 

Chapter 1 : Loan Policy And Principles Of Bank Lending 

1. Golden Rules For A Good Credit 
   
2. Identifying The Borrowers And Projects
   
3. Preparation Of Proposal And Its Presentation 
   
4. Types Of Forms Of Bank Advances
   
5. Types Of Securities And Attributes Of A Good Tangible Security 
   
6. Financial Analysis Of A Proposal 
   
7. Broad Aspects Of Project Appraisal And Lending Decision 
   
8. Working Capital Assessment 
   
9. Break-even Analysis And Capital Budgeting 
   
10. Bank Documentation 
    
11. Various Methods Of Creating Charge Over Securities 
    
12. Insurance 
    
13. Loan Pricing 
    
14. Risk Management In Banks 
    
15. Credit Risk Rating 
    
16. Credit Monitoring Arrangement And After 
    
17. General Board Format Used By The Leading Banks For Processing Of Major Loan Proposals-model Abc Bank 
    

Unit II : Bank Credit 

Chapter 2 : Priority Sector 

1. Financing Agriculture 
   
2. Self Help Groups And Bank Linkages 
   
3. Micro Finance-conceptual Framework-indian Context 
   
4. Micro Finance-international Scenario 
   

Unit III: Bank Credit

Chapter 3 : Non-fund Based Finance-letter Of Credit 

1. Types Of Letter Of Credit 
   
2. Export Finance 
   
3. Inco Terms 2000, Ucp 600, Urr 525 
   
4. Commercial Borrowing 
   

Unit IV : Bank Credit

Chapter 4 : Reserve Bank Of India`s Observations On Deficiencies Found In Sanctioning Of Loans And Monitoring Of Borrowal Account By Banks/financial Institutions

1. Post Disbursal Follow Up, Monitoring Of Credit And Compliance Parameters 
   
2. Non-performing Assets, Provisioning Norms, Recovery Of Advances And Seizure 
   
3. Recovery Measures In Banking Sectors 
   

Unit V : Bank Credit 

Chapter 5 : Master Circular On Exposure Norms 

1. Master Circular-exposure Norms For Financial Institutions 
   
2. Master Circular On External Commercial Borrowings And Trade Credits 
   
3. Rbi Guidelines On Issuance Of Commercial Paper-2012 
   
4. Rbi Guidelines On Micro, Small And Medium Enterprises.