Contents
What is a Syndicated Loan?
1. Arranging bank
2. Agent
3. Trustee
Advantages of a Syndicated Loan
Project Appraisal
Market Appraisal:
Technical Appraisal:
Financial Appraisal:
Economic Appraisal:
Managerial Appraisal:
The Credit Risk Grading
A Financial Sensitivity Analysis
Microcredit Regulatory Authority (MRA)
Microcredit in Bangladesh
Rural Bank Considerations
What Is the Debt-To-Equity Ratio – D/E?
Loan write off
Indicators of problem loan
Difference between Lending Risk Analysis (LRA) and Credit Risk Grading (CRG)\
New notes
1. Define Term Loan
2. Why the private commercial banks discourage to consider long term loans
3. What is Working Capital Loan
4. Distinguish between working capital (W/C) and cash credit (CC) loan
Working Capital Loan
Cash Credit Loan
5. Define Working Capital.
6. Discuss the Significance/Importance of working capital for a firm.
7. Importance of working capital loan for running an agro-industrial project
8. How would you assess the working capital requirement of poultry industry?
9. Explain the factors affecting working capital requirement. (Need Details)
10. Explain different sources of financing working capital.
11. Define permanent working capital and variable working capital.
12. Explain the difference between variable working capital and permanent working capital.
Permanent Working Capital
Temporary Working Capital
13. What do you mean by mortgage, pledge & hypothecation? Dec-2013
Pledge:
Hypothecation:
14. Distinguish between mortgage & pledge?
Mortgage
Pledge
15. As a banker between pledge & hypothecation, which one you will prefer? Justify in favor of your argument. Dec-2013
16. Distinguish between mortgage, pledge & hypothecation
17. Distinguish between term credit and short-term credit
18. Why do the private commercial banks prefer short term lending Or, Advantages of Short-Term Financing
19. What is SME Finance & Agricultural Finance
SME Financing:
Cottage Industry
Agricultural Finance:
20. What is Credit Planning? Dec-2013
21. What factors are to be taken into consideration by a bank while making a credit planning?
22. List down the minimum eligibility criteria to be fulfilled by borrower to obtain loan
23. What is a Project?
25. What do you mean by a project & project appraisal?
26. During appraisal of a project loan proposal what factors does a banker take into consideration?
27. Mr. Abdul Ali, and enterprise of your branch area has applied for a
1. About the applicant:
2. About the enterprise:
3. About the security (calculating maximum credit limit):
4. About the credit needs:
5. About the income and expense i.e. profitability:
6. About the marketing:
7. Recommendation:
28. Difference between Lending Risk Analysis (LRA) and Credit Risk Grading (CRG)
Lending Risk Analysis (LRA)
Credit Risk Grading (CRG)
29. The risks factors those can make an industry sick. How each factor accelerates the sickness?
30. What do you mean by Asset-Liability Management (ALM)?
31. Do you agree that the absence of good ALM of a bank may lead to different crisis to jeopardize the image and soundness of the bank?
33. What do you know about ALCO?
34. Do you think each commercial bank should form ALCO?
35. Roles and responsibilities of Asset-Liability Management Committee (ALCO) of a Bank
36. Define Credit Risk Grading (CRG) Dec-2013
37. Function of Credit Risk Grading
38. What is the uses/ purpose/ importance of CRG? Dec-2013
41. Why core risk management is getting so much highlighted for proper financing of a bank
42. What is provisioning? Discuss the basis of determining the status of classified loans and advances.
Provisioning:
44. It is due to the increase of classified loans of the bank, that they are now facing liquidity problems and the borrower inter-bank call money at very high rate. Justify the viewpoint.
45. Distinguish between loan interest remission and loan write off. Between these two which one is beneficial for that Bank? Discuss.
46. List down the preconditions those required to be fulfilled by a borrower for availing write off consideration
47. Distinguish between Money Market & Capital Market
48. Can increased call money rate influence the capital market? Elaborate with example.
49. What do you mean by SEC?
50. Functions of SEC
51. Do you think that SEC is performing its role properly by monitoring and controlling capital market of our country? Pass your comments.
52. What is Fund Flow
56. Write-Off and Re-scheduling
Write-Off
Definition of 'Debt Rescheduling'
61. Factors affecting while assessing a loan proposal
62. In competitive market, which of the variable and fixed pricing as banker you would advocate?
63. Discuss different types of credit facilities that a commercial bank can provide to its clients.
64. Why credit-worthiness of an applicant is assessed?
65. Credit Facilities Available in Banks.
67. Suppose against a loan proposal of your branch, the head office of the bank has sanctioned a loan of taka 1.00 (one) crore against a mixed farm (Agriculture, poultry, fishery and dairy farm). You were advised by head office to disburse the loan after due documentation.
68. A project loan is treated as a term loan. Discuss why. Discuss the risks you anticipate in such financing.
69. Agricultural Finance
