December 15, 2019

Lending Operations and Risk Management (DAIBB)


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 

IT in Financial Services (DAIBB)


Contents

Ransomware
Spyware
Phishing
Malware
VIRUS
Spamming
LAN, MAN and WAN
Difference between Internet and Intranet
Database vs Flat File
Ascii Codes
E-governance
OCR
OMR
Comparison Chart Primary Vs Secondary Memory
Computer memory and types
SWIFT for Electronic Funds Transfers
Unicode
CHIPS
Functions of Operating System
DBMS
Application and Uses of Database Management System (DBMS)
What does Disaster Recovery Site (DR Site) mean?
What does Data Center mean?
Data Warehouse
Cache Memory
Enterprise resource planning (ERP)
Smart Card
Digital Signature
What Is Business Continuity Planning (BCP)?
Stand Alone ATMs
Microcomputer System
Firewall
CIB
Network operating system
Difference between System Software and Application Software
Cyber Crime and Internet Security
Digital Bangladesh
Vision 2021
Audit Trail
Classification Of Computers By Size And Capacity
Computer Number Systems and its types
Comprehensive Security System for banks

Management of Financial Institutions (DAIBB)


Contents
Similarities between Commercial Banks and NBFIs:
Non-Scheduled Banks of Bangladesh:
Scheduled Banks of Bangladesh
The financial market in Bangladesh
Regulators of the Financial System
Capital Market
Recent Developments in Financial Sector in Bangladesh
Insurance
NBFI
CAMELS
What Is Market Risk?
What Is a Nonperforming Loan?
What is Funds Management
Liquidity Management in Business and Investing
What is Prime Security and Collateral Security?
Primary Security vs Collateral Security
**What is an Offshore Banking Unit (OBU)
**What Is Positive Pay?
What Is Stress Testing?
What Is a Bank Rate?
What Is the Interest Rate Spread?
What Is Cost of Funds?
What Is Core Capital?
Shell bank
What Is Reputational Risk?
Compare Branch Banking VS Unit Banking
What Is a Smurf or Structuring?
What is a Lien
What Is a Set-Off Clause?
What Is Asset/Liability Management?
What is a Classified Loan?
What Is a Loan Loss Provision?
What Is a Beneficial Owner?
Funded & Non-Funded Loan: Definition, Uses etc.
Relationship between Banker and Customer
Politically exposed person (PEP)
False positive
What Is Trust Receipt?
Due diligence
Enhanced due diligence (EDD)
What Is a Suspicious Activity Report (SAR)?
Currency Transaction Report (CTR)
KYC
CTR
STR
KYC - Know Your Customer (Banking) and KYE
RTGS
National Payment Switch Bangladesh (NPSB)
Automated Teller Machines (ATM):
Point of Sales (POS):
Internet Banking Fund Transfer (IBFT):
Payment systems in BB
Mobile Financial Services (MFS)
Payment Service Provider (PSP) and Payment System Operator (PSO)
BFIU
What Is Electronic Commerce (e-commerce)?What Is Return on Equity – ROE?
What Is Return on Assets—ROA?
The return on revenue (ROR)
What Is Value at Risk (VaR)?
What is Capital Adequacy Ratio – CAR?
What Is Earnings Per Share?
What Is a Cryptocurrency?
Magnetic Ink Character Recognition (MICR) Line?
Trade-Based Money Laundering (TBML)
What Is Basel II?
What Is Basel III?
Legacy Account
Mutual Evaluation
Credit Deposit Ratio
Different types of Account
Credit Documentation
Recover Classified Loans
Self-Assessment Report
Agent Banking
SME Financing