Hong Kong Institute of Bankers (HKIB)

Bank Lending

• Broschiertes Buch

Produktbeschreibung

Sophisticated banking is vital for modern society to function and prosper. Banks lend to individuals and corporations but do so after carefully exploring the risks they undertake to each customer.

This book examines the important role of lending in banking operations and how banks can implement safe and effective loan initiatives. Banks rely on lending to generate profits, but it can be a risky venture. It is important for banking professionals to understand how to mitigate those risks.

Bank Lending from the Hong Kong Institute of Bankers discusses a variety of topics that impact a bank's loan strategy. This is an essential read for candidates studying for the HKIB Associateship Examination and those who want to acquire expert knowledge of Hong Kong's bank lending system.

Topics covered in this book include:
Assessing and reducing lending risk
Understanding the customer through financial statements
Using ratios to determine risk
Setting up an internal structure to reduce risk
Pricing and managing loans

Dah Sing Bank is delighted to sponsor this resourceful book. The Dah Sing Group is a leading financial services group in Hong Kong, active in providing banking, insurance, financial, and other related services in Hong Kong, Macau, and the People's Republic of China. The Dah Sing Group has gained a reputation as one of the most progressive and innovative financial services groups. Keys to its success are the strength of the Dah Sing management team and the group's commitment to serving its customers.

Produktdetails

• Verlag: Wiley & Sons
• 1. Auflage
• Seitenzahl: 304
• Erscheinungstermin: 24. April 2012
• Englisch
• Abmessung: 254mm x 178mm x 12mm
• Gewicht: 600g
• ISBN-13: 9780470827451
• ISBN-10: 0470827459
• Artikelnr.: 33381659

Autorenporträt

The Hong Kong Institute of Bankers (The HKIB) has been serving the local banking community in the provision of education and training since 1963. In 1995, with the encouragement and support of the local banking community, the Institute declared its independence from its parent institute in UK. With an independent status, the Institute is able to better serve the training needs of the bankers in the region and to reflect the importance of Hong Kong as an international financial center. The continuous professional development program, which comprises of professional examinations and training courses, has helped bank employees to make advancements in their banking career, and is valued by most of them who are determined to strengthen their knowledge base.

Inhaltsangabe

Preface ix PART 1 PERSONAL AND CORPORATE LENDING 1 1 Lending to Personal
Customers 3 Introduction 4 General Lending Principles 4 Types of Personal
Customers 5 General Purposes of Personal Advances 6 Types of Lending to
Individuals 7 Consumer Credit Data 22 Evaluating a Personal Advance
Application 24 Summary 26 Key Terms 26 Study Guide 27 Further Reading 27 2
Lending Considerations for Corporate Customers 29 Introduction 30 The
Balance Sheet 30 The Profit and Loss Account 37 The Cash Flow Statement 42
Cash Budget and Cash Flow Forecast 49 Reliability of Accounting Information
by Source 50 Summary 55 Key Terms 55 Study Guide 56 Further Reading 56
Appendix 2.1: Comparing FIFO, LIFO, and AVR Inventory Methods 57 3
Financial Ratios and Operating Risks 61 Introduction 62 Techniques of
Financial Analysis 62 Understanding Ratio Analysis 63 DuPont Analysis 80
Limitations of Financial Ratios 81 Operating Risks of the Borrower 82
Analysis Tools and Approaches 86 Summary 94 Key Terms 94 Study Guide 95
Further Reading 95 PART 2 CORPORATE CREDIT 97 4 Credit Assessment 99
Introduction 100 Lending Principles 100 Credit Decision Tree 102 Credit
Risk Rating 110 Summary 118 Key Terms 118 Study Guide 118 Further Reading
119 5 Structuring a Loan Facility 121 Introduction 122 Security in Bank
Lending 122 Conditions and Covenants 132 Pricing a Loan Facility 134
Summary 140 Key Terms 141 Study Guide 142 Further Reading 142 Appendix 5.1:
Sample Loan Agreement 142 Appendix 5.2: SME Funding Schemes 148 6 Meeting
Business Needs 151 Introduction 152 Business Sectors in Hong Kong 152 Types
of Credit 163 Trade Finance 169 Working Capital Management 180 Summary 186
Key Terms 186 Study Guide 187 Further Reading 187 7 Credit Control and
Problem Loans 189 Introduction 190 Credit Management Process and Structure
190 Characteristics of a Sound Credit Monitoring System 196 Credit Risk
Mitigation 197 Corporate Failure 198 Remedial Actions 202 Summary 206 Key
Terms 206 Study Guide 206 Further Reading 207 Index 209