lending proposals banks apply certain general principles of good lending‚ often referred to as the canons of lending. Although not all of the principles can be applied by corporate credit managers to requests for trade credit‚ most are generally applicable. They provide an excellent framework for assessing all credit proposals. Because the purpose of lending is to earn interest and make a profit‚ it follows that principles of good lending should be concerned with ensuring‚ so far as possible
Premium Debt Interest Bank
“Credit Appraisal for Working Capital and Project Financing for Expansion” A SUMMER PROJECT STUDY SUBMITTED IN PARTIAL FULFILLMENT FOR THE REQUIREMENT OF THE TWO YEAR POST GRADUATE DIPLOMA IN MANAGEMENT (FULL-TIME) BY Surbhi Sharma 75/10 LAL BAHADUR SHASTRI INSTITUTE OF MANAGEMENT‚ DELHI JUNE‚ 2011 PUNJAB NATIONAL BANK HO‚ PNB HOUSE‚ 7 BHIKAJI CAMA PLACE Dated: 20th May 2011 CERTIFICATE Certified that Surbhi
Premium Credit rating Bank Working capital
Credit Rating (CR) as financial service‚ has come a long way‚ since John Moody first introduced the concept 1909. In India it started in 1988. Credit rating is has been used to rate debt instrument viz. Fixed Deposit‚ Commercial Paper Credit rating is a technique of credit risk valuation for the corporate debt instruments reflecting borrower’s expected capability and inclination to pay interest and principal in a timely manner. * In evaluation both qualitative and quantitative criteria are
Premium Credit rating Collateralized debt obligation Bond
February 2010 Master of Computer Application (MCA) – Semester 4 MC0076 – Management Information Systems– 4 Credits (Book ID: B0901) Assignment Set – 1 (60 Marks) Answer all Questions Each question carries TEN marks Q.1 a. Explain the impact of MIS in the area of police Information system. [5 Marks] b. What are the functions and disadvantages of MIS? [5 Marks] Q.2 a. write a scenario which shows the applications of OLAP
Premium Information systems Management information system Decision theory
refinancing‚ or capital infusion. This note describes traditional bank lending products‚ the role of the lending officer‚ credit evaluation‚ and the structuring of credit facilities and loan agreements. Specialized loan and credit products are described in Appendix A. Traditional Commercial Bank Lending Products While increased competition has forced banks to develop innovative credit facilities and financing techniques‚ traditional products‚ which include short-term‚ long-term‚ and revolving loans
Premium Credit Debt Loan
MC21S5A Summary of MARC and RAM (Credit rating agencies) To know what is RAM and MARC is doing in the financial sector in Malaysia‚ we need to know what is the credit rating first. So‚ credit ratings are forward-looking opinions about credit risk. A credit rating is an opinion of the general creditworthiness of countries‚ companies and individuals. Lower credit ratings result in higher borrowing costs because the borrower is deemed to carry a higher risk of default. So‚ what does the rating
Premium Bond Credit rating Debt
Economic Essay - Inflation in Zimbabwe As we all know‚ inflation in Zimbabwe is the most worst ever‚ with the rate of inflation increasing every single hours. Currently‚ the estimated Zimbabwe’s annual inflation rate is at 89.7 sextillion (1021) percent‚ and the prices keep doubling actively increasing every 24.7 hours. Inflation was stable until Robert Mugabe began a program of land reforms that primarily focused on taking land from white farmers and redistributing those properties and assets
Premium Inflation
SHAH & ANCHOR KUTCHHI ENGINEERING COLLEGE DEPARTMENT OF MANAGEMENT STUDIES PROJECT SUBMITTED ON: 25/05/2013 PROJECT SUBMITTED BY: AKSHAYA.U.BHADALKAR ROLL NO: 1 COMPANY NAME: BANK OF INDIA PROJECT REPORT ON: CREDIT APPRAISALS 1 GENERAL INFORMATION ABOUT THE BANK Bank of India was founded on 7th September‚ 1906 by a group of eminent businessmen from Mumbai. The Bank was under private ownership and control till July 1969 when it was nationalised along with 13 other banks
Premium Debt Loan Interest
What is credit policy ? Credit is temporary capital and the objective of credit is to lend with the purpose of increasing profits and sales. A sound credit policy in business is the blue print to managing by measurement and benchmark The question then arises is ’What is a Credit Policy and how does one write a Credit Policy for their specific nature of business operations? Writing an effective Credit Policy begins with an understanding of the financial exposure that you or your business can
Premium Monetary policy Central bank Federal Reserve System
EXECUTIVE SUMMARY Carbon Credits are gaining momentum not only around the world but also in India. The Concept of Carbon Credits evolved as a step to mitigate the rising Global Warming on earth. The emission of greenhouse gases by industries and anthropogenic activities has caused irreparable damage to the atmosphere leading to rising global temperature‚ affecting human life and causing Global Warming. The Concept of Carbon Credits was therefore evolved by way of an agreement by different countries
Premium Kyoto Protocol Greenhouse gas Emissions trading