Credit

Retail Lending @ Itahari

Bank and Financial Institutions have been giving extra focus in growing Retail/ Consumer Lending in the recent days as it contributes in diversifying the risks and enhancing the customer base. Due to comparatively low risk weightage on retail loans, exception a few products, retail loans have been enabling the BFIs to enhance more loans with the limited available capital, which has been further helping them to maximize profitability.

SME Lending

Banks were much concentrated on large ticket corporate loans in the past for the maximum profitability by managing very limited resources. It was considered that the SME Loan requires high operating cost in comparison to return. Now the time has changed and banks have been focusing on high volume small ticket SME loans and also focusing with new approaches and strategy to capture this business. SME customers presents one of the greatest opportunities for banks to pursue growth and profitability; at the same time it represents substantial credit risk also.

A Showcase of Priority Sector Lending

Priority sectors are the real sectors of the economy. Sectoral components of GDP such as agriculture, industry and services are the productive sectors. It reflects the viable, creditworthy picture of  an economy emerging. Investment on the productive sectors has been a main focus of the government thus to stimulate economic growth and generate income and employment opportunities. Though NRB has made mandatory provision of lending in agriculture and productive sector to support economy, BFIS are still behind as expected to lend on productive sector.

Legal Aspect of Credit Appraisal & Credit Administration @ Nepalgunj

Core function of the Bank and Financial Institutions (BFIs) is to collect deposit and from the public and extend the loan to meetdifferentfinancialneeds of the costumers. While providing loan that requires assessment of the costumers from different perspectives to ensure about proper utilization of loan in one hand and to make secure the Bank in distress situation. Legal risk should be one of the major aspect for BFI while credit appraisal.

Basic Credit Skills

Lending or advancing credit facilities is one of the core functions of banks and financial institutions. All employees engaged in credit related jobs should possess basic knowledge about the function before or at the time of assuming such role.

Legal Aspect of Credit Appraisal & Credit Administration @ Biratnagar

Core function of the Bank and Financial Institutions (BFIs) is to collect deposit and from the public and extend the loan to meetdifferentfinancialneeds of the costumers. While providing loan that requires assessment of the costumers from different perspectives to ensure about proper utilization of loan in one hand and to make secure the Bank in distress situation. Legal risk should be one of the major aspect for BFI while credit appraisal.

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