Credit

Introduction to Secured Transaction Act 2063 & effective implementation of the Secured Transactions Registry

We are pleased to announce the program on "Introduction to Secured Transaction Act 2063 & effective implementation of the Secured Transactions Registry" for the first time to be facilitated by Mr. Gandhi Pandit Attorney at Law, LL.M Colombia University and MCL from University of Delhi and Mr. Raju Man Singh Malla, M.A. B.L., Post Graduate Diploma in International Law from University of London, Former Secretary of Government of Nepal.

Direct Lending & Statutory Regulations

Upon completion of this program, participants will be able to:

· Ensure compliance with deprived sector regulations when taking and evaluating credit requests and closing consumer loans

· Increase lending efficiency with applying strategic decision techniques

· Assess the strength of repayment sources, and threats

· Knowing the business properly, sector and segment of business

Credit Risk & Relationship Management

NBI is pleased to announce "Credit Risk and Relationship Management". Upon the completion of the course the participants will gain knowledge and skills that are very essential to be efficient in their field of work. The participants will be able to understanding the concepts of credit, structuring of the loans, writing of credit proposal, credit Administration and NPA Management.

Credit Appraisal Course @ Birgunj

It is necessary to appraise the credibility of the customer in order to mitigate the credit risk. Proper evaluation of the customer is performed which measure the financial condition and the ability of the customer to repay back the loan in future. With this in mind NBI brings to you “Credit Appraisal Course".  After completion, participants will be able to understand credit appraisal comprehensively and create a solid base for a better future in Credit Department. 

Project Financing

National Banking Institutes announces program on Project Financing. The program aims to provide an opportunity for the participants to increase their insights and broaden their capacity in “Energy Project Finance” domain. Project finance is the long-term financing of infrastructure and industrial projects based upon the projected cash flows of the project rather than the balance sheets of its sponsors. Risk identification and allocation is a key component of project finance.

Retail Lending

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.

Credit Appraisal

Credit Appraisal is the process that bank assesses the credit worthiness of the borrower. The major question in this appraisal is "Will I get my money back?" The assessment of the various risks that can impact on the repayment of loan which revolves around character, collateral capability and capacity. It takes into account various factors like income of the applicants, number of dependents, monthly expenditure, repayment capacity, employment history, number of years of service and other factors which affect credit rating of the borrower.

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