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.
National Banking Institutes is pleased to announce a program "Strategic Business Leadership" by Mr. Sujit Mundul, Director Standard Chartered Bank. This program will provide a unique opportunity to get introduced into the understanding of “Strategy” and “Leadership”. It also helps to understand effectively implement the ideas in our business and to dig deeper in the aspects of Corporate and Institutional Business of Banks.
Productive 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.
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.
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.