Credit

SME Lending

Small and Medium Enterprises (SMEs) are considered as driving engines for the developments of the nation in the least developing countries like Nepal.SME Lending is financing to the SMEs. Bank and Financial Institutions (BFIs) in Nepal were much concentrated on large-ticket corporate loans in the past for maximizing profitability by managing very limited customers. They used to consider that SME Loans requires high operating cost against low return.

Credit Appraisal @ Dhangadhi

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.

Credit Appraisal @ Pokhara

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.

Journey to Excellence in Corporate Lending

The banking industry in Nepal has seen exponential growth. The competitive market has stretched the limits of customer needs. Banks and financial institutions need to tackle theissue; innovative marketing of one’s banking products becomes essential. With this in mind National Banking Institute brings to you “Journey to Excellence in Corporate Lending". This program aims to deliver the best course content referred by the industry experts.

We are pleased to deliver the program of two and half days styled as "Journey to  Excellence in  Corporate Lending".

Credit Appraisal Course

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.

Credit Appraisal Course @ Biratnagar

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.

Retail Lending

Bank and Financial Institutions have been giving extra focus in growing Retail 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.

A Showcase of Productive Sector Lending

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.

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