Credit

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 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.

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.

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 measures the financial condition and the ability of the customer to repay back the loan in future. With this in mind NBI brings to you “Basic Credit Course". This 12 sessions program aims to deliver the best course content with consultation with the industry experts. 

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.