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VTU-MBA Syllabus STRATEGIC CREDIT MANAGEMENT
Posted Date: 10 Sep 2008 Resource Type: Articles/Knowledge Sharing Category: Syllabus
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Posted By: Lenin Member Level: Diamond
Rating:  Points: 2
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STRATEGIC CREDIT MANAGEMENT
Sub Code: 08MBABF478 IA Marks: 50
No. of Lecture Hrs / Week: 04 Exam Hours: 3 Hours
Total no. of Lecture Hours: 56 Exam Marks: 100
MODULE 1 (8 Hours)
Credit management in banks-Screening of applications-Appraisal of credit-
Sanction limit- Post sanction compliance – Monitoring supervision –Review-
Government policies for credit extension- Credit institutions- Principles of
good lending- Borrower study and bankers opinion- Credit policy by banks-
Government regulation of credit -Prudential norms.
MODULE 2 (8 Hours)
Over view of credit policy and loan characteristics-The credit process –
Characteristics of different types of loans- Evaluating commercial loan
requests – Financial statement analysis-Cash flow analysis- Projections-
Management of the firm and other factors –Feasibility study – Fundamental
credit issues - Credit analysis-Different types of borrowers – Balance sheet
analysis for lending – Forms of advances secured and unsecured advances-
Short term and long term advances.
MODULE 3 (5 Hours)
Evaluating consumer loans – Types- Credit analysis of consumer loans-
Risk–return analysis of consumer loans- Customer profitability analysis and
loan pricing- Fixed Vs floating rates
MODULE 4 (6 Hours)
Loan and advances against pledge- Hypothecation- Mortgage – Lien-
Advances against goods- Document to title to goods – Life insurance policies
– Stock exchange securities-Fixed deposit receipts –Book debts- Supply
bills- Real estates – Advance against collateral securities
MODULE 5 (7 Hours)
Agricultural finances and Retail lending- Crop loans- Crop insurance
schemes- Dairy- Sericulture- Poultry- Animal husbandry – Horticulture –
Gobar gas – Kissan credit cards – NABARD initiatives – Lead bank schemes
– Retail banking advances – Concept – Retail banking products – Consumer
credit financing
MODULE 6 (8 Hours)
Financing to small scale industries and large scale industries- Term lending-
Syndicated loan system- Role of development banks in industrial finance-
Working capital finances- Turnover method – Modified version of MPBF –
Cash budget approach- Long term finance-Project financing –Industrial
sickness and BIFR.
MODULE 7 (5 Hours)
Import and export credit- ECGC- EXIM Bank – Venture capital financing –
Documentation for credit extension – Charge creation – Law of limitation
MODULE 8 (9 Hours)
NPA management – Introduction- Identification of NPA’s- CC-OD-Term
loans-Bills purchased-Other accounts-Asset classification- Prudential norms-
Capital adequacy – International Banking Regulation-Basel II – asset
classification provisioning – effect of NPA on profitability - Assessment
procedure- Pre-sanction appraisal – Post sanction supervision- Monitoring
systems for existing and likely NPA’s-Rehabilitation of sick NP units –
Recovery of NPA’s- Compromise and negotiated settlements- Securitization
of Debts-Credit derivatives - Credit portfolio management (concentration
risks)
RECOMMENDED BOOKS:
1. W. Koch Scott, Timothy. “Bank Management” Thomson Learning,
New Delhi.
2. Shekar and Shekar “Banking Theory and Practice” Vikas Publishing
House, New Delhi.
REFERENCE BOOKS:
1. Vishwanathan R. “Industrial Finance” Macmillan, New Delhi.
2. IIBF, “Risk Management” Macmillan, New Delhi.
3. Prasad K, Nirmala and Chandradas. “Banking and Financial
System”
4. Himalaya Publishing House, Mimbai. Cade, Eddic. “Managing
Banking Risks” Woodhead Publishers, England
For more details, visit http://www.vtu.ac.in
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