{"product_id":"bank-lending-isbn-9780470827451","title":"Bank Lending","description":"\u003cp\u003eSophisticated banking is vital for modern society to function and prosper. Banks lend to individuals and corporations but do so after carefully exploring the risks they undertake to each customer.\u003c\/p\u003e \u003cp\u003eThis book examines the important role of lending in banking operations and how banks can implement safe and effective loan initiatives. Banks rely on lending to generate profits, but it can be a risky venture. It is important for banking professionals to understand how to mitigate those risks.\u003c\/p\u003e \u003cp\u003e\u003ci\u003eBank Lending\u003c\/i\u003e from the \u003cb\u003eHong Kong Institute of Bankers\u003c\/b\u003e discusses a variety of topics that impact a bank's loan strategy. This is an essential read for candidates studying for the \u003cb\u003eHKIB Associateship Examination\u003c\/b\u003e and those who want to acquire expert knowledge of Hong Kong's bank lending system.\u003c\/p\u003e \u003cp\u003eTopics covered in this book include:\u003c\/p\u003e \u003cul\u003e \u003cli\u003eAssessing and reducing lending risk\u003c\/li\u003e \u003cli\u003eUnderstanding the customer through financial statements\u003c\/li\u003e \u003cli\u003eUsing ratios to determine risk\u003c\/li\u003e \u003cli\u003eSetting up an internal structure to reduce risk\u003c\/li\u003e \u003cli\u003ePricing and managing loans\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eDah Sing Bank is delighted to sponsor this resourceful book. The Dah Sing Group is a leading financial services group in Hong Kong, active in providing banking, insurance, financial, and other related services in Hong Kong, Macau, and the People's Republic of China. The Dah Sing Group has gained a reputation as one of the most progressive and innovative financial services groups. Keys to its success are the strength of the Dah Sing management team and the group's commitment to serving its customers.\u003c\/p\u003e Preface ix \u003cp\u003e\u003cb\u003ePART 1 PERSONAL AND CORPORATE LENDING 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003e1 Lending to Personal Customers 3\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 4\u003c\/p\u003e \u003cp\u003eGeneral Lending Principles 4\u003c\/p\u003e \u003cp\u003eTypes of Personal Customers 5\u003c\/p\u003e \u003cp\u003eGeneral Purposes of Personal Advances 6\u003c\/p\u003e \u003cp\u003eTypes of Lending to Individuals 7\u003c\/p\u003e \u003cp\u003eConsumer Credit Data 22\u003c\/p\u003e \u003cp\u003eEvaluating a Personal Advance Application 24\u003c\/p\u003e \u003cp\u003eSummary 26\u003c\/p\u003e \u003cp\u003eKey Terms 26\u003c\/p\u003e \u003cp\u003eStudy Guide 27\u003c\/p\u003e \u003cp\u003eFurther Reading 27\u003c\/p\u003e \u003cp\u003e\u003cb\u003e2 Lending Considerations for Corporate Customers 29\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 30\u003c\/p\u003e \u003cp\u003eThe Balance Sheet 30\u003c\/p\u003e \u003cp\u003eThe Profit and Loss Account 37\u003c\/p\u003e \u003cp\u003eThe Cash Flow Statement 42\u003c\/p\u003e \u003cp\u003eCash Budget and Cash Flow Forecast 49\u003c\/p\u003e \u003cp\u003eReliability of Accounting Information by Source 50\u003c\/p\u003e \u003cp\u003eSummary 55\u003c\/p\u003e \u003cp\u003eKey Terms 55\u003c\/p\u003e \u003cp\u003eStudy Guide 56\u003c\/p\u003e \u003cp\u003eFurther Reading 56\u003c\/p\u003e \u003cp\u003eAppendix 2.1: Comparing FIFO, LIFO, and AVR Inventory Methods 57\u003c\/p\u003e \u003cp\u003e\u003cb\u003e3 Financial Ratios and Operating Risks 61\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 62\u003c\/p\u003e \u003cp\u003eTechniques of Financial Analysis 62\u003c\/p\u003e \u003cp\u003eUnderstanding Ratio Analysis 63\u003c\/p\u003e \u003cp\u003eDuPont Analysis 80\u003c\/p\u003e \u003cp\u003eLimitations of Financial Ratios 81\u003c\/p\u003e \u003cp\u003eOperating Risks of the Borrower 82\u003c\/p\u003e \u003cp\u003eAnalysis Tools and Approaches 86\u003c\/p\u003e \u003cp\u003eSummary 94\u003c\/p\u003e \u003cp\u003eKey Terms 94\u003c\/p\u003e \u003cp\u003eStudy Guide 95\u003c\/p\u003e \u003cp\u003eFurther Reading 95\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 2 CORPORATE CREDIT 97\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003e4 Credit Assessment 99\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 100\u003c\/p\u003e \u003cp\u003eLending Principles 100\u003c\/p\u003e \u003cp\u003eCredit Decision Tree 102\u003c\/p\u003e \u003cp\u003eCredit Risk Rating 110\u003c\/p\u003e \u003cp\u003eSummary 118\u003c\/p\u003e \u003cp\u003eKey Terms 118\u003c\/p\u003e \u003cp\u003eStudy Guide 118\u003c\/p\u003e \u003cp\u003eFurther Reading 119\u003c\/p\u003e \u003cp\u003e\u003cb\u003e5 Structuring a Loan Facility 121\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 122\u003c\/p\u003e \u003cp\u003eSecurity in Bank Lending 122\u003c\/p\u003e \u003cp\u003eConditions and Covenants 132\u003c\/p\u003e \u003cp\u003ePricing a Loan Facility 134\u003c\/p\u003e \u003cp\u003eSummary 140\u003c\/p\u003e \u003cp\u003eKey Terms 141\u003c\/p\u003e \u003cp\u003eStudy Guide 142\u003c\/p\u003e \u003cp\u003eFurther Reading 142\u003c\/p\u003e \u003cp\u003eAppendix 5.1: Sample Loan Agreement 142\u003c\/p\u003e \u003cp\u003eAppendix 5.2: SME Funding Schemes 148\u003c\/p\u003e \u003cp\u003e\u003cb\u003e6 Meeting Business Needs 151\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 152\u003c\/p\u003e \u003cp\u003eBusiness Sectors in Hong Kong 152\u003c\/p\u003e \u003cp\u003eTypes of Credit 163\u003c\/p\u003e \u003cp\u003eTrade Finance 169\u003c\/p\u003e \u003cp\u003eWorking Capital Management 180\u003c\/p\u003e \u003cp\u003eSummary 186\u003c\/p\u003e \u003cp\u003eKey Terms 186\u003c\/p\u003e \u003cp\u003eStudy Guide 187\u003c\/p\u003e \u003cp\u003eFurther Reading 187\u003c\/p\u003e \u003cp\u003e\u003cb\u003e7 Credit Control and Problem Loans 189\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 190\u003c\/p\u003e \u003cp\u003eCredit Management Process and Structure 190\u003c\/p\u003e \u003cp\u003eCharacteristics of a Sound Credit Monitoring System 196\u003c\/p\u003e \u003cp\u003eCredit Risk Mitigation 197\u003c\/p\u003e \u003cp\u003eCorporate Failure 198\u003c\/p\u003e \u003cp\u003eRemedial Actions 202\u003c\/p\u003e \u003cp\u003eSummary 206\u003c\/p\u003e \u003cp\u003eKey Terms 206\u003c\/p\u003e \u003cp\u003eStudy Guide 206\u003c\/p\u003e \u003cp\u003eFurther Reading 207\u003c\/p\u003e \u003cp\u003eIndex 209\u003c\/p\u003e \u003cb\u003eThe Hong Kong Institute of Bankers (The HKIB)\u003c\/b\u003e has been serving the local banking community in the provision of education and training since 1963. In 1995, with the encouragement and support of the local banking community, the Institute declared its independence from its parent institute in UK. With an independent status, the Institute is able to better serve the training needs of the bankers in the region and to reflect the importance of Hong Kong as an international financial center.\u003cbr\u003eThe continuous professional development program, which comprises of professional examinations and training courses, has helped bank employees to make advancements in their banking career, and is valued by most of them who are determined to strengthen their knowledge base.","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47988787577061,"sku":"NP9780470827451","price":63.0,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9780470827451.jpg?v=1761781591","url":"https:\/\/k12savings.com\/products\/bank-lending-isbn-9780470827451","provider":"K12savings","version":"1.0","type":"link"}