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Banking Credit Analysis

Rs 3499

90%

21 Reviews

Looking to learn how Banking and Credit Cards work? This course will teach you from scratch as to why Credit Analysis is required. With over 100+ video lessons it covers concepts about credit analysis and financial ratios. Banking concepts which are tougher to understand like loans and viability are also covered in this course.

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  • Project Based
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  1. Chapter 1

  2. Chapter 2

    • 2.1 - Structure of Balance Sheet
    • 2.2 - What is Important in Reading Balance Sheet
    • 2.3 - First Balance Sheet Raeding Skill Understanding Long Term Solvency
    • 2.4 - Second Balance Sheet Reading Skill Understanding Liquidity Positions
    • 2.5 - Third Balance Sheet Reading Skill- Performance Measurement
  3. Chapter 3

    • 3.1 - Introduction to Financial Ratios
    • 3.2 - Current Ratio
    • 3.3 - Quick Ratio
    • 3.4 - Absolute Liquid Ratio
    • 3.5 - Basic Defence Interval Ratio
    • 3.6 - Capital Structure Ratios - Equity Ratio
    • 3.7 - Capital Structure Ratios - Debt Ratio
    • 3.8 - Capital Structure Ratios - Debt to Equity Ratio
    • 3.9 - Coverage Ratios (DSCR)
    • 3.10 - Interest Coverage Ratio
    • 3.11 - Preference Dividend Coverage Ratio
    • 3.12 - Capital Gearing Ratio
    • 3.13 - Activity Ratios
    • 3.14 - Capital Turnover Ratio
    • 3.15 - Fixed Assets Turnover Ratio
    • 3.16 - Total Assets Turnover Ratio
    • 3.17 - Working Capital Turnover Ratio
    • 3.18 - Inventory Turnover Ratio
    • 3.19 - Inventory Holding Level
    • 3.20 - Debtors Turnover Ratio
    • 3.21 - Average Collection Period
    • 3.22 - Creditors Turnover Ratio
    • 3.23 - Average Payment Period
    • 3.24 - General Profitability Ratios
    • 3.25 - Gross Profit Ratio
    • 3.26 - Net Profit Ratio
    • 3.27 - Operating Ratio
    • 3.28 - Operating Profit Ratio
    • 3.29 - Expenses Ratio
    • 3.30 - Overall Profitability Ratios
    • 3.31 - Return on Assets
    • 3.32 - Return on Capital Employed
    • 3.33 - Return on Share holders funds
    • 3.34 - Return on Equity Share holders funds
    • 3.35 - Earnings Per Share
    • 3.36 - Cash Flow Earnings Per Share
    • 3.37 - Dividend Per Share
    • 3.38 - Dividend Pay Out Ratio
    • 3.39 - Dividend Yield Ratio
    • 3.40 - Illustration on Return on Equity Shareholders Funds
    • 3.41 - Market Value Ratios
    • 3.42 - Earnings Yield Ratio
    • 3.43 - Price Earnings Ratio
    • 3.44 - Price to Cash Flow Ratio
    • 3.45 - Leverage and its Types
    • 3.46 - Leverage Concepts Example
    • 3.47 - Leverage Analysis and Sales Movement
  4. Chapter 4

    • 4.1 - Fund Flow Analysis Introduction
    • 4.2 - Fund Flow Analysis Example
    • 4.3 - Uses of Fund Flow Statement
  5. Chapter 5

    • 5.1 - Cash Flow-Introduction
    • 5.2 - Cash Flow- Activities
    • 5.3 - Cash Flow-Operating Activity
    • 5.4 - Cash Flow-Investing Activity
    • 5.5 - Cash Flow- Financing Activity
  6. Chapter 6

    • 6.1 - Types of Bank Loans for Business
    • 6.2 - Bank Loans for New Projects
    • 6.3 - Loans available in banking channel
  7. Chapter 7

    • 7.1 - Working Capital Loans
    • 7.2 - Working Capital Cycle
  8. Chapter 8

    • 8.1 - Understanding Cash Credit
    • 8.2 - Cash Credit Example
  9. Chapter 9

    • 9.1 - Letter of Credit
    • 9.2 - LC Computation
  10. Chapter 10

    • 10.1 - Bank Guarantee
    • 10.2 - Types of Bank Guarantees
  11. Chapter 11

    • 11.1 - Term Loan Appraisal By Banks
    • 11.2 - Term Loan - Nature of Project
    • 11.3 - Cost of Project and Means of Finance
    • 11.4 - Cost of Project
    • 11.5 - Land Cost
    • 11.6 - Building Cost
    • 11.7 - Plant and Machinery Cost
    • 11.8 - Preliminary and Preoperative Expenses
    • 11.9 - Other Cost and Interest during Implementation
    • 11.10 - Provision for Contingency
  12. Chapter 12

    • 12.1 - What is Project Viability
    • 12.2 - Project Viability - Case Study
  13. Chapter 13

    • 13.1 - Break Even Analysis
    • 13.2 - Break Even Point Example
    • 13.3 - Break Even Point Graph
    • 13.4 - Break Even Analysis- Comprehensive Illustration
  14. Chapter 14

    • 14.1 - ECRA
    • 14.2 - Default
    • 14.3 - Credit Rating Scale
    • 14.4 - Importance of Credit Rating
    • Mega Quiz
  • About this Training

    The course begins with Why Credit Analysis is required and goes through concepts of Balance sheets to give an overview of the accounting concepts involved in Banking. All types of Financial Ratios and concepts on Credit, Bank Gurantee and Project Viablity are covered . Course duration : 6 hours.

  • Project in this Training

    The project of the course deals with real time examples and scenarios where banking related concepts are covered

  • Clear your Doubts

    You can ask all the questions in Clear your Doubts forum anytime, course experts will answer all your questions.

  • Get Certificate

    Receive an E-certificate from us once you complete the course. You can Download the Certificate from your Twenty19 account and also showcase it to your friends and family.

calculating dividend yield per share

asked by rohitshivhare

1/10 = 0.10 and if you express this is %, you have to multiply with 100

0.10*100 = 10%

Hope this clarifies

answered by , [ Oct, 2015 ]

what is the use of cash flow earning per share ?

asked by DurgaMadhuriPentyala

Hi Durga,

Generally any investor will first look for Earnings Per Share Ratio before investing in a company.

But this ratio is dependent on Profits of the company which is nothing but Sales Less Expenses.

Expenses include certain items which do not involve cash outflows like Depreciation.

So, you may have less profit because of including depreciation in expenses but your cash profit may be more.

So, Earnings Per Share calculation is modified through Cash Flow Earnings Per Share by adding back non cash expenses.

This ratio would tell you what is the cash profit earned by the company for every shares.

This ratio will enable the investor to understand what is the cash earning capacity of the company. It will also enable the investor to make judgement of the business position. If depreciation is very high, it may be possible, business will show loss. But Cash Flow will be positive. So, those kind of scenarios can be understood from this ratio.

Hope this clarifies.

answered by , [ Jun, 2015 ]

Hi Durga,

Generally any investor will first look for Earnings Per Share Ratio before investing in a company.

But this ratio is dependent on Profits of the company which is nothing but Sales Less Expenses.

Expenses include certain items which do not involve cash outflows like Depreciation.

So, you may have less profit because of including depreciation in expenses but your cash profit may be more.

So, Earnings Per Share calculation is modified through Cash Flow Earnings Per Share by adding back non cash expenses.

This ratio would tell you what is the cash profit earned by the company for every shares.

This ratio will enable the investor to understand what is the cash earning capacity of the company. It will also enable the investor to make judgement of the business position. If depreciation is very high, it may be possible, business will show loss. But Cash Flow will be positive. So, those kind of scenarios can be understood from this ratio.

Hope this clarifies.

answered by , [ Jun, 2015 ]

thank u

answered by DurgaMadhuriPentyala, [ Jun, 2015 ]

project

asked by kuldeeptiwari

Kuldeep - Case study has been forwarded to your email id. Kindly check it out.

answered by Twenty19Expert Team, [ Nov, 2014 ]

Kuldeep: How did you find the project ?

answered by Twenty19Expert Team, [ Jan, 2015 ]

sory didnt get you

answered by kuldeeptiwari, [ Jan, 2015 ]

How was your experience of doing projects with twenty19?

answered by Twenty19Expert Team, [ Jan, 2015 ]

it was good. but i think that was not enough for practical knowledge. i want for to do.

answered by kuldeeptiwari, [ Jan, 2015 ]

@Kulddep : Thanks for ur Feedback :)

answered by Twenty19Expert Team, [ Jan, 2015 ]

project

asked by kuldeeptiwari

Dear Kuldeep,

You can download Audited Financials of companies from websites. For example, try Audited Financials of Reliance Industries Ltd.

Understand its financial position from Banker point of view by evaluating their various financial ratios.

Also some, projects have been posted for attempting. Do that!

Cheers!

answered by , [ Nov, 2014 ]

recomendation

asked by kuldeeptiwari

Hi Try DD Mukherjee

answered by Twenty19Expert Team, [ Oct, 2014 ]

inventory

asked by kuldeeptiwari

Inventory stands for a) Raw Material b) Work-in-Process c) Finished Goods Average inventory can be calculated as follows: Opening Inventory + Closing Inventory --------------------------------------------------- 2

answered by Twenty19Expert Team, [ Sep, 2014 ]

income estaement

asked by kuldeeptiwari

Both are one and the same. Internationally it is called as Income Statement whereas in India it is called as Statement of Profit and Loss or Profit and Loss Account.

answered by Twenty19Expert Team, [ Sep, 2014 ]

return on outsider fund

asked by kuldeeptiwari

Outsider funds would mainly comprise Bank funds and Suppliers credit. For Bank funds, return is Interest and their charges. For Suppliers Credit, discounts if unavailed, it would become cost for us and return for them.

answered by Twenty19Expert Team, [ Sep, 2014 ]

high base rate.

asked by kuldeeptiwari

Base rate is the rate at which Banks will lend to its customers. Default of loan is a situation where the customer is not in a position to pay back the loan to the bank. Write off of loan is a scenario where the bank understands it cannot realise the loan from its customer and hence considers the loan as loss by charging the loan against profit. Because of this step, the profit of the bank would come down to the extent of loan written-off. Bank would continue its legal measures for recovery. Write off will not absolve the customer from paying back loan.

answered by Twenty19Expert Team, [ Sep, 2014 ]

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You can re-watch the videos as many times you wish but we do not allow downloading on our platform as we keep track of your progress in regards to the course you learn.

What is special about Twenty19 courses?

Twenty19 Training are fun to learn and they are structured to be easily understood by anyone.The courses are developed with College students in mind.So courses will have a lot of real world examples and Twenty19 courses are easy to take up and earn a certificate.

If I have any doubt while learning, How can I clear my doubts?

You can raise your doubt in Clear your doubts forum anytime, training experts will answer all your questions. You can also reach us at +91 9962033243 (give us a missed call), send an SMS or drop an email to trainings@twenty19.com, one of our team member will call you to support.

Is it safe to use my debit/credit card for making the payment?

No doubt, Your transaction is always safe and secure with Twenty19.

Do I get a certificate of completion?

Yes!! you will receive an E-certificate from us once you complete the training. You can include this is in your Resume to get placed better.

How will I receive the certificate?

Twenty19 certificates will be emailed to your Twenty19 registered Email ID .The very next day of your training completion you will be receiving the certificate.You can download and print your certificate.

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