Overview of Credit
- Principles of lending
- Credit policy
- Types of borrowers and credit facilities
- Credit delivery
- Credit appraisal
- Credit rating.
Core Credit topics
- Export finance
- Priority sector lending
- Non-fund-based credit facilities
- Government sponsored schemes – PMEGP, CEGSSC, KCC, Investment and insurance schemes
Analysis of Financial Statements
- Understanding financial statements
- Ratio analysis
- Cash flow and fund flow statements
- Project appraisal and working capital management.
- Committees related to working capital
Financial Management
- Insights into the Indian financial system
- Regulatory bodies
- Money and capital market instruments
- Time value of money
- Basics of derivatives
- Leverages
- Capital budgeting.
RBI Circulars and Related Laws
- RBI Circulars and Related Laws: Recent Reserve Bank of India (RBI) circulars
- Indian Contract Act 1872
- Banking Regulation Act 1949]
- RBI Act 1934
- Negotiable Instruments Act 1881
Management of Impaired Assets
- Documentation
- Income Recognition and Asset Classification (IRAC) norms
- Types of charges, management of impaired assets
- Insolvency and Bankruptcy Code (IBC) 2016
- Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act.
