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Course Outline Corpor e e: rate Ban nking Pro oducts, R & Credit Analy RM ysis
Corporate Banking - Produ C e ucts & Se ervices
Chapte er Debt Products Topics Introd duction Organ nisational Struc cture What wi you learn ill n? The targ customer purpose of the corporate banking and its get rs, f offerings. The organisational structure in a typical Corpo orate Banking division. g The Rela ationship Cha and the C ain Credit Chain a and its sub br ranching into o Transac ction Banking and Product Managemen t nt. Categor risation of De Products b ebt basis term, security and p purpose. This s helps in understanding how bank structure these product for clients. n ks ts Types o Working Ca of apital Loans; computing a company's w working capital n needs. Loans as a ge eneric produc and how th ct, hese are disb bursed. Capex L Types o Capex loans such as Ma of aintenance Ca apex, Refinan ncing existing g Term Lo oans, etc. Variants of Term Loa s ans, with a put / call optio for the ban and the on nk compan ny. Priority Sector Lending for Agricu ultural / Rural Loans. Sour rces of an agricultural loan portfolio for a Co orporate Bank. MSME loan ns. Bridge L Loans; its relationship wit Capital Market Exposure (direct & th e indirect). A discus ssion on Real Estate exposure. l A discus ssion on Curr rent Accounts and its feat s tures. F.Ds and features. P Processes rela ated to an F.D such repay D. yment and its renewal, sweep - in, overdraft on an F.D. e t etc. Key asp pects of salary accounts, s y such as minim mum balance, account monitor ring etc. Transac ction An o overview of th internation trade tran he nal nsactions process and the role of bank/s as e ssociated with this process. ch nsactions occ cur, and the r role of banks in these How suc Trade Tran transact tions. 2 Hou urs 2 Hou urs Recomme ended Study T Time 4 Hou urs

Classification of Debt Products Work king Capital Loans s Capital Expenditur re (Cape Loans and ex) d Project Finance Term Loan - Put / Call O Option Agricultural / Rura al Loans & MSME s loans Bridge Loans Real Estate Expos sure Liability Products Curre Accounts ent Fixed Deposits Salary Accounts Trade Products Intern national Trad de Trade Transactions: e Advan Payment nce t Trade Transactions: e Open Account Trading Trade Transactions: e Documentary Collec ctions Trade Transactions: e Letter of Credit (L LC)

The process flow of documentary collections such as 'Documents y against Payments', 'Clean Collect tions' etc. de associated with an LC; LC as a mode of trad transaction; and risks a the part ties in an LC transaction.

LC Pr rocess Flow A detailed descriptio of the proc on cess flow in an LC transaction with issuance and settlem Issua ance and e ment. Settle ement Finitiati ives Learning India Pvt. Lt (FLIP), 20 td. 012. Proprieta content. P ary Please do not misuse! +91.9243.666.002/3info@lear rnwithflip.co om

A QUAL LITY E-LE EARNING P PROGRAM BY M

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Bank Guarantees and it Types ts Risk a and Respo onsibilities Trade Finance e Produ ucts Trade Finance for e Expor rters - Pre Shipm ment Export Finan nce Post S Shipment Expor Finance rt Facto oring Trade Finance for e Importers Treasury Products Loan Equivalent Value (LEV) e Categ gorisation of Comp panies Forwa Contract ard Swap ps Optio ons Comb binations of Swap and Option ps ns Inden ntifying the Poten ntial for Treas sury Products s Project Finance a and Debt Syndicatio on Key C Characteristic cs Project Finance Persp pective in India Infras structure Project Types Project Finance Struc cture Project Appraisal Comp ponents Debt Syndication Debt Syndication Proce ess Key D Drivers for Syndication Syndicate Financin ng Securitisa ation Secur ritisation Factors an RM should consider, to choose a tr o reasury produ for the uct compan ny. Key cha aracteristics r related to Pro oject Finance (its structure Risk e, Capital etc.). description on the key ind dustrial sectors where proj ject finance A brief d occurs. Types o infrastructu projects (such as BOT DBFO etc.) on ure T, ). The process flow of Project Finan with respe to various nce ect s participa ants. Compon nents of Proje Finance (s ect such as sourc of funding, risk ces mitigation etc.). An over rview of debt syndication, its partners and key features. A stage-wise descrip ption of Debt Syndication and role of partners. The fact tors that cont tribute to syn ndication. A discus ssion on the process of sy yndicate finan ncing; and the structures A brief o overview on t the purpose o securitisat of tion and its ad dvantages. 4 Hou urs 4 Hou urs Bank Gu uarantees and their purpo ose. Categories of Bank Guarantees. The risk associated with a Bank Guarantee such as, liability to the ks bank, risks to variou participant etc. us ts Classific cation of the trade produc of banks. cts Features of the Pre S Shipment Exp port Finance for exporters Risks of s. pre-ship pment credit and its differ rence from re egular workin capital. ng Post Shipment Export Finance for exporters, its availability with Pre r y Shipment Finance as well as a St s tandalone fac cility; Exceptions to this facility. Types o Factor arrangements; C of Characteristics of invoices; Core s ; services of a Factor; Process invo s olved in facto oring. Trade products available for impo orters such as, buyer's cre edit and supplier credit; cas study. r's se A discus ssion of LEV, to quantify t the credit risk in the client treasury k t's exposur re. Categor risation of com mpanies to estimate the s suitable treas sury products. A detailed discussion on Forward Contracts, S n Swaps, Option etc., with ns illustrations using foreign exchan nge transactio ons. 2 Hou urs

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A QUAL LITY E-LE EARNING P PROGRAM BY M

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and Distre ess Debt Secur ritisation Trans saction Partic cipants and Roles s Secur ritised Produc cts and their Risk Classification RBI G Guidelines and Basel Norms for Secur ritisation Restr ructured / Distre Debt ess Board for Industrial d and F Financial Recon nstruction (BIFR R) One T Time Settle ement Corpo orate Debt Restr ructuring SARF FAESI Act Debt Recovery Tribunal (DRT) Total 18 Hours The process flow of a securitisatio transactio its particip on on, pants and their rol les, including creating an SPV. g The types of securitisation products in India (such as Colla aterized Loan n pes ication of Obligations) and typ of assets behind them. Risk classifi each asset class from a bank's pe m erspective. A discus ssion on key points of RBI and Basel G I Guidelines related to the regulation of the sec curitisation pr rocess Distress sed Debt as a form of fina ance. Features of restructu uring debt. A scena ario wise discu ussion on var rious modes of debt restru ucturing and key poin associated with them. nts

Relationsh Mana hip agemen nt

Chapter The RM Process Client Segmenta ation and Prospecting Topics Introd duction The R Process & RM Segm mentation Produ ucts for Large e Corpo orates Finan ncial Analysis nd Business Risk Multin nationals / Intern national Corpo orates Key F Focus Areas & Regulations Key D Differentiator rs What wi you learn ill n? Relation nship Manage ement, key drivers, scope and requirem ments; the thumb r rules for an R RM. A high level framewo of a relationship mana ork agement proc cess (such as Solut tion Structuri ing); client se egmentation basis size, geography, etc. The stru ucture of a large corporate its financin requireme e, ng ents, and appropr riate solutions s. A brief d discussion on financial analysis. You w also learn about the n will business risks a corp porate can face. The spe ecific requirem ments of Mult tinational Cor rporates. Where a Relationship Manager sh p hould focus w while handling a corporate g e client; important reg gulations. A discus ssion on vario ous factors th form key differentiators in a hat relationship manage ement (such a technolog integration of as, gy n corporate and bank systems for f faster transac ctions etc.) ssion on the key features of emerging corporates a and MSMEs; A discus how MS SMEs differ fro large corp om porates. Recomme ended Study T Time 4 Hou urs

Emer rging Corpo orates, MSME Es

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Government Relations RM Process Analysis a and Structurin ng rnal Analysis Exter Finan ncial Analysis Solut tion Structuring Asses ssing Relationship Value e Value of Deal & e Incom mes Risk A Adjusted Retur on Capital rn (RAROC) & Risk Weighted Assets (RWA A) Featu ures affecting g RWA Mana aging Risk Comm mitted and Uncommitted Facilit ties Cross Selling s Positi ioning for Futur Business re RM Strate egy Produ Penetratio uct on Index (PPI) x Relationship Strate egy Mix Ethics in s Relationship Mana agement The imp portance of government re elations, classification of t the relationships and fac ctors to be ke in mind w ept while managin them. ng The ana alysis of exter rnal factors (such as technological cha anges etc.) to o manage the risk invo e olved and cro sell variou products. oss us Assessm ment of the financial healt of the business. Factors affecting th s the cash flow & risk mitigants. h Factors to be kept in mind while creating an o n optimum solu ution for the corporate. A brief d discussion on various fact n tors (such as, deals in han etc.) that , nd must be considered while assessing the relationship value of a e corporate. How the value of the deal is arriv e e ved at; the ty ypes of incom a bank me earns. An intro oduction to RA AROC and RW Basel II and computing RAROC WA; under B Basel II. 4 Hou urs

A discus ssion on vario ous paramete that affec RWA (such as, facilities ers ct with Cash Margin etc c.). We will also discuss o how to manage those on risks. A Brief d discussion Co ommitted and Uncommitte Facilities a d ed and its impact o the value of a deal. on Cross se elling and it importance to the relation o nship manage ement. Maintain ning a long te erm relations ship; making future gains at the cost of imme ediate loss. Comput ting the perfo ormance after cross -sell, in a matrix. r Relation nship strategy based on potential and wallet share. y The fact tors an RM m must consider to ensure conduct of eth r, hical business. Total 10 Hours 2 Hou urs

Course Outline: C C O Corporat Bank te king - Cr redit Analysis

Chapte er Introduct tion to Credit Risk Managem ment Topics Credit Risk Management Basel I and Basel II Rating, Rating h Watch What wi you learn ill n? An over rview of Credit Risk Manag gement An over rview on key norms of Bas I and Basel II and how does it help sel w p bank. How Ratings & 'Ratin Watch' ar used in Cr ngs re redit Risk Man nagement. Recomme ended Study T Time 2 Hou urs

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Basic Credit Risk Mode el Qualitativ ve Analysis Econo omic Risk and d Great (Economic) t Cycle of Life e Indus stry Risk Risks at different lev t vels that are e evaluated for credit analy r ysis. The eco onomic lifecyc via various stages and various econ cle nomic risks with sce enarios. The cha aracteristics o industry (such as Entry Barrier) and factors that of determine the risk b behaviour of a industry (e an e.g. Governm ment policies) ). A discus ssion on vario ous subjectiv factors that are respons ve sible for compan risk. For ex ny xample, Mana agement Com mpetency, Co oncentration Risk etc c. Reclassi ification of P& items, from a lender's use perspect &L m tive. Detailed analysis of a P&L Statem d ment - COGS EBIDTA, Ta S, axes, etc. Re-categorisation of the Balance Sheet items, from a lender's , perspec ctive. Analysis of various c s components o a Balance S of Sheet. Profitab bility ratios su uch as EBITDA Margin & P A PAT Margin; R ROCE &ROE, with the use of live e e examples. Ratios & Terms whic evaluate th financial soundness of the ch he compan TD/TNW, DSCR, etc.; with live examples. nyRatios w which depict t the liquidity s scenario of a company; ex xplanations and live examples. e An exer rcise on Credi Analysis wi a real-life Annual Repo it ith ort. 4 Hou urs 4 Hou urs 4 Hou urs 2 Hou urs 2 Hou urs

Company Analysis Subjective Paramete ers Financial Analysis P&L Statemen nt Financial Analysis Balance Sheet Ratio Analysis

Comp pany Risk Subje ective Factors s

Reclassified P&L State ement Comp ponents of P&L State ement Reclassified Balance Sheet t Comp ponents of Balan Sheet nce Profit tability Ratios s

4 Hou urs

Solve ency & Lever rage Ratios Liquid dity Ratios Credit Analysis - An Exercise Product e: Structure Key Conce epts rity - order of f Secur impor rtance & type es of Security Types of Security s and S Security Enfor rcement Tangi ibility of Secur rity Liquid dity and Enfor rcement of Charg ge Basic Terms

A discus ssion on secu urities in orde of importan to their c er nce credit risk mitigation. An over rview of the c classification of securities on the basis of tangibili ity. Classific cation of colla ateral, on the basis of tangibility. e Overvie of liquid an illiquid col ew nd llateral; how banks can place a charge e on the a assets, and e enforce them. . An over rview of basic terms such as Tranch, B c Back to Back F Facility etc.

4 Hou urs

RBI G Guidelines Coven nants and Struc ctures &

A brief d discussion on key aspects of RBI Guide n s elines regarding NPAs. Conditio ons around a bank's loans with casele s, ets. Risk profiles of loan products.

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Credit Note 1 Comp ponents of Credit Note Writing a Credit Note We will discuss topics such as: Com e. mponents of a Credit Note, Facilit Description and content of a facility table, t ty n ts y Covenants, etc. The Bus siness Profile covers dimensions such a Board of D as Directors, Capital Market Data, External Ratings available, etc. , The Fina ancial Profile covers areas such as Ana s alysis of P&L and Balance Sheet, L Liquidity and Financial Soundness, and Financial Pr d rojections, Credit R Risk and Cred Risk Mitiga dit antsetc Total 34 Hours 4 Hou urs Credit Note 2 Busin ness Profile of f the B Borrower Finan ncial Profile of f the B Borrower 4 Hou urs

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