Book

Banking Strategy, Credit Appraisal, and Lending Decisions

Hrishikes Bhattacharya

Second edition

Published in print October 2011 | ISBN: 9780198074106
Published online September 2012 | e-ISBN: 9780199080861 | DOI: http://dx.doi.org/10.1093/acprof:oso/9780198074106.001.0001
Banking Strategy, Credit Appraisal, and Lending Decisions

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Banks and financial institutions are faced with two apparently conflicting phenomena — interest rate deregulation on the one hand and capital adequacy requirements and prudential norms on the other. In such a situation, these institutions need to work out a strategic framework which must evolve around the profit objective so as to build up quality loan-assets portfolios and to ensure adequate capital growth. This book provides a comprehensive analysis of lending strategies, credit appraisal, risk analysis, and lending decisions within the overall objectives of a lending organization. This revised edition takes into account recent global developments in the banking sector as well as changes in the notion of banking. It includes three new chapters in which the author discusses topical issues such as the impact of capital regulation on the risk attitude and profitability of banks, strategies to protect banks from a liquidity crisis, and the need of a portfolio approach in developing models for credit exposure and loan management within a risk–return framework.

Keywords: banks; financial institutions; capital regulation; asset-liabilities strategy; lending strategies; credit appraisal; risk analysis; liquidity protection; portfolio approach; credit exposure; loan management

Book.  632 pages.  Illustrated.

Subjects: Financial Markets

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Table of Contents

Capital Regulation and Risk Management Strategy in Banking Strategy, Credit Appraisal, and Lending Decisions

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Liquidity Management and Assets-Liabilities Strategy in Banking Strategy, Credit Appraisal, and Lending Decisions

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Banking Strategy in Banking Strategy, Credit Appraisal, and Lending Decisions

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Lending Strategy and Loan Policy in Banking Strategy, Credit Appraisal, and Lending Decisions

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Fixed Assets in Banking Strategy, Credit Appraisal, and Lending Decisions

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Working Capital A Techno-Financial Approach in Banking Strategy, Credit Appraisal, and Lending Decisions

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Current Assets and Fictitious Assets in Banking Strategy, Credit Appraisal, and Lending Decisions

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Long-Term Liabilities in Banking Strategy, Credit Appraisal, and Lending Decisions

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Current Liabilities in Banking Strategy, Credit Appraisal, and Lending Decisions

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Profit and Loss Account in Banking Strategy, Credit Appraisal, and Lending Decisions

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