1

WHAT DO FINANCIAL INSTITUTIONS DO?

2

DIFFERENT TYPES OF LENDING INSTITUTIONS AND THE NATURE OF THEIR LENDING

3

GENERAL PRINCIPLES OF GOOD LENDING

4

METHODS OF CREDIT ANALYSIS

5

THE CREDIT ANALYSIS PROCESS

6

SUMMARY

7

INTRODUCTION TO LENDING QUIZ

1

INTRODUCTION

2

THE REASONS WHY CUSTOMERS WANT TO BORROW MONEY

3

EVALUATING THE BORROWING PURPOSE

4

ASSESSING THE SOURCES OF DEBT REPAYMENT

5

CASH GENERATION AS A SOURCE OF DEBT REPAYMENT

6

ASSET SALE AS A SOURCE OF REPAYMENT

7

DEBT REFINANCING

8

ASSESSMENT OF THE BUSINESS OWNERS

9

STRUCTURING BORROWING TERMS

10

SECURITY

11

SUMMARY

12

QUIZ ON THE PRINCIPLES OF GOOD LENDING

1

INTRODUCTION

2

MATCHING LENDING PRODUCTS TO CUSTOMER NEEDS

3

PRSONAL LENDING PRODUCTS

4

BUSINESS BORROWING

5

MORE SPECIALIZED FORMS OF BUSINESS AND BORROWINGCORPORATE

6

ALTERNATIVE CREDIT DELIVERY METHODS

7

SUMMARY

8

QUIZ ON CREDIT PRODUCTS AND SERVICES

1

INTRODUCTION

2

WHY AND WHEN SHOULD SECURITY BE TAKEN?

3

ATTRIBUTES OF GOOD SECURITY

4

THE FUNDAMENTALS AND LEGALITY OF SECURITY

5

SECOND MORTGAGES

6

GUARANTEES AND OTHER THIRD PARTY SECURITY

7

CORPORATE LENDING AND SECURITY

8

SUMMARY

9

QUIZ ON SECURITIES FOR LENDING

1

INTRODUCTION

2

CREDIT RISK IN BANKING

3

THE RISK MANAGEMENT FRAMEWORK

4

CREDIT RISK PORTFOLIO MANAGEMENT

5

INTERNAL RATINGS AND RATINGS MIGRATION

6

CREDIT RISK AND THE BASEL ACCORD

7

SUMMARY

8

QUIZ ON MANAGING CREDIT RISK

1

INTRODUCTION

2

GENERAL PRINCIPLES OF CREDIT REPORTING (WORLD BANK GROUP REPORT)

3

THE EVOLUTION OF INFORMATION AVAILABLE TO LENDERS (TECHNOLOGY VS TRADITIONAL)

4

CREDIT INFORMATION – SOURCES AND USES

5

CREDIT INFORMATION SHARING (CIS) AND CREDIT REFERENCE BUREAUS (CRB)

6

CREDIT BUREAUS

7

THE CREDIT LIFE-CYCLE

8

SUMMARY

9

QUIZ ON CREDIT INFORMATION SHARING

1

THE OBJECTIVES OF REGULATIONS

2

PRUDENTIAL REGULATION GUIDELINES

3

THE ETHICS OF LENDING

4

CORPORATE RESPONSIBILITIES

5

PROFESSIONAL BEHAVIOUR

6

PROTECTING THE BRAND – REPUTATIONAL RISK

7

SUMMARY

8

QUIZ ON REGULATIONS AND ETHICS

1

HOW MICROFINANCE DIFFERS WITH OTHER LENDING TECHNIQUES

2

THE NEEDS OF MICROFINANCE CUSTOMERS

3

PRODUCTS AND SERVICES IN MICROFINANCE

4

AN OVERVIEW OF THE MICROFINANCE PROCESS

5

PRINCIPLES OF MICROFINANCE LENDING

6

ASSESSING THE BORROWER

7

LENDING WITH LITTLE OR LOW SECURITY

8

LENDING TO GROUPS

9

SUMMARY

10

QUIZ ON MICROFINANCE

1

INTRODUCTION

2

APPRAISING THE LENDING PROPOSITION

3

MONITORING AND CONTROL

4

LARGE PERSONAL LENDING

5

SPECIAL TYPES OF PERSONAL BORROWERS: EXECUTORS, TRUSTEES & CLUBS

6

CUSTOMER DUE DILIGENCE

7

SUMMARY

8

PERSONAL LENDING QUIZ

1

SME LENDING AND LARGER CORPORATE LENDING

2

ASSESSING THE RISKS AND STRUCTURE FOR ANALYSIS

3

NON-FINANCIAL INFORMATION AND ITS APPRAISAL

4

FINANCIAL APPRAISAL

5

CAPITAL INVESTMENT APPRAISAL

6

APPRAISING PROFITABILITY AND CASHFLOW FORECASTS

7

MONITORING AND CONTROL

8

MEDIUM TERM LENDING AND FACILITY LETTERS

9

SUMMARY

10

QUIZ ON CORPORATE LENDING

1

WHAT MAKES ISLAMIC BANKING DIFFERENT?

2

PRINCIPLES OF ISLAMIC BANKING

3

COMMON ISLAMIC BANKING PRODUCTS

4

FINANCING PRODUCTS

5

THE ROLE OF THE SHARI’A BOARD

6

ACCOUNTING AND DISCLOSURE

7

THE REGULATION OF ISLAMIC BANKS

8

RISK FACTORS

9

ESTIMATING THE SIZE OF THE ISLAMIC BANKING INDUSTRY

10

SUMMARY

11

ISLAMIC BANKING QUIZ

1

INTRODUCTION

2

DEFINITION OF A DETERIORATING CREDIT

3

TYPES OF POTENTIAL PROBLEMS AND EARLY WARNING SIGNS

4

LARGER BUSINESS CUSTOMERS AND INCORPORATED BUSINESSES

5

NON-PERFORMING LOANS AND THE NEW ACCOUNTING RULES IFRS9

6

SUMMARY

7

QUIZ ON NON-PERFORMING LOANS