Strategic credit management:
Gespeichert in:
| Hauptverfasser: | , |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
New York [u.a.]
Wiley
1995
|
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | XII, 239 S. graph. Darst. |
| ISBN: | 047158343X |
Internformat
MARC
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Datensatz im Suchindex
| _version_ | 1804125027555082240 |
|---|---|
| adam_text | Contents
Chapter 1 Introduction 1
Organization of This Book 4
Chapter 2 The Strategic Environment for Banking 6
Dimensions of Banking Deregulation 6
Characteristics of the New Environment 7
Risk based Capital Standards 8
Interstate Banking: An Update 11
Glass Steagall Act: An Update 11
Intermediation and Securitization 13
Competitive Pressure on U.S. Banks 16
Foreign Competition 17
Competition from Securities Industry 18
Consolidation 21
Spotlight on Risk and Profitability 23
References 24
Appendix 2A: Risk Based Capital Requirements (1992) 25
Chapter 3 The Credit Management Process 28
Development of a Credit Culture 32
Credit Analysis 33
Credit Approval, Supervision, and Follow up 36
Credit Workout 38
x Contents
Credit Training 39
/ Treament of Loan Loss Reserves: Role of
Supervising Agencies 40
Cost of Lending Errors 43
Chapter 4 Credit Management Supervision 46
The Review and Approval Process 48
Judgment, Experience, and Continuity 52
Credit Management and Bank Strategy 54
Credit Administration 55
Credit Management—Risk Rating System 56
Credit Monitoring and Follow up Management 60
Loan Losses and Capital Adequacy 62
Summary 65
Appendix 4A: Key Positions in the Credit Review and
Approval Process 66
Appendix 4B: Commercial Credit Application 69
Appendix 4C: The Rating Wheel 71
Chapter 5 Credit Analysis 74
Purpose of the Loan 77
Sources of Repayment 79
Historical Financial Analysis 80
The Financial Statements 82
Cash Flow Analysis 85
Financial Forecasting 90
Techniques of Forecasting 91
Economic Valuation 96
Cash Flow as Predictor of Financial Distress 99
Evaluation of Management, the Industry, and Corporate
Strategy 100
Interaction of Qualitative and Quantitative Analyses 104
Summary 105
References 106
Appendix 5A: Selected Information from the 1991 Annual
Report of PacifiCorp 107
Contents xi
Chapter 6 Risk and Return in Banking 113
An Analytical Framework to Set Strategic Financial Goals 114
Loan Pricing and Risk Adjusted Rate of Return 119
A Loan Pricing Model 121
The Model 122
Loan Pricing: Revenues and Costs and the Concept of
Economic Break Even 123
Definition of Each Element 123
Cost Elements 124
Loan Pricing: Putting It All Together 125
Loan Pricing Exercise 126
Loan Pricing Form 127
Loan Pricing: How It Is Done in Practice 128
Management of Loan Portfolios 129
Portfolio Management for the 90s 132
Appendix 6A: Setting Corporate Financial Goals at
California National Bank: A Hypothetical Case 136
Chapter 7 Loan Workout 142
The Loan Workout Process 143
Commercial Borrower Credit Files 147
Organization and Management of Workout Activities:
Costs and Benefits of Alternative Appoaches 148
Identification of Problem Loan Candidates 151
Effective Workout Management: The Role of the
Human Element 154
Summary 154
Chapter 8 The Legal Environment of Lending 157
Loan Structuring 158
Documentation: The Loan Agreement 160
The Role of Legal Counsel 164
The Relationship: Marketing to Loan Structuring 165
Managing External Liabilities 167
Appendix 8A: Sample Loan Agreement 170
xii Contents
Chapter 9 Credit Training 175
Training for the 90s 177
Credit Management: Training Needs 179
Delivery of Credit Training 179
Chapter 10 Social Environment for Banking 185
Corporations in the 90s: Societal Issues 185
Social Environment: Issues of Particular Concern to Bankers 187
Community Reinvested Act (CRA) 187
Banking and the Environment 192
Other Social Activities of Banks 193
The CRA and the Credit Process 194
Appendix 10A: CRA Activities of a Typical Large Bank 197
Appendix 10B: Statement of Goals (Environmental
Principles) 199
Chapter 11 Deregulation and the Credit
Management Process 202
How Banks Can Add Value in Credit Intermediation in the 90s 202
Securitization 203
The Emergence of Financial Engineering 207
Caps, Collars, and Floors 210
The FDICIA (1991) 213
Implications for Strategic Credit Management 216
Chapter 12 Strategic Management of the Credit 219
Process in the 90s
Creation of a Credit Culture 220
Risk/Return Pricing 221
Portfolio Management 225
Cost Effective Credit Management 227
Realities of the Marketplace in the 90s 232
Summary 233
Index 237
|
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| illustrated | Illustrated |
| indexdate | 2024-07-09T17:55:02Z |
| institution | BVB |
| isbn | 047158343X |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-007038590 |
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| physical | XII, 239 S. graph. Darst. |
| publishDate | 1995 |
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| publisher | Wiley |
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| spelling | Basu, Sam N. Verfasser aut Strategic credit management Sam N. Basu and Harold L. Rolfes, Jr. New York [u.a.] Wiley 1995 XII, 239 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Crédit - Gestion Prêts bancaires Strategisches Management (DE-588)4124261-0 gnd rswk-swf Kreditmanagement (DE-588)4138463-5 gnd rswk-swf Kreditmanagement (DE-588)4138463-5 s Strategisches Management (DE-588)4124261-0 s DE-604 Rolfes, Harold L. Verfasser aut HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=007038590&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Basu, Sam N. Rolfes, Harold L. Strategic credit management Crédit - Gestion Prêts bancaires Strategisches Management (DE-588)4124261-0 gnd Kreditmanagement (DE-588)4138463-5 gnd |
| subject_GND | (DE-588)4124261-0 (DE-588)4138463-5 |
| title | Strategic credit management |
| title_auth | Strategic credit management |
| title_exact_search | Strategic credit management |
| title_full | Strategic credit management Sam N. Basu and Harold L. Rolfes, Jr. |
| title_fullStr | Strategic credit management Sam N. Basu and Harold L. Rolfes, Jr. |
| title_full_unstemmed | Strategic credit management Sam N. Basu and Harold L. Rolfes, Jr. |
| title_short | Strategic credit management |
| title_sort | strategic credit management |
| topic | Crédit - Gestion Prêts bancaires Strategisches Management (DE-588)4124261-0 gnd Kreditmanagement (DE-588)4138463-5 gnd |
| topic_facet | Crédit - Gestion Prêts bancaires Strategisches Management Kreditmanagement |
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