Nature and target：
Upon completion of all subjects, participants should be able to analyze and interpret financial statements with recognition of the conception problems in accounting; structure credit packages to meet customers’ needs with a better understanding of the fundamentals of business operations; prepare logical and quality credit analysis and credit applications.
Content：
Subject 1. Accounting for Bank Credit (24 hrs)
n Balance Sheet Components Analysis
n Profit and Loss Account Components Analysis
n Conceptual problems in accounting measurements& valuation of stock, depreciation, revaluation of assets, extraordinary items & exceptional items
Subject 2. Interpretation of Accounts (16hrs)
n Fund Flow Statement Analysis
n Fund Flow Vs Cash Flow
n Investment appraisal techniqu : IRR.
n Discount Cash Flow Technique
n Ratio Analysis : Profitability, Liquidity and Gearing
Subject 3. Business Continuity Techniques (16hrs)
n Breakeven Analysis
n Operating Leverage
n Cashflow Projection/ Sensitivity Analysis
n Working Capital Calculation
n Other Bankruptcy Indicator
n Sustainable Growth Rate
Subject 4. Business Assessment Techniques (16hrs)
n Sources of Information
n Industry analysis & product life cycle
n Customers’ corporate mission, strategy, organizational structure, marketing planning , SWOT,BCG Matrix and Michael Porter model
Subject 5. Credit Proposal Preparation (16hrs)
n Limit structure
n Security/collateral
Position:Course Searching
