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Lending Policies of Indian Banks

Lending Policies of Indian Banks

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Banks in India lend to various sectors / types of customers as per RBI policy. Prudent bankers always look for legal compliance, credit worthiness, collateral security, profitability, borrowers' interest, interest rates and encourage, farmers, exporters, small scale businessmen, students, manufacturers, and so on. Controlling of NPAs is always their ultimate goal too.
Banks in India lend to various sectors / types of customers as per RBI policy. Prudent bankers always look for legal compliance, credit worthiness, collateral security, profitability, borrowers' interest, interest rates and encourage, farmers, exporters, small scale businessmen, students, manufacturers, and so on. Controlling of NPAs is always their ultimate goal too.

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Categories:Business/Law, Finance
Published by: Prof Chowdari Prasad on Apr 22, 2009
Copyright:Attribution Non-commercial

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07/28/2013

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Commercial BankingLending Policiesof Banks and FIs
 
Lending by BanksCommercial Banking2
Typical B/S of a Commercial Bank
CAPITAL & LIABILITIES
Paid up Capital
Reserves & Surpluses
Deposits (Demand & Time) and Other a/cs
Borrowings from otherBanks, Refinance fromIDBI, SIDBI, NABARD,EXIM Bank, etc
Other Liabilities
Profit and Loss a/c
TOTAL
PROPERTY & ASSETS
Cash / Bal with others
Money at Call & at ShortNotice
Investments (incl SLR)
Advances (Short,Medium and Long Term), BD, etc
Premises, Furniture,Cars, Vehicles, etc
Profit and Loss (if any)
TOTAL
 
Lending by BanksCommercial Banking3
Business Planning &Performance Review System
Growth plans and Business Levels
Sector-wise sub-plans for next year
Achievement of Targets like PrioritySector (SSI and Agri), ExportFinance, etc
Bottom Up and Top DownApproaches
Weekly, Monthly MIS and ReviewReports

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