Podcast
Questions and Answers
What is the most important activity of banks according to the given text?
What is the most important activity of banks according to the given text?
- Providing financial services
- Extending loans (correct)
- Accepting deposits
- Investing in stocks
What is the primary goal of banks when disbursing credit?
What is the primary goal of banks when disbursing credit?
- To increase credit portfolio
- To increase profitability
- To contribute to economic development (correct)
- To reduce risk
What percentage of total assets of commercial banks of Bangladesh constitutes loans and advances?
What percentage of total assets of commercial banks of Bangladesh constitutes loans and advances?
- 65 percent (correct)
- 50 percent
- 70 percent
- 80 percent
Why is effective management of loan quality crucial for banks?
Why is effective management of loan quality crucial for banks?
What is the primary source of revenue for banks?
What is the primary source of revenue for banks?
What is the main risk associated with a bank's loan portfolio?
What is the main risk associated with a bank's loan portfolio?
What is essential for maintaining a good credit portfolio?
What is essential for maintaining a good credit portfolio?
What is the ultimate goal of banks when managing credit risk?
What is the ultimate goal of banks when managing credit risk?
What is the main objective of an Internal Credit Risk Rating System?
What is the main objective of an Internal Credit Risk Rating System?
What happens if the wrong sector or industry is selected in the Internal Credit Risk Rating System?
What happens if the wrong sector or industry is selected in the Internal Credit Risk Rating System?
If a borrower has multiple lines of business, how should the sector be selected?
If a borrower has multiple lines of business, how should the sector be selected?
What should be done if no particular line of business can be singled out?
What should be done if no particular line of business can be singled out?
Who has the authority to sanction or approve loans?
Who has the authority to sanction or approve loans?
What type of assets are Due from Affiliates classified as?
What type of assets are Due from Affiliates classified as?
What is the purpose of the Internal Credit Risk Rating System in credit selection?
What is the purpose of the Internal Credit Risk Rating System in credit selection?
What is the purpose of the Accumulated Depreciation account?
What is the purpose of the Accumulated Depreciation account?
What is the purpose of the Internal Credit Risk Rating System in credit pricing?
What is the purpose of the Internal Credit Risk Rating System in credit pricing?
What is the classification of Office Supplies in the balance sheet?
What is the classification of Office Supplies in the balance sheet?
What is the characteristic of the Internal Credit Risk Rating System?
What is the characteristic of the Internal Credit Risk Rating System?
What is the purpose of the Retained Earnings account?
What is the purpose of the Retained Earnings account?
What type of liabilities are Short Term Bank Borrowings classified as?
What type of liabilities are Short Term Bank Borrowings classified as?
What is the classification of Marketable Securities in the balance sheet?
What is the classification of Marketable Securities in the balance sheet?
What is the purpose of the Directors Loan (subordinated) account?
What is the purpose of the Directors Loan (subordinated) account?
What is the classification of Goods-in-transit in the balance sheet?
What is the classification of Goods-in-transit in the balance sheet?
What is one of the benefits of a well-thought-out loan proposal?
What is one of the benefits of a well-thought-out loan proposal?
What is the purpose of credit appraisal in selecting borrowers?
What is the purpose of credit appraisal in selecting borrowers?
What is one of the aspects that the RM assesses during credit appraisal?
What is one of the aspects that the RM assesses during credit appraisal?
What is the purpose of assessing the security offered by the customer?
What is the purpose of assessing the security offered by the customer?
What is used to grade the borrower in case of large loans?
What is used to grade the borrower in case of large loans?
Who refers to External Credit Assessment Institution (ECAI) for credit rating?
Who refers to External Credit Assessment Institution (ECAI) for credit rating?
What is one of the sources of inputs for decision making?
What is one of the sources of inputs for decision making?
What is the purpose of credit appraisal?
What is the purpose of credit appraisal?
What is the primary goal of borrower analysis?
What is the primary goal of borrower analysis?
What is the role of a credit officer in the borrower selection process?
What is the role of a credit officer in the borrower selection process?
What is a key consideration for a bank when selecting a borrower?
What is a key consideration for a bank when selecting a borrower?
What does the bank do after being satisfied with the borrower's application?
What does the bank do after being satisfied with the borrower's application?
What is the purpose of Figure 3.2.1?
What is the purpose of Figure 3.2.1?
What is a crucial aspect of the borrower analysis?
What is a crucial aspect of the borrower analysis?
Why does a bank conduct borrower analysis?
Why does a bank conduct borrower analysis?
What is the final stage of the borrower selection process?
What is the final stage of the borrower selection process?
What is the main source of earning and cash flow of a bank?
What is the main source of earning and cash flow of a bank?
What is the organization of the manual defined by?
What is the organization of the manual defined by?
What is the consequence of credit failure to a bank?
What is the consequence of credit failure to a bank?
What is the name of the bank that the manual is specifically designed for?
What is the name of the bank that the manual is specifically designed for?
What is the focus of Chapter 5 of the manual?
What is the focus of Chapter 5 of the manual?
What is the purpose of credit planning?
What is the purpose of credit planning?
What is the primary focus of Chapter 3 of the manual?
What is the primary focus of Chapter 3 of the manual?
How many chapters does the manual have, including introduction?
How many chapters does the manual have, including introduction?
What is the primary objective of a credit appraisal exercise?
What is the primary objective of a credit appraisal exercise?
What are the various aspects of credit appraisal?
What are the various aspects of credit appraisal?
What is the purpose of evaluating the managerial aspect of a credit proposal?
What is the purpose of evaluating the managerial aspect of a credit proposal?
What is the ultimate goal of a feasibility study?
What is the ultimate goal of a feasibility study?
What is the importance of evaluating the socio-economic aspect of a credit proposal?
What is the importance of evaluating the socio-economic aspect of a credit proposal?
What is the role of a credit appraisal report?
What is the role of a credit appraisal report?
What is the primary focus of a credit appraisal exercise?
What is the primary focus of a credit appraisal exercise?
What is the importance of evaluating the financial viability of a project?
What is the importance of evaluating the financial viability of a project?
What is the reason behind the financial sector's inability to comply with the implementation deadline?
What is the reason behind the financial sector's inability to comply with the implementation deadline?
Why do banks perceive environmental hazards as a risk to their business?
Why do banks perceive environmental hazards as a risk to their business?
What is the consequence of lending to clients affected by environmental degradation?
What is the consequence of lending to clients affected by environmental degradation?
What does the Gross Margin ratio measure?
What does the Gross Margin ratio measure?
What is the rule of thumb for the Operating Profit Margin ratio?
What is the rule of thumb for the Operating Profit Margin ratio?
What is the purpose of the Guidelines on Environmental Risk Management?
What is the purpose of the Guidelines on Environmental Risk Management?
What does the Return on Assets ratio measure?
What does the Return on Assets ratio measure?
What is the indirect cost to banks associated with environmental degradation?
What is the indirect cost to banks associated with environmental degradation?
Why do banks need to assess environmental risks?
Why do banks need to assess environmental risks?
What is the rule of thumb for the SG&A ratio?
What is the rule of thumb for the SG&A ratio?
What does the Return on Equity ratio measure?
What does the Return on Equity ratio measure?
What does a negative net operating cash flow indicate?
What does a negative net operating cash flow indicate?
When did the Bangladesh Bank circulate the Guidelines on Environmental Risk Management?
When did the Bangladesh Bank circulate the Guidelines on Environmental Risk Management?
What is the impact of environmental problems on the value of real estate?
What is the impact of environmental problems on the value of real estate?
What is the purpose of the Depreciation ratio?
What is the purpose of the Depreciation ratio?
What should a credit analyst do when evaluating a company's negative net operating cash flows?
What should a credit analyst do when evaluating a company's negative net operating cash flows?
What does the Net Margin ratio measure?
What does the Net Margin ratio measure?
What does a positive net investing cash flow indicate?
What does a positive net investing cash flow indicate?
Why should a credit analyst investigate a company's capital expenditures?
Why should a credit analyst investigate a company's capital expenditures?
What is the rule of thumb for the Dividend Payout Rate ratio?
What is the rule of thumb for the Dividend Payout Rate ratio?
What happens when a firm increases its investment in productive assets?
What happens when a firm increases its investment in productive assets?
What is the result of higher surplus from operating activities?
What is the result of higher surplus from operating activities?
What is the importance of evaluating the quality of investment made by a firm?
What is the importance of evaluating the quality of investment made by a firm?
What is the relationship between investment in productive assets and surplus from operating activities?
What is the relationship between investment in productive assets and surplus from operating activities?
What does the Sales to Total Assets ratio indicate?
What does the Sales to Total Assets ratio indicate?
What is the rule of thumb for the Inventory in Days ratio?
What is the rule of thumb for the Inventory in Days ratio?
What does the Current Ratio measure?
What does the Current Ratio measure?
What is the purpose of the Quick Ratio?
What is the purpose of the Quick Ratio?
What is the rule of thumb for the Working Capital Components ratio?
What is the rule of thumb for the Working Capital Components ratio?
What is the primary concern of a short-term creditor, such as a bank, when evaluating the financial health of a borrower?
What is the primary concern of a short-term creditor, such as a bank, when evaluating the financial health of a borrower?
What do financial statements reveal about a company's performance?
What do financial statements reveal about a company's performance?
Which of the following is NOT a dimension of financial health evaluated in financial statement analysis?
Which of the following is NOT a dimension of financial health evaluated in financial statement analysis?
What is the primary focus of a long-term creditor, such as a bondholder, when evaluating a company's financial health?
What is the primary focus of a long-term creditor, such as a bondholder, when evaluating a company's financial health?
What is the purpose of financial statement analysis in the context of credit evaluation?
What is the purpose of financial statement analysis in the context of credit evaluation?
What is the primary purpose of financial ratio analysis in evaluating the financial performance of a firm?
What is the primary purpose of financial ratio analysis in evaluating the financial performance of a firm?
Which type of ratio measures the company's potentiality and performance?
Which type of ratio measures the company's potentiality and performance?
What can be inferred from a low profit margin ratio?
What can be inferred from a low profit margin ratio?
What is the purpose of analyzing various ratios in financial statement analysis?
What is the purpose of analyzing various ratios in financial statement analysis?
What does a high debt-to-equity ratio indicate about a company's capital structure?
What does a high debt-to-equity ratio indicate about a company's capital structure?
What does the interest coverage ratio primarily measure?
What does the interest coverage ratio primarily measure?
Which of the following ratios measures the average number of days receivables are outstanding before being collected?
Which of the following ratios measures the average number of days receivables are outstanding before being collected?
What is the implication of a debt service coverage ratio that is less than one?
What is the implication of a debt service coverage ratio that is less than one?
Which of the following is an example of an activity ratio?
Which of the following is an example of an activity ratio?
What is the rule of thumb for the debt service coverage ratio?
What is the rule of thumb for the debt service coverage ratio?
What is a possible implication of a positive net financing cash flow resulting from an increase in equity capital?
What is a possible implication of a positive net financing cash flow resulting from an increase in equity capital?
Which of the following cash flow profiles would indicate a firm's need for new bank finance for capital expenditure?
Which of the following cash flow profiles would indicate a firm's need for new bank finance for capital expenditure?
What is a possible consequence of excessive borrowing, as indicated by a positive net financing cash flow?
What is a possible consequence of excessive borrowing, as indicated by a positive net financing cash flow?
What is a possible interpretation of a negative net financing cash flow?
What is a possible interpretation of a negative net financing cash flow?
Which of the following is a key consideration for a credit analyst when evaluating a firm's cash flow profile?
Which of the following is a key consideration for a credit analyst when evaluating a firm's cash flow profile?
What is the primary objective of marketing analysis in the context of a project?
What is the primary objective of marketing analysis in the context of a project?
What is the key analytical tool used in industry analysis to identify the competitive forces?
What is the key analytical tool used in industry analysis to identify the competitive forces?
What aspect of the market does marketing analysis focus on?
What aspect of the market does marketing analysis focus on?
What is the main objective of industry analysis?
What is the main objective of industry analysis?
What does marketing analysis provide information about?
What does marketing analysis provide information about?
What is the focus of marketing analysis in the context of a project?
What is the focus of marketing analysis in the context of a project?
What is the primary consideration in marketing analysis?
What is the primary consideration in marketing analysis?
What does marketing analysis help to identify?
What does marketing analysis help to identify?
What is the outcome of marketing analysis?
What is the outcome of marketing analysis?
What is the focus of industry analysis in the context of a project?
What is the focus of industry analysis in the context of a project?
What is the primary objective of analyzing a firm's cash flow statement?
What is the primary objective of analyzing a firm's cash flow statement?
What does a high Total Liability to Net Worth ratio indicate?
What does a high Total Liability to Net Worth ratio indicate?
What is the primary focus of liquidity analysis?
What is the primary focus of liquidity analysis?
What is the impact of a high debt ratio on a firm's financial leverage?
What is the impact of a high debt ratio on a firm's financial leverage?
What is the primary purpose of financial ratio analysis?
What is the primary purpose of financial ratio analysis?
What type of cash inflow is generated from borrowing?
What type of cash inflow is generated from borrowing?
What is the purpose of adjusting for non-operating losses or gains in the cash flow statement?
What is the purpose of adjusting for non-operating losses or gains in the cash flow statement?
What is the impact of a decrease in accounts receivable on the cash flow statement?
What is the impact of a decrease in accounts receivable on the cash flow statement?
What is the primary focus of liquidity analysis?
What is the primary focus of liquidity analysis?
What is the purpose of preparing a cash flow statement?
What is the purpose of preparing a cash flow statement?
What does a negative net operating cash flow indicate?
What does a negative net operating cash flow indicate?
What is the purpose of analyzing the cash flow from operating activities in a cash flow statement?
What is the purpose of analyzing the cash flow from operating activities in a cash flow statement?
What is the cash flow from investing activities mainly used for?
What is the cash flow from investing activities mainly used for?
What is the purpose of preparing a cash flow statement?
What is the purpose of preparing a cash flow statement?
What is the net cash flow from operating activities calculated by?
What is the net cash flow from operating activities calculated by?
What is the purpose of Cash Flow from Financing Activities?
What is the purpose of Cash Flow from Financing Activities?
What is the effect of a decrease in Long-term Loans/Bonds Payable on Cash Flow from Financing Activities?
What is the effect of a decrease in Long-term Loans/Bonds Payable on Cash Flow from Financing Activities?
What is the purpose of Net C/F from Operating, Investing & Financing Activities?
What is the purpose of Net C/F from Operating, Investing & Financing Activities?
What is the effect of an increase in Property, Plant & Equipment on Cash Flow from Investing Activities?
What is the effect of an increase in Property, Plant & Equipment on Cash Flow from Investing Activities?
What is the purpose of Opening Cash & Bank Balance in the Cash Flow Statement?
What is the purpose of Opening Cash & Bank Balance in the Cash Flow Statement?
What does a positive net financing cash flow indicate if it is a result of increase in equity capital?
What does a positive net financing cash flow indicate if it is a result of increase in equity capital?
What is the main purpose of cash flow from investing activities?
What is the main purpose of cash flow from investing activities?
What is the primary objective of analyzing a firm's cash flow statement?
What is the primary objective of analyzing a firm's cash flow statement?
What does a negative net financing cash flow indicate?
What does a negative net financing cash flow indicate?
What type of cash inflows is included in cash flow from operations?
What type of cash inflows is included in cash flow from operations?
What is the focus of financial ratio analysis in the context of credit evaluation?
What is the focus of financial ratio analysis in the context of credit evaluation?
What is the primary focus of liquidity analysis?
What is the primary focus of liquidity analysis?
What should a credit analyst do when evaluating a company's cash flow profile?
What should a credit analyst do when evaluating a company's cash flow profile?
What type of cash outflows is included in cash flow from operations?
What type of cash outflows is included in cash flow from operations?
What is the primary purpose of preparing a cash flow statement?
What is the primary purpose of preparing a cash flow statement?
What is the total amount of liabilities and equity as of December 31, 2019?
What is the total amount of liabilities and equity as of December 31, 2019?
What is the net income for the year ended December 31, 2019?
What is the net income for the year ended December 31, 2019?
What is the amount of cash dividends declared and paid during the year ended December 31, 2019?
What is the amount of cash dividends declared and paid during the year ended December 31, 2019?
What is the cost of additional equipment purchased during the year ended December 31, 2019?
What is the cost of additional equipment purchased during the year ended December 31, 2019?
What is the amount of plant assets sold during the year ended December 31, 2019?
What is the amount of plant assets sold during the year ended December 31, 2019?
What is the total amount of assets as of December 31, 2019?
What is the total amount of assets as of December 31, 2019?
What is the gain on sale of plant assets during the year ended December 31, 2019?
What is the gain on sale of plant assets during the year ended December 31, 2019?
What is the total amount of revenues and gains for the year ended December 31, 2019?
What is the total amount of revenues and gains for the year ended December 31, 2019?
What is the depreciation expense for the year ended December 31, 2019?
What is the depreciation expense for the year ended December 31, 2019?
What is the total amount of expenses for the year ended December 31, 2019?
What is the total amount of expenses for the year ended December 31, 2019?
What does a company's ability to generate future net cash inflows from operations help to pay?
What does a company's ability to generate future net cash inflows from operations help to pay?
What is one of the reasons for differences between net income and net cash flow from operating activities?
What is one of the reasons for differences between net income and net cash flow from operating activities?
What is the primary categorization of activities in a statement of cash flows?
What is the primary categorization of activities in a statement of cash flows?
What is the purpose of analyzing a company's cash flow statement?
What is the purpose of analyzing a company's cash flow statement?
What is the focus of liquidity analysis in the context of financial statement analysis?
What is the focus of liquidity analysis in the context of financial statement analysis?
What is the primary concern of a long-term creditor, such as a bondholder, when evaluating the financial health of a borrower?
What is the primary concern of a long-term creditor, such as a bondholder, when evaluating the financial health of a borrower?
What does financial statement analysis reveal about a company's past performance and current financial position?
What does financial statement analysis reveal about a company's past performance and current financial position?
What is the main purpose of analyzing a company's financial statements?
What is the main purpose of analyzing a company's financial statements?
What is the primary focus of liquidity analysis?
What is the primary focus of liquidity analysis?
What do financial statements provide information about?
What do financial statements provide information about?
What is the primary objective of financial ratio analysis in evaluating the financial performance of a firm?
What is the primary objective of financial ratio analysis in evaluating the financial performance of a firm?
What type of ratio measures the company's potentiality and performance?
What type of ratio measures the company's potentiality and performance?
What is the purpose of ratio analysis in financial statement analysis?
What is the purpose of ratio analysis in financial statement analysis?
What is the benefit of using ratio analysis in financial statement analysis?
What is the benefit of using ratio analysis in financial statement analysis?
What can be identified through ratio analysis in financial statement analysis?
What can be identified through ratio analysis in financial statement analysis?
What is the main purpose of preparing a statement of cash flows?
What is the main purpose of preparing a statement of cash flows?
What is the primary focus of financial appraisal in a project?
What is the primary focus of financial appraisal in a project?
What is the primary categorization of activities in a statement of cash flows?
What is the primary categorization of activities in a statement of cash flows?
What does a statement of cash flows help financial managers/bankers to identify?
What does a statement of cash flows help financial managers/bankers to identify?
What is the purpose of analyzing a cash flow statement?
What is the purpose of analyzing a cash flow statement?
What is the primary objective of liquidity analysis?
What is the primary objective of liquidity analysis?
What is the importance of evaluating the statement of cash flows?
What is the importance of evaluating the statement of cash flows?
What does the statement of cash flows reveal about a company?
What does the statement of cash flows reveal about a company?
What is the purpose of preparing projected financial statements?
What is the purpose of preparing projected financial statements?
What is the primary focus of cost-volume-profit analysis?
What is the primary focus of cost-volume-profit analysis?
What would a credit analyst analyze to understand how efficiently a firm is managing a tradeoff between tax advantages and bankruptcy costs?
What would a credit analyst analyze to understand how efficiently a firm is managing a tradeoff between tax advantages and bankruptcy costs?
What is a possible implication of a positive net financing cash flow resulting from an increase in equity capital?
What is a possible implication of a positive net financing cash flow resulting from an increase in equity capital?
What does a negative net financing cash flow indicate?
What does a negative net financing cash flow indicate?
What is the impact of excessive borrowing on a firm's financial health?
What is the impact of excessive borrowing on a firm's financial health?
What should be considered in line with business strategy and growth opportunities?
What should be considered in line with business strategy and growth opportunities?
What type of liabilities are Term Loan classified as?
What type of liabilities are Term Loan classified as?
What is the primary purpose of Cash Flow from Operating Activities in a Cash Flow Statement?
What is the primary purpose of Cash Flow from Operating Activities in a Cash Flow Statement?
What is the classification of Office Supplies in the Balance Sheet?
What is the classification of Office Supplies in the Balance Sheet?
What is the purpose of Retained Earnings in the Balance Sheet?
What is the purpose of Retained Earnings in the Balance Sheet?
What type of analysis is used to evaluate a company's liquidity position?
What type of analysis is used to evaluate a company's liquidity position?
What is the primary focus of leverage ratios?
What is the primary focus of leverage ratios?
What does a high Total Liability to Net Worth ratio indicate?
What does a high Total Liability to Net Worth ratio indicate?
What is the purpose of a cash flow statement?
What is the purpose of a cash flow statement?
What is the focus of liquidity analysis?
What is the focus of liquidity analysis?
What is the purpose of financial statement analysis?
What is the purpose of financial statement analysis?
What does a leverage ratio measure?
What does a leverage ratio measure?
What is the purpose of cash flow statement analysis?
What is the purpose of cash flow statement analysis?
What is the focus of financial ratio analysis?
What is the focus of financial ratio analysis?
What does a high debt ratio indicate?
What does a high debt ratio indicate?
What is the primary purpose of leverage ratios?
What is the primary purpose of leverage ratios?
What is one of the reasons why the project failed according to the case study?
What is one of the reasons why the project failed according to the case study?
What was M/s Emerald Oil Industries Ltd. pioneer in doing?
What was M/s Emerald Oil Industries Ltd. pioneer in doing?
Why were banks not allowing the borrower to open a Back-to-Back L/C?
Why were banks not allowing the borrower to open a Back-to-Back L/C?
What is one of the factors that led to the failure of the project?
What is one of the factors that led to the failure of the project?
What was the borrower's behavior described as in the case study?
What was the borrower's behavior described as in the case study?
What is the primary consideration for a bank when finalizing the loan structure?
What is the primary consideration for a bank when finalizing the loan structure?
What is the purpose of analyzing the financial statements of a client?
What is the purpose of analyzing the financial statements of a client?
What is the final stage of the borrower selection process?
What is the final stage of the borrower selection process?
What is the primary focus of the bank when evaluating a client's financial statements?
What is the primary focus of the bank when evaluating a client's financial statements?
What is the purpose of considering the socio-economic aspect of a project?
What is the purpose of considering the socio-economic aspect of a project?
What is the primary objective of a loan proposal?
What is the primary objective of a loan proposal?
What should the content of a loan proposal progressively build during the preparation process?
What should the content of a loan proposal progressively build during the preparation process?
What questions should a loan proposal writer constantly ask themselves during the preparation process?
What questions should a loan proposal writer constantly ask themselves during the preparation process?
What should a loan proposal provide to the lender?
What should a loan proposal provide to the lender?
What should the structure of a loan proposal contain?
What should the structure of a loan proposal contain?
What is the total amount of loan sanctioned in favor of Rahman Knitting and Yarn Processing Ltd in 1992?
What is the total amount of loan sanctioned in favor of Rahman Knitting and Yarn Processing Ltd in 1992?
What is the purpose of the Bangladesh Bank's direction to the bank regarding the loan account?
What is the purpose of the Bangladesh Bank's direction to the bank regarding the loan account?
What is the current status of the sweater unit of the project?
What is the current status of the sweater unit of the project?
What is the borrower's reason for not being able to repay the loan installment?
What is the borrower's reason for not being able to repay the loan installment?
What was the purpose of the additional loan of TK. 45.118 million disbursed in 2004?
What was the purpose of the additional loan of TK. 45.118 million disbursed in 2004?
What is JMI Syringes and Medical Devices Ltd. primarily known for in Bangladesh?
What is JMI Syringes and Medical Devices Ltd. primarily known for in Bangladesh?
What is the total cost of the JMI Syringes and Medical Devices Ltd. project?
What is the total cost of the JMI Syringes and Medical Devices Ltd. project?
What is the status of JMI Syringes and Medical Devices Ltd. currently?
What is the status of JMI Syringes and Medical Devices Ltd. currently?
Which of the following organizations has accredited JMI Syringes and Medical Devices Ltd.?
Which of the following organizations has accredited JMI Syringes and Medical Devices Ltd.?
Which countries does JMI Syringes and Medical Devices Ltd. export its products to?
Which countries does JMI Syringes and Medical Devices Ltd. export its products to?
What is indicated by a positive net financing cash flow, if it is the result of an increase in equity capital?
What is indicated by a positive net financing cash flow, if it is the result of an increase in equity capital?
What does a negative net financing cash flow indicate?
What does a negative net financing cash flow indicate?
What is important for a credit analyst to understand when analyzing cash flows?
What is important for a credit analyst to understand when analyzing cash flows?
What should be taken into consideration regarding capital expenditure?
What should be taken into consideration regarding capital expenditure?
What is essential to understand in analyzing cash flows from financing activities?
What is essential to understand in analyzing cash flows from financing activities?
What is the purpose of financial appraisal in a project?
What is the purpose of financial appraisal in a project?
What is the primary consideration in evaluating national or socio-economic benefits of a project?
What is the primary consideration in evaluating national or socio-economic benefits of a project?
What is the purpose of cash flow statement analysis in financial appraisal?
What is the purpose of cash flow statement analysis in financial appraisal?
What is the focus of cost-volume-profit analysis in financial appraisal?
What is the focus of cost-volume-profit analysis in financial appraisal?
What is the purpose of sensitivity analysis in financial appraisal?
What is the purpose of sensitivity analysis in financial appraisal?
What is the purpose of capital budgeting techniques in financial appraisal?
What is the purpose of capital budgeting techniques in financial appraisal?
What is the focus of Working Capital Requirement assessment in financial appraisal?
What is the focus of Working Capital Requirement assessment in financial appraisal?
What is the purpose of assessing the cost of the project in financial appraisal?
What is the purpose of assessing the cost of the project in financial appraisal?
What is the focus of financial projection and preparation of projected financial statements in financial appraisal?
What is the focus of financial projection and preparation of projected financial statements in financial appraisal?
What is the purpose of analysis of income statement and balance sheet in financial appraisal?
What is the purpose of analysis of income statement and balance sheet in financial appraisal?
What is the primary purpose of conducting credit assessment on a group of companies?
What is the primary purpose of conducting credit assessment on a group of companies?
What is the role of the RM in the credit approval process?
What is the role of the RM in the credit approval process?
What is the primary objective of the Internal Credit Risk Rating System?
What is the primary objective of the Internal Credit Risk Rating System?
What is the purpose of the credit risk rating derived from the ICRRS?
What is the purpose of the credit risk rating derived from the ICRRS?
What is the role of participatory banks in loan syndication?
What is the role of participatory banks in loan syndication?
What is the primary responsibility of the Recovery Unit in each bank?
What is the primary responsibility of the Recovery Unit in each bank?
Who is responsible for approving the Classified Loan Review Report for NPLs up to a certain percentage of the bank's capital?
Who is responsible for approving the Classified Loan Review Report for NPLs up to a certain percentage of the bank's capital?
What is the purpose of the Classified Loan Review Report?
What is the purpose of the Classified Loan Review Report?
What is the primary focus of the Credit Recovery Unit in managing Non-Performing Loans?
What is the primary focus of the Credit Recovery Unit in managing Non-Performing Loans?
What is the role of the Account Manager in the Credit Recovery Unit?
What is the role of the Account Manager in the Credit Recovery Unit?
What should be done as a last resort to recover credit from defaulted borrowers?
What should be done as a last resort to recover credit from defaulted borrowers?
What is the purpose of the Credit Risk Grading (CRG) in the credit appraisal process?
What is the purpose of the Credit Risk Grading (CRG) in the credit appraisal process?
What document is issued by the Credit Administration after credit approval?
What document is issued by the Credit Administration after credit approval?
Who is responsible for monitoring and recovering Non-Performing Loans (NPLs)?
Who is responsible for monitoring and recovering Non-Performing Loans (NPLs)?
What is the purpose of the Internal Credit Risk Rating System (ICRRS)?
What is the purpose of the Internal Credit Risk Rating System (ICRRS)?
What is the primary responsibility of the Credit Administration Department (CAD) after ensuring full compliance with the terms and conditions of approval?
What is the primary responsibility of the Credit Administration Department (CAD) after ensuring full compliance with the terms and conditions of approval?
What is the purpose of the Loan Documentation Check List (LDCL) completed by the Relation Manager (RM)?
What is the purpose of the Loan Documentation Check List (LDCL) completed by the Relation Manager (RM)?
What is the primary focus of the Credit Administration Department (CAD) in relation to security documentations?
What is the primary focus of the Credit Administration Department (CAD) in relation to security documentations?
What is the next step after the customer agrees with the terms and conditions incorporated in the offer letter?
What is the next step after the customer agrees with the terms and conditions incorporated in the offer letter?
What is the primary responsibility of the Relation Manager (RM) in the credit administration process?
What is the primary responsibility of the Relation Manager (RM) in the credit administration process?
What is the purpose of scrutinizing the loan application?
What is the purpose of scrutinizing the loan application?
What is the significance of credit investigation?
What is the significance of credit investigation?
What is the primary concern of the banker before sanctioning credit?
What is the primary concern of the banker before sanctioning credit?
What is the focus of the credit process?
What is the focus of the credit process?
What is the objective of credit risk management?
What is the objective of credit risk management?
What is the primary purpose of the procedural guidelines in a bank's credit operation?
What is the primary purpose of the procedural guidelines in a bank's credit operation?
What is the primary role of the Relationship Management (RM) in a bank's credit operation?
What is the primary role of the Relationship Management (RM) in a bank's credit operation?
What is the primary focus of the credit committee/CRM in a bank's credit operation?
What is the primary focus of the credit committee/CRM in a bank's credit operation?
What is the primary purpose of the credit budget in a bank's credit operation?
What is the primary purpose of the credit budget in a bank's credit operation?
What is the primary focus of the credit operations in a bank?
What is the primary focus of the credit operations in a bank?
What is the primary purpose of the Credit Risk Manual given by Bangladesh Bank?
What is the primary purpose of the Credit Risk Manual given by Bangladesh Bank?
What is the primary role of the head office in a bank's credit operation?
What is the primary role of the head office in a bank's credit operation?
What is the primary purpose of the centralized credit operations in a bank?
What is the primary purpose of the centralized credit operations in a bank?
What is the primary focus of the credit analysis in a bank's credit operation?
What is the primary focus of the credit analysis in a bank's credit operation?
What is the primary purpose of the credit appraisal exercise in a bank's credit operation?
What is the primary purpose of the credit appraisal exercise in a bank's credit operation?
What is the primary objective of Internal Credit Risk Rating System (ICRRS)?
What is the primary objective of Internal Credit Risk Rating System (ICRRS)?
Who is responsible for sanctioning/approving loans?
Who is responsible for sanctioning/approving loans?
What should be used to assess the line of business generating the highest portion of the revenue and/or profit?
What should be used to assess the line of business generating the highest portion of the revenue and/or profit?
What should be used if the borrower is in multiple lines of business and no particular line of business can be singled out?
What should be used if the borrower is in multiple lines of business and no particular line of business can be singled out?
What is the primary function of Internal Credit Risk Rating System (ICRRS)?
What is the primary function of Internal Credit Risk Rating System (ICRRS)?
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