Assignment on Loan Administration Department Submitted to: Md. Ariful Islam Lecturer‚ Lending Risk & Credit Analysis Department of Banking University of Dhaka Submitted by: Shakila Parvin ID# 002‚ Batch #15 Department of Banking
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PERSONAL INTEREST Every profession has sacred principles or ethics governing its operation or activities. Banking is no exception. Some of these principles defining sound banking behaviours are; 1. control mismatch between assets and liabilities 2. know your counterparty 3. expand cautiously into unfamiliar activities 4. avoidance of undue concentration of loans to a single activity‚ individuals and group But in a situation where banks all over the world are found wanting in terms
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DECLARATION I‚ Vipin Upreti student of MBA 4thSemester‚ of IIMT management college Meerut hereby declare that the Research Project Report title as " LOAN SCHEMES AND CAR RECOVERY PROCEDURE OF H.D.F.C. BANK" is the outcome of my own work & I also declare that this report is my original work and no part of this has been published or submitted to anybody or any university by any one for the award of any other degree/ diploma. Vipin Upreti
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analysis which calculate the creditworthiness of a business by the bond portfolio manager. The analysis seeks to identify the appropriate level of default risk when a bank provides a lending to the business or individual (Credit Analysis ‚ n.d.). According to Weerasooriya‚ the three basic principles that lead to lending decision are safety of loan‚ suitability of loan purpose and profitability. The first principles is the safety of loan which refers to how safe is the loan if the financial institutions
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In everyday lending transactions the use of the direct method (ultimate savers and borrowers dealing directly with each other) is uncommon. It has now become widely accepted that the existence of financial intermediaries actually makes direct contact unnecessary. It is true that if savers and borrowers dealt directly with each other then it would remove costs associated with using an intermediary. However‚ the direct method is an expensive and inefficient method of lending as it gives rise to
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Cash Connection Payday Loans Strategy‚ Ethics and Forces 1. What is Cash Connections strategy? * Differentiate itself from competitors to gain the largest piece of the $40 billion dollars of paid lending that the United States industry has to offer‚ while adhering to government restrictions and meeting customer’s needs. Reference: Thompson‚ Peteraf‚ Gamble‚ and Strickland. P. (2010). Crafting and Executing Strategy: The Quest For Competitive Advantage Concepts and Cases (18th ed
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what this topic is about. First of all‚ let us start by defining some important terms: - Money: According to Aristotle‚ “money is just a simply instrument of measure‚ relating the value of two goods to each other.” - Interest: Premium asked for lending money - Usury: Charging excessive interest on loans - Bank: Financial institution that makes money savers and borrowers meet by acting as an intermediary. - Religion: A collection of belief systems‚ cultural systems‚ and world views that relate
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Cash Connection: Are its Payday Lender Strategy and It’s Business Model Ethical? Cash Connection is a pay day advance short-term lending company‚ offering quick cash for people who might not always have cash readily available. Other services Cash connection provides include check cashing‚ bill payment services‚ prepaid phone cards and money orders. 1. What is Cash Connection’s Strategy? Which of the Five generic competitive strategies discussed in Chapter 5 most closely fits the competitive approach
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Dharma Vihar‚ Khandagiri square‚ Bhubaneswar‚ Orissa‚ 705030‚ 4. Line of Activity : Microfinance (on lending to SHG) 5. Present Banker : Allahabad bank‚ BOI‚OBC‚SIDBI‚SBI‚HDFC‚DCB‚ IDBI‚Dena ‚ Canara ‚ UCO
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service where customers can distribute the cost of items bought online over three monthly installments in return for an upfront payment. Through its operations Wonga’s retained profits are equivalent to approximately 5 pence on every pound it is lending. It lent £1.16 billion in the UK last year; up with the number loans granted standing at 3.8 million in the UK‚ currently Wonga caters to more than one million people in the UK. Wonga remain committed strengthening their balance sheet. In 2012‚ they
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