Loan Policy and Principles of Bank Lending
Priority Sector
Non-Fund Based Finance − Letter of Credit
Reserve Bank of India`s Observations on Banks Credit Sanctions
Glossary (In-basket Exercise)
Case Studies

Economic reforms which the country has been witnessing for over the last one and half decades have radically transformed the operational environment of the banking industry. With competition as a driver and a key to success in the sector, bankers have no option except to locate new businesses, products and services. Innovations in Bank Credit have become the order of the day to attract new clients and protect existing ones. With deregulation of the banking sector, opportunities alone have not come about, but also risks associated with such opportunities have increased enormously. Therefore, a thorough understanding of the essentials of bank credit is indispensable for the credit to remain performing and the bank to stay ahead in business. An attempt is made in the book to give the reader knowledge on bank credit, right from what it is to how it should be delivered. The book contains case studies and in-basket exercises which make the reader to analyze practical situations involving bank credit. The book intends to meet the requirements of the students of Master of Business Administration, Banking and Finance Course of different Indian Universities and the practicing professionals in the banking sector.