Bankers Guide

Introduces practical approaches for optimizing management and hedging of Interest Rate Risk in the Banking Book (IRRBB) driven by fast evolving regulatory landscape and market expectations. Interest rate risk in the banking book (IRRBB) gained its importance through the regulatory requirements that have been growing and guiding the banking industry for the last couple of years. The importance of IRRBB is shifting for banks, away from ‘just’ a regulatory requirement to having an impact on the overall profitability of a financial institution. Interest Rate Risk in the Banking Book sheds light on the best practices for managing this importance risk category and provides detailed analysis of the hedging strategies, practical examples, and case studies based on the author’s experience. This handbook is rich in practical insights on methodological approach and contents of ALCO report, IRRBB policy, ICAAP, Risk Appetite Statement (RAS) and model documentation. It is intended for the Treasury, Risk and Finance department and is helpful in improving and optimizing their IRRBB framework and strategy. By the end of this IRRBB journey, the reader will be equipped with all the necessary tools to build a proactive and compliant framework within a financial institution. Gain an updated understanding of the evolving regulatory landscape for IRRBB Learn to apply maturity gap analysis, sensitivity analysis, and the hedging strategy in banking contexts • Understand how customer behavior impacts interest rate risk and how to manage the consequences Examine case studies illustrating key IRRBB exposures and their implications Written by London market risk expert Beata Lubinska, Interest Rate Risk in the Banking Book is the authoritative resource on this evolving topic.

This work explains what constitutes an ultra high net worth individual and how to provide financial services to these wealthy individuals.

An extraordinary and amazingly simple book that teaches you how to save at least tens of thousands of dollars when you prepay your mortgage, The Banker's Secret offers about forty pages of simple-to-follow text and loads of helpful charts.

Detailed, actionable guidance for expanding your revenue in the face of a new virtual market Written by industry authority Charles H. Green, Banker's Guide to New Small Business Finance explains how a financial bust from one perfect storm—the real estate bubble and the liquidity collapse in capital markets—is leading to a boom in the market for innovative lenders that advance funds to small business owners for growth. In the book, Green skillfully reveals how the early lending pioneers capitalized on this emerging market, along with advancements in technology, to reshape small company funding. Through a discussion of the developing field of crowdfunding and the cottage industry that is quickly rising around the ability to sell business equity via the Internet, Banker's Guide to New Small Business Finance covers how small businesses are funded; capital market disruptions; the paradigm shift created by Google, Amazon, and Facebook; private equity in search of ROI; lenders, funders, and places to find money; digital lenders; non-traditional funding; digital capital brokers; and much more. Covers distinctive ideas that are challenging bank domination of the small lending marketplace Provides insight into how each lender works, as well as their application grid, pricing model, and management outlook Offers suggestions on how to engage or compete with each entity, as well as contact information to call them directly Includes a companion website with online tools and supplemental materials to enhance key concepts discussed in the book If you're a small business financing professional, Banker's Guide to New Small Business Finance gives you authoritative advice on everything you need to adapt and thrive in this rapidly growing business environment.

The 'Bankers' Handbook on Credit Management' is developed to address the unique skill requirements of banking professionals in managing credit portfolios. This book offers insights into the credit function, supplemented by practical examples, a rundown of regulatory guidelines, etc. The focus areas of this handbook revolve around the credit operations of commercial banks and delve into: • An Introduction to and Overview of Credit • Analysis of Financial Statement • Working Capital Management • Other Credits • Monitoring, Supervision/Follow-up, and Management of Impaired Assets Emphasis is placed on real-world applications of credit management concepts and functions. To ensure the reader is well-equipped with the latest knowledge, this book incorporates the recent developments and guidelines in the field. This book is not only the recommended courseware for the IIBF's 'Certified Credit Professional Course', recognized by the Reserve Bank of India & Indian Banks Association for enhancing the skills of banking professionals, but also an invaluable asset for anyone intrigued by the nuances of bank credit functions within India. The Present Publication is the 3rd Edition, updated by P.D. Sankaranarayanan (Former Assistant General Manager – State Bank of India) and vetted by D. Srinivasan (Former Deputy General Manager & Faculty | Training College – Indian Bank). Taxmann exclusively publishes this book for IIBF with the following coverage: • Module A – Introduction & Overview of Credit o Principles of Lending o Credit Policy o Types of Borrowers & Types of Credit Facilities o Credit Delivery o Credit Appraisal o Credit Rating o Capital Adequacy (Credit Risk – Standardized Approach & Advanced Approached) § Probability of Default § Exposure at Default § Loss Given Default o Importance & Application of RAROC (Risk Adjusted Return on Capital) • Module B – Analysis of Financial Statements o Analysis of Financial Statements o Non-financial Risk Analysis & Macroeconomic Factors o Project Appraisal/Term Loan Appraisal o Credit Risk Analytics & Credit Scoring Models • Module C – Working Capital Management o Working Capital Assessment (including Factoring, Bill Financing, etc., as Sub-limits) o Non-Fund-Based Credit Facilities • Module D – Other Credits o Export Finance o Priority Sector Lending/Government Sponsored Schemes/NABARD Schemes o Retail Loans o Forward Exposure Limit & Pre-settlement Risk o Structured Finance Options o Alternative Source of Funding o Digital Finance-P2P Lending via FinTech o Green Finance • Module E – Monitoring, Supervision/Follow-Up & Management of Impaired Assets o Documentation o Types of Charges o Follow-Up, Supervision & Credit Monitoring § Periodic Scrutiny of Exception Reports § AI/ML Based Analytics Tools to Analyze the Transaction to Predict 'Likely to Default' o Resolution of Stressed Assets o Fair Practices Code on Lender's Liability o Insolvency & Bankruptcy Code (IBC), 2016 [including all Amendments & Top Five Judgements] o Fraud Risk Management in Credit § Early Warning Signals [Annexure 16/3 of Current Book] § Red Flagging of Accounts § Identification & Reporting of Fraud § Forensic Audit § Wilful Defaulters § Non-cooperative Borrowers § Fugitive Economic Offender § Look Out Circular § Criminal Offenses and Investigative Agencies

Insider guidance to the modern world of investment banking today In Investment Banking Explained, Wharton professor and globalfinancier Michel Fleuriet provides a complete overview ofinvestment banking in its modern form; defines key terms; identifiesstructures, strategies, and operational aspects; and analyzesthe strategy in each of the main functional areas of aninvestment bank.

This book is a valuable possession not only for those in the service of Bank, but also for those in business in general. The author has brought into limelight the much needed aspect of banking which is often ignored in the present set up. Many simple and practical tips are given to the bankers which can result in rich dividends. Written in a personal narrative style, the book is easy and pleasurable to read and understand. Mr. S.V. Hussain has to be commended for illuminating the readers in the area of customer service of Banks. Dr. B.A. PRABHAKAR BABU, Professor in Phonetics & Spoken English (Retd) English & Foreign Languages University, Hyderabad, Andhra Pradesh.