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............................................................................................................................DescriptionSince the publication of the first edition of this book in the year 1998, there has been a sea change in the Indian Commercial Banking and Development Banking Scenario. The once famed trinity of All India Financial Institutions viz. IDBI, ICICI as well as IFCI have a different look today than what they were in the last decade. Universal Banking is a reality with institutions serving all sorts of clients under one roof. The commercial banks too are innovating with different products and concepts. Though still sector specific institutions like NABARD, Exim Bank, SIDBI and National Housing Bank continue to play their role, commercial banks have a much larger field than what they had many years back.This book is divided into the following divisions:The first division deals with the introductory aspects of credit. The second division is about the Universal Banks viz. IDBI and ICICI and Sector Specific Institutions e.g. SIDBI, Exim Bank as well as Specialised and State Level Institutions. The third division deals with the credit dispensation by the Banks. The next division deals with lending to specific sectors including the Priority Sector and lending for the Export Trade and the last division deals with certain general matters like loan documentation, securitisation and recovery of debts, etc. This book should be a useful referencer for borrowers as well as practitioners of bank borrowing who deal with banks on behalf of their clients.............................................................................................................................ContentsDivision I – GeneralChapter 1. Introduction to BorrowingsChapter 2. Financial Statements of Borrowers — Analysis and InterpretationChapter 3. Components of CostChapter 4. Ratio AnalysisDivision II – Appraisal of Term LendingChapter 5. Appraisal of Long-term Requirement of FundsChapter 6. Industrial Development Bank of India LimitedChapter 7. ICICI Bank LimitedChapter 8. Export Import Bank [EXIM Bank]Chapter 9. Small Industries Development Bank of IndiaChapter 10. State Level InstitutionsChapter 11. Other Financial InstitutionsChapter 12. Post Sanction and Loan Documentation Procedures — Financial InstitutionsChapter 13. External Commercial BorrowingsDivision III – Lending by Banks to Large UnitsChapter 14. Lending by BanksChapter 15. Assessment of Working Capital RequirementsChapter 16. Regulatory framework related to lending by banks — Tandon, Chore and Kannan CommitteesChapter 17. Consortium LendingChapter 18. Infrastructure FinancingChapter 19. Commercial PaperChapter 20. Loan System for Delivery of Bank CreditDivision IV – Lending by Banks to Specific UnitsChapter 21. Export FinancingChapter 22. Small Scale Industrial Units and SME SectorChapter 23. FactoringChapter 24. Priority Sector LendingChapter 25. Bank Finance to Leasing and Hire-purchase Companies and Banks' Leasing BusinessChapter 26. Lending to Software IndustryDivision V – Some General MattersChapter 27. Credit Rating & Its Relevance to FinancingChapter 28. Bank Credit and Sick UnitsChapter 29. Recovery of Debts and SecuritisationChapter 30. Retail LendingChapter 31. Miscellaneous AdvancesChapter 32. Non-fund Based Facilities from BanksChapter 33. Loan Documentation of Commercial BanksChapter 34. Banking Ombudsman Scheme, 2002Subject Index............................................................................................................................Author DetailsMr. T.R. Ramamurthy, B.Com., PCS, CAIIB, Dip. in Management, aged 52 years, is in active practice as a Company Secretary based at Delhi for the last about ten years. Prior to that he was in employment as Company Secretary for about fifteen years and was associated with Bareilly Corporation Bank Limited for about seven years and other companies in the private sector. Mr. Ramamurthy has specialised in Corporate Finance, Secretarial practice as well as in foreign exchange matters. Mr. Ramamurthy has also authored books on FEMA and Money Laundering brought out by the same publishing house.............................................................................................................................
