Spreadsheet: 870302d1716841036-can-anyone-tell-what-mistake-i-am-doing-in-my-formulas-given-in-the-sample-file-sample-file
Sheet: Table 33

कार्यक्रम PROGRAM |  |  | गहन ऋण प्रबिंधन चरण I INTENSIVE CREDIT MANAGEMENT PHASE I (ICMP 1) | PROG CODE
 |  |  |  | IT 775
तर्षर् समूह/SUBJECT GROUP |  |  | CREDIT
उद्देश्य/OBJECTIVE |  |  | TO IMPART ANALYSIS AND APPRAISAL SKILLS FOR HANDLING LOANS/ADVANCES
लतक्षि समूह/TARGET GROUP |  |  | SCALE I, II & III
अर्तध/DURATION |  |  | 2 WEEKS (11 DAYS)
DAY | SESSION | CONTENTS
Day 1 | I | Entry test on candle platform, Inauguration and Knowledge Profiling Over  view  of  Credit,  Present  Economic  Scenario,  Overall  Macro Economic  View,  [NAME]  faced  by  banks  in  lending,  Credit requirements of various sectors of economy
 | II | Types  of  Borrowal  Customers  -  Proprietorship  firms,  Partnership firms,  Companies  incorporated  under Companies  Act  (Private Ltd. and  Public  Ltd.),  Trusts;  [NAME];  SHG,  JLG,  Limited  Liability Partnerships; Basic Law and Legal aspects governing each type of borrower entity; Credit facilities to SC/ST Beneficiaries.
 | III | Legal  aspects  on  banking:  Limitation  Act,  Stamp  Acts,  Indian Contract  act  and  [NAME]  of  Property  Act  specific  reference  to Mortgage transactions.
 | IV | Lending Norms: Identification of borrowers; Customer Due Diligence (KYC  &  AML  guidelines);  CRILC,  Borrower’s  profile,  Pre-sanction visits,  Reports  from  Credit  Information  companies  (CIBIL,  CRIF, Experian,   Equifax),   [NAME]   caution   list   with   Details,   Credit Investigation Report (NF 588), Opinion Letter, ROC Search report, CERSAI Search Report and other market enquiries. MCA 21
Day 2 | I & II | Credit Policy and DOP,MSME Policy, Thrust & Non Thrust Areas, [NAME], Group Concepts, Takeover Norms Etc
 | III & IV | Legal aspects of Documentation (Assistance from the Legal Cell may be taken)
Day 3 | I to IV | Financial  statements,  Classification  of  CA  &  CL  (  Case  lets  and Discussion), Ratio Analysis
Day 4 | I & II | Fund Flow and Cash Flow Statements (Preparation and Analysis) with the help of Case Studies
 | III& IV | CMA Preparation & Analysis with the help of Case Studies
Day 5 | I to IV | Assessment of working Capital (All methods/Case Study In Groups)
Day 6 | I & II | Term [NAME] – All Aspects, Financial, Technical & Commercial (profitability   statement,   projected   balance   sheet   ,   cash-flow estimate , BEP, margin of safety , Debt equity , DSCR , FACR & other ratios
 | III & IV | Case   study   on   Technical,   commercial   &   financial   appraisal Discounted cash flow technique – NPV & IRR
Day 7 | I to IV | Case study on Agriculture Term loans (Preparation of Project Report and analysis)
Day 8 | I & II | Non  fund  based  Limits  -  Introduction   &  Assessment  to  Letter  of Credit and Bank Guarantee,   Solvency and Capability Certificates, Application and Issuance,
 | III & IV | Preparation of Office Note-Critical Aspects
Day 9 | I & II | Export  credit  (other  than  bills)-Pre-shipment  credit  in  INR  &  FC, clean  packing  credit,  advances  against  duty  drawback.  Exports  - FEMA Guidelines & Miscellaneous provisions [NAME], [NAME], Discount   &   Negotiations,   Rupee   Advances,   [NAME]   bill   for collection, Export of software etc.
 | III & IV | Documentary  L/C  -  Mechanism/Types  Brief  of  INCOTERMS  2020  & Important articles of UCP 600, SBLC
Day 10 | I | CP-CFT operational overview
 | II | Practical   session   (on   case   studies)   on   establishment   of   LCs, Negotiation of LCs, Document received for collection with special focus on FEMA, RBI guidelines & Forex manual.
 | III | ECGC guidelines, polices and guarantees with procedures
 | IV | Credit  Monitoring  &  Recovery,  Rehabilitation  and  Restructuring Mechanism
Day 11 | I | Group  Discussion  on  Asset  and  Liability  Products  of  the  Bank; Bancassurance and Cross Selling, Data Analysis through DNA
 | II | Motivation, Leadership & Customer Relationship
 | III | Implementation   of   OL,   Prevention   of   Sexual   Harassment   at Workplace, Compliance Culture
 | IV | Exit Test, Valediction & Feedback