Highlight of Credit Analysis

Objectives:
* To understand the fundamentals of credit
* To learn  The Essential of Financial Statements and Financing Needs

Certificate of completion (supplied by PasarTrainer)

Training Material

Overview of Credit
* What is Credit
* Credit Segmentation & Product Type
* Characteristics of Credit Segmentation
* Distribution-Channel, Digital transformation & Lending Business
* Credit Process in a bank

The Essential of Credit Analysis
* 5Cs- Basic Concept of Credit Analysis
* Credit Analysis Framework
* Data for Credit Analysis and SLIK

Credit Quality and Bank Performance
* OJK’s rating and Credit Quality
* Credit Quality and Financial impact to a bank


1. Fundamental of Credit

* Overview of Balance Sheets and Income Statements
* Balance Sheets and Its Main Accounts
* Income Statement and Its Main Accounts
* Rational of Borrowing needs:
  1.  Working Capital 
  2. Capital Expenditure
