credit banking

1

• ?/ ???? ??? ?????? ???

First Edition ????? ?????

• ?????? ??????? ?????? ??????

2
????? ??????? ??????? Reading Financial
Statements ????????? ???????? ?? ????? ?? ???????
??????? ???????? ???? ???????? ????????? ??????
??????? ??????? ?????? ???????? ??????? ????????
?????? ?? ????? ?????? ????? ???????? ????????
?????? ???? ?????????? ????? ???? ??? ?????????
???????? ??? ???? ????? ?????? ?????? Statement
of Financial Position . ??? ??? ????? ???????
???????? ?? ?? ????????? ???????? ?????? ?????.
3
????? ???????? ???????Cash Flow Statement

• ????? ?? ????? ??? ????????? ?????????? ???????
  ?????? ??????? ???? ???? ?????, ???????? ??
  ?????? ?????? ??????? ?? ???? ??? ????? ???? ???
  ??? ?????? ?? ???? ???????? ??? ???? ??????????
  ?????? ??? ????? ?????? ???????? ?????????
  ?????????? ..???. ??? ?? ???? ????? ?? ???
  ??????? ?? ????? ????? ????? ?????? ???????
  (??????? ????????) ???? ???. ?????? ??????? ????
  ??????? ?????? ?????? ????????? ?????? ?????
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  ???????? ???? ????? ?????? ??? ? ??? ????? ?????
  ??? ????????? ???????? ?????? ???? ???? ????
  ?????? ???????.

4

• ????? ??????? ??????? ??????
• Lending Risks Financial Analysis
• ??????? ?????? ?? ????? ?????? ?????? ????????
  ??????? ?? ????? ????? ???? ???? ???????? ??
  ????? ???????? ??????? ????????????? ??? ???
  ??????? ??????? ?????? ?????? ???? ????? ???
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  ????? ??????????? ????????? ???? ????? ???????
  ?????????? ??????? ???????? ??? ????????? ????.

5
????? ?? ????? ????? Financial Institution ????
?????? ????? ?????? ?? ???? ????? ?? ????? ??????
??????? ??? ??????. ??? ???? ????? ????? ???????
?? ???????? ???? ????? ????? ????? ???? (????
??????? Deposit Acceptance) ????? ??????
????????? ???? ????? ????? ????? ???? (???
???????? Credit Approval), ?????? ????? ?????
????? ??? ???? ?????? ??? ?? ?????? Hedging ???
?????? ????? ?????? ??? ??????? Risks ?? ?? ?????
???? ????? ??????? ??????? ?????? ????????
Depositors ???????? ??? ??????? Interest ??????
????? ??? ?????? ???? ??? ??????? .

• ???????? ???????
• Credit Banking

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• ?????????? ????????? Letter of Credit
• ?? ???? assurance ????? ???? ?? ??? (????
  ??????) Issuing bank ???? ??? ??? ???????
  Applicant ( ???? ????? ?? ????? ) ????? ??????
  (????????) Beneficiary. ?????? ????? ??????
  ??????? ?? ???? ???? ???? ???? ???? ????? ???
  ????? ?????? ??????? ?????? ???? ?? ???? ??????
  ???????? ???? ????????.
• ?????? ?????? Letter of Guarantees
• "????? ?? ???? ????? ???? ?? ????? ???? ??? ???
  ?????? ????? ??? ??? ( ????????) ????? ??? ????
  ?????? ????? ?????".

7
????? ?? ????? ???????? An Overview to Project
Finance ???? ??? ??????? ????? ???? ??? ?????
??????? ?????? ??????? ????????? ??? ?????
?????????? ????? ??????. ??? ????? ?? ????
??????? ??? ????? ????? ???????? ?????? ? ???
?????? ?????? ??????? ?????? ???????? ????????
????? ??????? ????????. ??? ????? ??? ????????
?????? ????? ???? ?? ??? ????? ?? ?? ?? ???????
???????? ????????? ???? ??????? ??????????.
8

• ?????? ????????
• An Overview to Syndicated Loans
• ????? ??????? ?? ???? ??????? ??? ???? ????? ??
  ???? ?? ?????? ??????? ?? ????? ??? ?? ?? ??????
  ????? ??????? ?????? ???????. ?????? ?????
  ??????? ?? ????? ?????? ????? ?????? ????? ?????
  ?????????? ?????? ????? ???? ?????? ????? ???
  ????? ?????. ???? ?????? ???? ??? ??????? ??????
  ??????? ???????. ?????? ????? ??????? ?????? ??
  ??? ????? ??????? ?????? ??? ?? ??????? ????
  ???????.

9
????? ??????? ?????????? Risk Assessment

• ??? ???? ???? ??????? ???? ?? ??????? ??????? ??
  ???? ?? ????? ?????? ?? ?? ?? ????? ????? ???????
  ???? ???? ?? ??? ????? ??? ??????? ?????? ?????
  ?????? ???? ?????? ??????? ??????? ?????? ???
  ?????? ??? ??????????? ?????????? ??? ?? ????
  ???? ??????? ????????? Credit Rating. ??????
  ??????? ????????? ??? ??????? ??????? ??????
  ????????? ?? ?????? ?? ??????? ?????? ?? ?????
  ?????? ????????? ?? ??????????. ??? ???? ???????
  ????????? ?? ??????? ?????????? ?? ??? ????? ????
  ??? (????? ?????? ???????? ???? ???? ??????
  ..???) ????? ????? ??? ?????? ???? ??????? ???
  ??????. ????? ??????? ?? ?????? ???? ??? ?????
  ?????? ?????????? Creditworthiness ???? ???? ???
  ??? ?????? Obligor ?? ?????? Issuer. ????? ???
  ???? ???????? ??? ??????? ????????? ??????? ?
  ?????? ???????? ?? ???????? ???? ?? ???????
  ?????? ?????? ??????? ???????.

10
?????? ????????? ??????? Cash Flow
Projection ???? ???? ???? ????? ?????????
?????????? ???? ?? ??? ??????? ???????? ??
????????? ??? ???? ??? ????? ????? ?? shortfall
?? ??????? surplus ?? ??? ??????? ?????????
???????? ??? ?????? ?????????? ???? ????? ?? ???
??? ?? ?? ???. ???? ?? ?????? ????????? ???????
???? ???? ?????? ??? ??? ??????? ????????
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??????? ??? ??? ?? ?????? ??? ??? ??????? ????
???? ????? ?? ?????? ?? ??????? ????? ????? ?????
????? ???????? ????? ?? ?????? ?????? ?? ???????.
11

• ????? ?????????
• Business Assessment
• ???? ????? Risk taking ?? ?????? ??????? ??????
  ????? ?????? ?????? ?? ??????? ??? ???? ??? ?????
  ?????? ?? ??? ??????? ????????.
• ??? ???? ?????? ?? ????? ??? ????? ??? ?????? ???
  ???????? ???? ?????? ??? ?? ????? ???? ???? ??
  ???? ???? ???????? ??????? ???? ?? ????? ??????
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  ??????? ??? ????? ?????? ???????. ??? ???? ????
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  ?? ????? ?? ???? ?? ??????? ??? ????? ??????? ??
  ??? ??????? ?? ?????? ????????.

12

• ????? ?? ???????
• amrbary44_at_gmail.com