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Bank Lending
Undergraduate | CUR-BAN22 | 2023
Course information for 2023 intake
Tally the factors that relate to credit risk assessments and bank lending practices. Explore the main activities of banks whilst getting an overview of their organisational structure. Define risk as it relates to lending and credit culture.
- Study method
- 100% online
- Assessments
- 100% online
- Entry requirements
- Prior study needed
- Duration
- 13 weeks
HECS-HELP and FEE-HELP available
Bank Lending
About this subject
At the completion of this subject students will be able to:
- apply constructive lending practices with due consideration of appropriate forms of finance, loan pricing, collateral types and the interactive relationship between different banking activities, structures and risks
- apply knowledge of credit risk assessment principles and processes to conduct proficient credit risk assessment
- analyse lending portfolio information to detect intrinsic and concentration credit risk and to make reasoned judgement that is appropriate to the circumstances
- create constructive lending solutions and loan portfolio management
- evaluate the practices of Islamic banks and conventional banks in terms of lending principles and different forms of finance
- The role, main activities and organizational structures of banks
- Major bank risks and essential components of credit risk management
- Loan pricing
- Regular forms of finance and different forms of collateral
- Principles that banks apply when dealing with credit applications and assessment of consumer credit applications
- Understanding and interpreting the financial statements of businesses
- Assessment of business credit applications
- Loan account management and analysing loan portfolio information
- Loan loss provision transfer methods
- Islamic bank lending
This subject was previously known as BAN22 Lending.
This subject addresses the sphere of aspects that are related to the proficient credit risk assessment of consumers and businesses from a banking perspective. The content includes the role, main activities and organisational structures of banks; essential components of credit risk management; and the principles and process of dealing with credit risk assessment. Students are also familiarised with Islamic bank lending conducted by Sharia banks.
Please Note: If it’s your first time studying a Curtin University subject you’ll need to complete their compulsory ‘Academic Integrity Program’. It only takes two hours to complete online, and provides you with vital information about studying with Curtin University. The Academic Integrity Program is compulsory, so if it’s not completed your subject grades will be withheld.
Find out more about the Academic Integrity module.
- Case study – Credit risk assessment of consumers and businesses (25%)
- eTest (25%)
- Assignment (50%)
For textbook details check your university's handbook, website or learning management system (LMS).
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Entry requirements
Prior study
You must have successfully completed the following subject(s) before starting this subject:
Others
You will need knowledge of accounting to work out financial ratios.
Additional requirements
No additional requirements
Study load
- 0.125 EFTSL
- This is in the range of 10 to 12 hours of study each week.
Equivalent full time study load (EFTSL) is one way to calculate your study load. One (1.0) EFTSL is equivalent to a full-time study load for one year.
Find out more information on Commonwealth Loans to understand what this means to your eligibility for financial support.
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