CREDIT ANALYSIS
---------------------------------
2 (Two) Days Training.
Speaker: Gerald Abraham
Date: 26-27 April 2006
Venue: Jakarta International Club, Wisma Kota BNI Building
Arranged By Temerity Consulting
OVERVIEW
---------------------------------
Indonesian banking sector has experienced severe downfall in 1997,
following the Indonesian currency titanic decline which has caused massive bad
debt in the banks and the collapse to almost all banks including few largest
state-owned and private banks. This catastrophic has taught us that corporate
good governance practice and in-depth knowledge of credit worthiness assessment
including comprehensive credit analysis and risk assessment are keys to a sound
bank management.
Credit analysis is an essential part of the lending process. This seminar is
a two-day course designed to address the needs of beginning credit analysts and
to reinforce the credit skills of current credit analysts. The objective of
this course is to provide credit analysts with analytical skills that can be
put to immediate use upon their return to the bank. Key emphasis is on
identification and evaluation of the primary and secondary sources of
repayment, analysis of qualitative and quantitative issues, determination of
key credit risks and mitigating factors, and communicating the results of the
analysis. The seminar also focuses on business, industry and management risk,
and encourages learners to look beyond the financial ratios to evaluate overall
credit risk using a case study approach.
DESIGNED FOR
---------------------------------
This seminar is designed for credit analysts, credit officers, commercial
loan officers or managers, loan review officers, research analyst and branch
managers. Participants should have a general understanding of accounting and a
basic understanding of financial statements and credit analysis.
KEY OBJECTIVES
---------------------------------
After attending this seminar, participants will be able to:
§ Understand a comprehensive framework of corporate credit analysis
§ The relationship between financial and non-financial factors in the
credit analysis process
§ Understand the various types of financial statements and be able to
identify the components of financial statements including the balance sheet,
income statement, statement of cash flows, and reconciliation of net worth.
§ Understand how to read the notes to financial statements and
identify latent notes which may have a major financial impact on the operating
performance of credit.
§ Understand how to spread the financial statements consistently and
perform ratio analysis so that trends can be identified.
§ Understand how to perform a detailed cash-flow analysis by
calculating the sources and uses of funds from one accounting period to
another, including calculation of companys free cash flow and dept capacity.
§ Understand how to prepare financial projections based upon
assumptions provided by the borrower, then to test those assumptions by
utilizing sensitivity analysis.
§ Understand how to identify factors which may impact the ability to
repay debt obligations and to document the finding in a written credit-analysis
memorandum.
§ Overview corporate warning signs and how to avoid past mistakes
credit ratings, other market views of risk, structuring facilities and group
lending.
§ Overview corporate and debt restructuring process in the case of
default and corporate action due to companys insolvency including management
of lending problem
TOPICS
---------------------------------
§ The Principle of Lending
§ Business and Industry Risk, Non-Financial Assessment Understanding
The Business
§ Evaluating Management
§ The 4 Cs of Credit Analysis
§ Understanding The Accounts and Creative Accounts Issues and
Contingent Liability
§ Financial Statement Key Ratios Analysis
§ Measuring Profitability
§ Assessing Source of Liquidity
§ Assessing Financial Leverage
§ Evaluating Cash Flow, Projection and Repayment Ability
§ An Overview of Structuring Facilities and Security
§ Corporate Warning and Avoid The Past Mistakes
§ Credit Rating & Other Market View of Risk
§ Management of Lending Problem
§ An Overview of Corporate & Debt Restructuring; Problem and Options.
SPEAKERS BACKGROUND
---------------------------------
Speaker has extensive 12 years experience working with multinational
companies in Indonesia in the field of corporate finance and investment where
he led many investments, corporate and debt restructurings projects of total
approx USD 1.5 billion assets. He graduated from ITB majoring in Mathematics,
earned Investment Manager Certificate and other professional certificates.
SPEAKERS RELATED PROJECT EXPERIENCE AS A PROJECT LEADER
---------------------------------
· Constructed and closing complex settlement and refinancing
agreement with shareholder of Bank Umum Nasional (BBO/frozen bank) of Ongko
Group with shareholder liability amount of over USD 1 billion (approximately Rp
10 trillion). The settlement and refinancing agreement includes financial &
legal due diligence, valuation, debt restructuring, asset management
(monitoring) and asset disposal of over 50 companies and plenty of property and
land owned by Ongko Group.
· Constructed and closing complex settlement and refinancing
agreement with shareholder of Bank Hokindo (BBO/frozen bank) of Hokindo Group
with shareholder liability amount of over USD 40 million (approximately Rp 350
billion). The settlement and refinancing agreement includes financial & legal
due diligence, valuation, debt restructuring, asset management (monitoring) and
asset disposal of over 20 companies and plenty of property and land owned by
Hokindo Group.
· Constructed and closing complex settlement and refinancing
agreement with shareholder of Bank Dharmala, Bank Intan, Bank Putera and Bank
Bumi Raya (BBKU/frozen bank) The settlement and refinancing agreement includes
financial & legal due diligence, valuation, debt restructuring, asset
management (monitoring) and asset disposal of over 50 companies and plenty of
property and land owned by each shareholders and estimated total asset value of
USD 2 billion (approximately Rp 2 trillion).
· Debt restructuring of Keramika Indonesia Assosiasi (KIA) group
companies of loan amount of USD 350 million (approximately Rp 3 trillion).
· Debt and corporate restructuring of others companies owned by Salim
Group, Sinivasan Group, Dharmala Group, Bumi Raya Group and Bob Hasan Group
with estimated total asset value of USD 300 million (approximately Rp 2,5
trillion).
· Managing and monitoring asset of portfolio of USD 50 million (fund
management) comprises primarily public companies listed in JSX Indonesia. The
management includes valuation and advisory.
OTHERS
---------------------------------
Fee for each participant is IDR 3,200,000 (excluding VAT 10%) including lunch
and coffee breaks. The Seminar is designed with more study cases, analysis,
argumentation, and interaction between participants to ensure all participants
would understand every topic comprehensively.
REGISTRATION
---------------------------------
Temerity Consulting
Wisma 46 Kota BNI, Jalan Jend Sudirman Kav 1, Jakarta 10220
Ph: 62-21-574-8857,
Fax: 62-21-574-8823, Email:
[EMAIL PROTECTED]
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