spot_img

IIBF Certified Credit Professional | Principles of Lending | Chapter 1 [FREE EPDF]

🔍 Ever wondered how banks manage your deposits and provide loans? Or why some loans have higher risks than others? If you’re preparing for CCP Certification or just curious about how banking works, you’re in the right place! ✅

In this video, we’ll discuss:

  • ✔️ The fundamental role of banks in the economy 📊
  • ✔️ Different types of bank deposits – Savings, Fixed, Recurring, and more! 💰
  • ✔️ How banks lend money and why it’s risky 🏦
  • ✔️ Risk management techniques banks use to protect themselves 🛡️
  • ✔️ Key principles of sound lending that ensure profitability & liquidity 🔑

This session is perfect for bankers, CCP aspirants, and finance professionals who want to strengthen their understanding of banking fundamentals. Make sure you watch till the end and drop your thoughts in the comments below! 👇

🎥 Before we dive in, watch this video for a complete breakdown:

📌 Understanding the Role of Banks

Banks act as financial intermediaries, accepting deposits from the public and providing loans to individuals & businesses. This helps in economic growth by ensuring that idle money is put to productive use.

💡 Example:

A small businessman deposits ₹5 lakh in a bank. The bank then provides a loan of ₹4 lakh to a startup in Bengaluru, helping it grow. This cycle boosts economic activity! 🚀

📘 Types of Bank Deposits

Demand Deposits

These include Savings and Current Accounts, which allow customers to withdraw funds at any time.

Term Deposits

Fixed Deposits and Recurring Deposits fall under this category, where funds are locked for a certain period.

💳 Types of Loans

  • Home Loan: Financing to buy or build a house.
  • Vehicle Loan: Loan to purchase a car or bike.
  • Business Loan: Funds to expand or start a business.
  • Education Loan: Assistance for higher education costs.
  • Personal Loan: Multi-purpose loan for personal expenses.

📥 Download Free PDF Notes

📌 Want a PDF copy of these notes for quick revision? Download now: [Click  Here] 📩

🔔 Conclusion: What You’ve Learned!

  • Banks act as intermediaries – Accepting deposits & providing loans.
  • Types of deposits – Savings, Current, FD, RD, and Flexi deposits.
  • Loans & Lending Risks – Home, Business, Personal Loans & Risk Management.
  • RBI Guidelines – Restricted Sectors & Priority Sector Lending.

If this video helped you, LIKE & COMMENT below with your questions! 👇

📌 Subscribe for more banking insights! 🔔

🚀 Enroll in Our CCP Course Today!

Want structured CCP Certification Preparation? Join our full course for:

  • Conceptual Video Lessons 🎥
  • Mock Tests & Mega Mock Tests 📝
  • Exclusive Study Material 📚
  • 82% OFF – Limited Time Offer! 💸

📌 Use Coupon Code: WINTER ❄️

📌 Enroll Now: [Click Here] 🔥

👉 Download Our App: [Play Store Link]

 

Also Like:

LEAVE A REPLY

Please enter your comment!
Please enter your name here

🤩 🥳 JAIIB NEW BATCH START 🥳 🤩spot_img
🤩 🥳 JAIIB CAIIB CLASSES 🥳 🤩spot_img

POPULAR POSTS

RELATED ARTICLES

Continue to the category

[FREE PDF] IIBF TIRM Certification | Chapter 13 | Important Questions with Examples

💭 Ever wondered how banks move crores within seconds, or how transactions get settled in real time with zero manual paperwork? In today’s high-speed financial...

[FREE PDF] TIRM Paper 2 | Risk Organization Setup | IIBF Questions & Answers

Have you ever wondered how banks manage the countless risks they face daily? Whether it's credit risk, market risk, or operational risk, understanding how...

[FREE PDF] TIRM Paper 2 Risk Management Process | Most Important MCQs

Have you ever wondered how banks manage risks in the unpredictable world of finance? It can seem overwhelming, especially with the multitude of financial...

[FREE PDF] IIBF TIRM Certification | Risk Management Intro | Top MCQs & PYQs

Imagine a world where your bank knows exactly what you need before you even ask. What if you could have personalized services, 24/7 support,...