This presentation has eight sections: 1) Credit Culture & The Risk Management Process; 2) Due Diligence & Data Expectations; 3) Underwriting & Credit Analysis Concepts; 4) Financial Analysis & Cash Flow Concepts; 5) Credit Structuring & Covenants; 6) The Risk Rating Process, Monitoring and Early Warning Signs; and 8) Asset-Based (Formula) Lending. It refers to handouts that are also included in this series.

The presentation describes recent developments, the Basel II consultative package, strengthening risk coverage, revisions to market risk and principles.

The presentation gives background about deposit insurance systems in the MENA region, including implications of implicit and explicit deposit insurance, and design features of existing deposit insurance systems.

This handout accompanies the Valuation presentation and describes valuation, why valuation is difficult, terminology and how to value an investment.

This is a handout to accompany the Credit Officer Workshop presentation.