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Deciphering the Role of Interest Rates in Credit Analysis
  • Overview
  • Objectives & Outline
  • Methodology
  • Participant Profile
  • Trainer
  • Overview
    Programme Details
    Date
    26 September 2024
    Time
    9:00 AM – 5:00 PM
    Venue
    Asian Banking School
    HRDC PROG NO
    10001413910
    An interest rate is the cost of borrowing money. Or, on the other side of the coin, it is the compensation for the service and risk of lending money. In both cases, it keeps the economy moving by encouraging people to borrow, to lend, and to spend.

    Prevailing interest rates are always changing, and different types of loans offer different interest rates. If you are a lender, you must understand the reasons for these changes and differences. Moreover, the lender is also critical to proactively make the necessary adjustments in the credit lending process and credit structure arising from interest rate change.

    This one-day programme aims to equip bankers with the ability to forecast global interest rate movements and their implications on overnight policy rates in Malaysia, offer comprehensive explanations of different lending rates to potential borrowers, and effectively anticipate and manage the effects of interest rate changes on the credit lending process and credit structure.
    Learning Level
    Foundation
    Programme Fees*

    MYR

    1,500

    *Subject to 8% Service Tax per pax

  • Objectives & Outline
    LEARNING OBJECTIVES
    By the end of the programme, participants will be able to:
    • Forecast global interest rate movement and its impact on Overnight Policy rates in Malaysia
    • Provide solid explanations to potential borrowers on various types of lending rates
    • Foresee and manage the impact of interest change on the credit lending process and credit structure
    PROGRAMME OUTLINE
    The mechanism of global interest rate change

    Types of lending rates

    Relationship between interest rate and inflation, currency exchange rate, bond price & time value of money

    Impact of interest change on conventional credit lending process and digital lending
  • Methodology
    Lecture, case studies and discussions
  • Participant Profile
    Junior credit banking officer
  • Trainer
    DR CHIN NYUK SANG
    Dr. NS Chin is a trainer and consultant for small, medium enterprises (SME) in the area of fund raising. He is also facilitating an FSTEP session related to central banking.

    A PhD holder in Finance graduate and from the Multimedia University, Dr. Chin had served Bank Negara Malaysia (BNM) for 29 years in various capacities. He started as a banking supervisor to regulate and supervise all banking institutions in Malaysia; followed by an involvement in corporate debt restructuring during the Asian Financial Crisis in 1997. In 2006, he was seconded to Agensi Kaunseling Dan Pengurusan Kredit (AKPK) and headed the Ipoh branch for 2 years. Finally, as a performance consultant, Dr. Chin was tasked to strengthen the capacity building of BNM staff in their core areas including financial inclusion, sustainable development and economic policy development.
    Dr. Chin is a certified trainer by the Association for Talent Development in the USA and the Human Resource Development Corporation in Malaysia. As a part-time senior lecturer with Universiti Malaya, Dr. Chin has conducted numerous face-to-face classes primarily on international banking, financial economics, monetary economics, international finance & emerging economic markets. Dr. Chin holds an associate membership of Asian Institute of Chartered Banker.

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