JAIIB PPB Unit 23 (Part 7) | Term Loan Assessment Method | Debt Serviceability & DSCR

Master the fundamentals of Term Loan Assessment for the JAIIB Principles & Practices of Banking (PPB) examination. In this session, we break down Unit 23 (Part 7), focusing on how commercial banks appraise project viability, structure term loans, and evaluate debt serviceability using critical metrics like the Debt Service Coverage Ratio (DSCR). What You Will Learn in This Video: Purpose & Characteristics of Term Loans: Capex financing, repayment schedules, and moratorium/grace periods Assessment of Debt Serviceability: Estimating cash accruals and long-term repayment capacity DSCR Calculation & Interpretation: Formula, ideal benchmark ratios, and sensitivity analysis Project Appraisal Essentials: Technical, economic, commercial, and management feasibility Exam Questions & Case Studies: High-probability numerical and conceptual questions for JAIIB #JAIIB #JAIIBPPB #TermLoanAssessment #DSCR #DebtServiceability #IIBF #BankingExams #PPBUnit23