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Risk Based Pricing
Module Fees
Rs. 2500/-
Access period
3 months
Learning time
3 hours
In this eLearning module on Risk Based Pricing - Online training module, let’s familiarize ourselves with risk-based pricing for loans, which involves cost of funds, operating costs, base rates and calculation of credit risk premium. Further we will discuss linked concepts, such as measuring profitability of loans.
Why this course is right for you
Real life case studies
Real life case studies built leveraging our expertise in research, ratings & risk solutions
Interactive examples
Interspersed with practice exercises and interactive examples to help apply concepts
Expert Speak
Insights incorporated in eLearning, based on 15+ years of classroom training experience
Knowledge checks
Knowledge checks at the end of each topic to ensure absorption of concepts
Glossary & Resources
End to end structure comprising basic definitions to advanced readings
Gamification
Final assessment questions & gamification at the end of the module to ensure learning objectives are met
TOPIC |
SUB-TOPIC |
| Introduction to Risk Based Pricing |
• Bank Loan Pricing • Impact of Credit Risk • Risk Based Pricing |
| Cost of Funds, Operating Costs & Lending Rates |
• Overview • Marginal Cost of Funds • Cash Reserve Ratio and Statutory Liquidity Ratio • Calculating Negative Carry • Operating Costs • Return on Net Worth • Loan Pricing Today - A Comparison • Calculating BR and MCLR |
| Credit Risk Premium |
• Individual Credit Risk • Measuring Credit Risk • Probability of Default • Static Pool Approach • Defining Default • Pricing Credit Risk Using Probability of Default • Calculating Lending Rate Using Probability of Default • Expected Loss • Calculating Expected Loss • Calculating Lending Rate using Expected Loss |
| Linked Concepts - NIM, ROA and RAROC |
• Measuring Profitability of Loans • Net Interest Margin • Return on Assets • Risk Adjusted Return on Capital • Loan Sanctioning Based on RAROC • A Customer’s Request • Evaluating Request Further • Calculating RAROC • Other Considerations • Factors Impacting RAROC • Strategies to Maximise RAROC • Burden of Non-Performing Assets • Competition for a Customer • Ways to Maximise RAROC • Importance of a Healthy RAROC • Additional Opportunities to Maximise RAROC |
Steps to purchase
- Go to Crisil Learning platform https://training.crisil.com/
- On https://training.crisil.com/ (Crisil Learning platform) – sign up to create your unique login ID and password
- Once your account is set up, search for "Risk Based Pricing" from the search bar
- Select the e-learning module - Risk Based Pricing, and click on buy now; it will get added to your cart
- Click on 'Cart' and purchase the module(s) with your debit or credit card
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Frequently asked questions
Access to topics will be provided via our e-learning platform - training.crisil.com. You will need to create your login ID and password to set up your account. Post this, you can select the module and click on the 'Buy now' option. The selected module will be moved to the 'Cart' for payment via debit or credit card.
The modules are accessible for a period of 3 months from the date of purchase of the modules.
The mode of instruction is only via online.
The modules are self-study modules. They are interactive with animations, and also have 'knowledge checks' to assess the user on the concepts.
The modules cannot be accessed on mobiles or tablets. The only recommended mode is desktop or laptop.
The modules are accessible only on the online platform.
The modules are accessible any number of times for 3 months, from the date of enrolment.
You can email your queries to Crisil1Academy@crisil.com.
For any queries please contact to Pooja Yadav +91-7777073996 or write to us at
Crisil1academy@Crisil.com.
