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The history of the bank; various types of banks and banking; critical bank performance indicators; various types of loans; various types of collateral securities; types of loan interest rates; types of loan schedules; simplified methods for loan interest computation in banks; financial ratios; the borrower's debt capacity and credit analysis ratios; working capital cycle; detailed components of cash flow; balance sheet; loan granting procedures and conditions; credit file analysis; three dimensional philosophy around the lender and the borrower; loan decision making; key indicators of a reliable credit borrower; causes of a negative or positive response to the borrower's request and subsequent diverse effects.