Information Package / Course Catalogue
Evaluation of Applications For Credit
Course Code: BSN226
Course Type: Area Elective
Couse Group: Short Cycle (Associate's Degree)
Education Language: Turkish
Work Placement: N/A
Theory: 2
Prt.: 0
Credit: 2
Lab: 0
ECTS: 2
Objectives of the Course

To give occupational information about purposes and results of credit analysis and evaluation of credit applications is the main aim of this course. In this course, it is mainly focused on evaluation and analysis of commercial credits.

Course Content

Credit analysis, balance sheet, income statement

Name of Lecturer(s)
Learning Outcomes
1.Explains the concept and significance of credit analysis.
2.Explains how to organize and structure the credit analysis process.
3.Evaluates methods for gathering information on credit applicants.
4.Performs and explains the reclassification and adjustment (normalization) of financial statements in commercial credit analysis.
5.Conducts financial statement analysis and credit assessment.
Recommended or Required Reading
1."Kredi Taleplerinin Değerlendirilmesi", Öztin AKGÜÇ, Seçkin Akademik ve Mesleki Yayınlar, 2014.
2."TDHP Uygulaması Kapsamında Kredilendirmede Finansal Tablolar Analizi Sektörel Örnek Uygulamalar" Şenol BABUŞÇU, Adalet HAZAR, Bade EKİM KOCAMAN, Seçkin Akademik ve Mesleki Yayınlar, 2017
3."Kredi Taleplerinin Değerlendirilmesi"-Yök Dersleri Platformu İstanbul Üniversitesi Açık ve Uzaktan Eğitim Fakültesi Yayınları
4.“Bankalarda Kredi Yönetimi” -Yök Dersleri Platformu Anadolu Üniversitesi Açıköğretim Fakültesi Yayınları
5.“Temel Kredi Bilgileri” -Yök Dersleri Platformu İstanbul Üniversitesi Açık ve Uzaktan Eğitim Fakültesi Yayınları
6.“Temel Kredi İşlemleri” -Yök Dersleri Platformu Atatürk Üniversitesi Açıköğretim Fakültesi Yayınları
Weekly Detailed Course Contents
Week 1 - Theoretical
What is credit analysis and its purposes?
Week 1 - Preparation Work
Pre-preparation for credit analysis and its purposes.
Week 2 - Theoretical
Organizing credit analysis
Week 2 - Preparation Work
Pre-preparation for organizing credit analysis
Week 3 - Theoretical
Principles of credit giving decisions of banks
Week 3 - Preparation Work
Pre-preparation for principles of credit giving decisions of banks
Week 4 - Theoretical
Factors taking into account in credit analysing
Week 4 - Preparation Work
Pre-preparation for factors taking into account in credit analysing
Week 5 - Theoretical
Ways of getting information about loanees
Week 5 - Preparation Work
Pre-preparation for ways of getting information about loanees
Week 6 - Theoretical
Financial statements in credit analysis
Week 6 - Preparation Work
Pre-preparation for financial statements in credit analysis
Week 7 - Theoretical
Removing the effects of balance-sheet window-dressing from balance sheets and income statements (in current assets)
Week 7 - Preparation Work
Pre-preparation for removing the effects of balance-sheet window-dressing from balance sheets and income statements (in current assets)
Week 8 - Theoretical
Removing the effects of balance-sheet window-dressing from balance sheets and income statements (in fixed assets)
Week 8 - Preparation Work
Pre-preparation for removing the effects of balance-sheet window-dressing from balance sheets and income statements (in fixed assets)
Week 9 - Theoretical
Removing the effects of balance-sheet window-dressing from balance sheets and income statements (in current liabilities)
Week 9 - Preparation Work
pre-preparation for removing the effects of balance-sheet window-dressing from balance sheets and income statements (in current liabilities)
Week 10 - Theoretical
Removing the effects of balance-sheet window-dressing from balance sheets and income statements (in long-term liabilities and equities)
Week 10 - Preparation Work
Prepreparation for removing the effects of balance-sheet window-dressing from balance sheets and income statements (in long-term liabilities and equities)
Week 11 - Theoretical
Removing the effects of balance-sheet window-dressing from balance sheets and income statements (in income statement)
Week 11 - Preparation Work
Pre-preparation for removing the effects of balance-sheet window-dressing from balance sheets and income statements (in income statement)
Week 12 - Theoretical
Financial statement analysis (horizontal and vertical analysis)
Week 12 - Preparation Work
Pre-preparation for inancial statement analysis (horizontal and vertical analysis)
Week 13 - Theoretical
Financial statement analysis (ratio analysis)
Week 13 - Preparation Work
Pre-preparation for financial statement analysis (ratio analysis)
Week 14 - Theoretical
Evaluation of credit applications on behalf of financial statement analysis
Week 14 - Preparation Work
Pre-preparation for evaluation of credit applications on behalf of financial statement analysis
Week 15 - Preparation Work
Week 16 - Preparation Work
Week 17 - Preparation Work
Week 18 - Preparation Work
Week 19 - Preparation Work
Week 20 - Preparation Work
Week 21 - Preparation Work
Week 22 - Preparation Work
Week 23 - Preparation Work
Week 24 - Preparation Work
Week 25 - Preparation Work
Week 26 - Preparation Work
Week 27 - Preparation Work
Week 28 - Preparation Work
Week 29 - Preparation Work
Week 30 - Preparation Work
Week 31 - Preparation Work
Week 32 - Preparation Work
Assessment Methods and Criteria
Type of AssessmentCountPercent
Assignment1%5
Quiz1%5
Midterm Examination1%30
Final Examination1%60
Workload Calculation
ActivitiesCountPreparationTimeTotal Work Load (hours)
Lecture - Theory141242
Assignment1202
Quiz1202
Midterm Examination1202
Final Examination1415
TOTAL WORKLOAD (hours)53
Contribution of Learning Outcomes to Programme Outcomes
PÇ-1
PÇ-2
PÇ-3
PÇ-4
PÇ-5
PÇ-6
PÇ-7
PÇ-8
PÇ-9
PÇ-10
PÇ-11
PÇ-12
PÇ-13
PÇ-14
OÇ-1
4
2
5
4
2
4
1
1
2
1
OÇ-2
4
2
5
3
5
4
1
1
2
1
OÇ-3
4
2
5
3
2
5
2
1
2
1
OÇ-4
3
2
5
4
3
5
2
1
3
1
OÇ-5
3
2
5
5
3
5
2
1
3
1
2
Adnan Menderes University - Information Package / Course Catalogue
2026