Supply Chain Financing: Opportunities and Risks for Banks

access_time 1786897800000 face CA N Raja
...

Credit Concentration Risk: Managing Exposure Across Industries and Groups

access_time 1786897800000 face CA N Raja
Credit Concentration Risk: Managing Exposure Across Industries and Groups Vinu: A bank may have hundreds of borrowers. Can its loan portfolio still be considered concentrated? Manu: Absolutely. The number of borrowers alone doesn't determine diversification. If a large portion of the bank's exposure...

Restructuring Stressed Accounts: Key Considerations for Bankers

access_time 1786811400000 face CA N Raja
Restructuring Stressed Accounts: Key Considerations for Bankers Vinu: Manu, one of our borrowers is facing repayment difficulty, but the business is still operational. Should we immediately think of recovery? Manu: Not necessarily. If the stress is temporary and the business remains viable, restruct...

Lessons from Loan Failures: Common Reasons Credit Accounts Turn NPA

access_time 1786725000000 face CA N Raja
Lessons from Loan Failures: Common Reasons Credit Accounts Turn NPA Vinu: Manu, when a loan account turns NPA, is the problem usually repayment failure alone? Manu: Not really. Non-payment is often the final outcome. The actual problems may have started months earlier—in the business, financials, ma...

Understanding the Difference Between Business Risk and Financial Risk

access_time 1786638600000 face Anjana
Understanding the Difference Between Business Risk and Financial Risk Vinu: Manu, while reading credit appraisal reports, I frequently come across the terms business risk and financial risk. What exactly do they mean? Manu: Both are important risk categories, Vinu, but they arise from different sour...