Decoding DSCR: Why CC/OD Interest is Excluded & The Role of the Working Capital Cycle

access_time 2025-02-13T09:08:57.388Z face CA N Raja
Decoding DSCR: Why CC/OD Interest is Excluded & The Role of the Working Capital Cycle Vinu: Hey Manu, I've been scratching my head over something related to the Debt Service Coverage Ratio (DSCR). Can you help me out? I'm confused about why the interest on cash credit (CC) or overdraft (OD) faciliti...

Term Loan Appraisal: Key Considerations for Evaluating Borrowers and Start-ups

access_time 2025-02-13T08:59:53.113Z face CA N Raja
Term Loan Appraisal: Key Considerations for Evaluating Borrowers and Start-ups Vinu, a credit analyst, is relatively new to the banking industry and has been assigned to work closely with Manu, an experienced credit manager. They are sitting in the bank's conference room, reviewing a term loan propo...

Quasi Equity in Balance Sheet Analysis: Enhancing Debt-Equity Ratio or Hidden Risk?

access_time 2025-02-10T07:35:30.3Z face CA N Raja
Quasi Equity in Balance Sheet Analysis: Enhancing Debt-Equity Ratio or Hidden Risk? Vinu: Hey Manu, I've been hearing about something called Quasi Equity in the context of balance sheet analysis. Can you explain what it is and how it can impact the analysis? Manu: Sure, Vinu! Quasi Equity refers to ...

Understanding Sundry Creditors: Financial Statement Treatment & Impact on Liquidity

access_time 2025-02-10T07:06:47.46Z face CA N Raja
Understanding Sundry Creditors: Financial Statement Treatment & Impact on Liquidity Vinu: Hey Manu, I've been trying to understand how sundry creditors are treated in financial statements. Can you explain it to me, especially in the context of Indian laws? Also, how do sundry creditors impact the cu...

Managing Sundry Creditors: Risks, Remedies, and Best Practices

access_time 2025-02-10T07:01:43.426Z face CA N Raja
Managing Sundry Creditors: Risks, Remedies, and Best Practices Vinu: Hey Manu, I've noticed that our company's sundry creditors have been increasing lately. I'm concerned about the consequences of this and what remedial measures we should take. Can you shed some light on this? Manu: Sure, Vinu. An i...