Launch your Graphy
There are no items in your cart
Add More
Add More
| Item Details | Price | ||
|---|---|---|---|
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...
Assessing Management Quality: The Non-Financial Side of Lending
access_time 1786552200000 face CA N Raja
Assessing Management Quality: The Non-Financial Side of Lending Vinu: We spend a lot of time analyzing balance sheets and financial ratios. But why do credit officers also evaluate management quality? Manu: Because businesses are ultimately run by people. Strong financials can deteriorate under poor...
Understanding Debt Service Coverage Ratio (DSCR) in Practical Lending
access_time 1786465800000 face CA N Raja
Understanding Debt Service Coverage Ratio (DSCR) in Practical Lending Vinu: While appraising term loan proposals, DSCR is one of the first ratios everyone talks about. Why is it so important? Manu: Because DSCR tells us whether the business generates enough cash to repay both the loan principal and ...
How Changes in Interest Rates Affect Borrower Repayment Capacity
access_time 1786379400000 face CA N Raja
How Changes in Interest Rates Affect Borrower Repayment Capacity Vinu: Manu, whenever the RBI changes interest rates, bankers immediately start discussing its impact on borrowers. Why is it such a big concern? Manu: Because a change in interest rates directly affects the borrower's loan repayment ob...
