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How to Identify Overtrading in Business Borrowers
access_time 1788453000000 face CA N Raja
How to Identify Overtrading in Business Borrowers Vinu: Manu, can rapid growth itself become a problem for a borrower? Manu: Definitely. Growth is good only when the business has enough capital and working capital to support it. When sales expand much faster than the financial resources available, t...
The Role of Market Intelligence in Credit Risk Assessment
access_time 1788366600000 face CA N Raja
The Role of Market Intelligence in Credit Risk Assessment Vinu: We already have audited financial statements, bank statements, GST returns, credit reports, and projections. Why should a banker also look at market intelligence? Manu: Because documents mainly tell us about the borrower. Market intelli...
Evaluating Expansion Plans from a Banker’s Perspective
access_time 1788280200000 face CA N Raja
Evaluating Expansion Plans from a Banker’s Perspective Vinu: Manu, one of our borrowers is planning a major expansion. Sales are growing, profits look good, and the promoter is very confident. From a banker’s perspective, is that enough? Manu: Not really, Vinu. A good existing business does not auto...
What Site Visits Can Reveal That Financial Statements Cannot
access_time 1788193800000 face CA N Raja
What Site Visits Can Reveal That Financial Statements Cannot Vinu: Manu, we already collect audited financial statements, GST returns, bank statements and CMA data. Why do bankers still insist on a site visit? Manu: Because documents tell us what the borrower has reported. A site visit helps us see ...
Understanding Promoter Funding and Its Impact on Credit Decisions
access_time 1788107400000 face CA N Raja
Understanding Promoter Funding and Its Impact on Credit Decisions Vinu: When we appraise a business loan, why do we give so much importance to the money brought in by the promoter? Manu: Because the promoter's own financial commitment tells us how much risk the promoter is willing to share with the ...
