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Industry Risk Analysis in Lending: Why One Size Does Not Fit All
access_time 1775925000000 face CA N Raja
Industry Risk Analysis in Lending: Why One Size Does Not Fit All Vinu: Manu, why can’t banks use the same appraisal approach for all industries? Manu: Because each industry has a different risk structure—cash cycle, margins, customer concentration, and volatility vary widely. Vinu: From the start, w...
Pricing Basics: Are You Actually Making Money on Each Sale?
access_time 1775838600000 face CA N Raja
Pricing Basics: Are You Really Making Profit on Every Sale? Vinu: Manu, my sales are increasing, but I’m still unsure—am I really making money on each sale? Manu: Good question, Vinu. To know that, you must calculate your contribution per unit. Vinu: What does that mean in simple terms? Manu: Sellin...
Cost Structure Analysis: Fixed vs Variable Costs and Margin Impact
access_time 1775752200000 face CA N Raja
Cost Structure Analysis: How Fixed & Variable Costs Impact Profitability Vinu: Manu, why should finance executives clearly separate fixed and variable costs? Manu: Because decision-making depends on how costs behave, Vinu. Fixed and variable costs impact margins very differently. Vinu: Start with th...
Common Red Flags in SME Loan Proposals and How to Identify Them Early
access_time 1775665800000 face CA N Raja
SME Loan Red Flags: What Every Banker Must Identify Early Vinu: Manu, when an SME loan proposal comes in, what is the first red flag you look for? Manu: Unrealistic growth. If last year’s turnover is ₹2 crore and the proposal shows ₹4 crore next year without capacity expansion, it’s a warning. Vinu:...
Understanding Costs: Fixed, Variable, and Hidden Expenses in Business
access_time 1775579400000 face CA N Raja
Understanding Business Costs: Fixed, Variable & Hidden Expenses Explained Vinu: Manu, my sales are growing, but profit isn’t improving. I think my costs are the problem. How should I understand them clearly? Manu: Start by separating your costs into fixed, variable, and hidden expenses. That alone g...
