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The Impact of Economic Cycles on Credit Quality and Lending Decisions
access_time 1789835400000 face CA N Raja
The Impact of Economic Cycles on Credit Quality and Lending Decisions Vinu: Manu, can the same borrower look safe in one year and risky in another even if the business itself has not changed much? Manu: Yes. Credit quality is influenced not only by the borrower but also by the economic environment. ...
Assessing Supplier Dependency Risk in Loan Proposals
access_time 1789745400000 face CA N Raja
Assessing Supplier Dependency Risk in Loan Proposals Vinu: Manu, a borrower we are assessing purchases nearly 70% of its raw materials from a single supplier. The business is profitable, but should this concentration concern us? Manu: Definitely. Heavy dependence on one supplier creates supplier dep...
Why Customer Diversification Matters in Credit Appraisal
access_time 1789662600000 face CA N Raja
Why Customer Diversification Matters in Credit Appraisal Vinu: Manu, a borrower has reported strong sales and profits. But nearly 70% of the sales come from one customer. Should the bank be concerned? Manu: Yes. Strong financial performance is important, but excessive dependence on one customer crea...
Understanding the Credit Risks of Family-Owned Businesses
access_time 1788539400000 face CA N Raja
Understanding the Credit Risks of Family-Owned Businesses Vinu: Manu, many MSME borrowers we deal with are family-owned businesses. Should a banker assess them differently? Manu: The basic credit principles remain the same. But family-owned businesses have certain characteristics—ownership, manageme...
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...
