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Non-Fund Based Limits (LC & BG): Hidden Credit Risks Bankers Often Miss
access_time 1776961800000 face CA N Raja
Non-Fund Based Limits (LC & BG): The Hidden Credit Risks Bankers Must Watch Vinu: Manu, non-fund based limits like LC and BG don’t involve immediate cash outflow. Why are they still risky? Manu: Because they can convert into fund-based exposure anytime. Once an LC devolves or a BG is invoked, the ba...
Consortium and Multiple Banking: Risks Every Banker Should Be Aware Of
access_time 1776875400000 face CA N Raja
Consortium Lending Explained: Control vs Coordination Challenges Vinu: Manu, what is the basic difference between consortium and multiple banking? Manu: In a consortium, banks lend jointly with shared information and a lead bank. In multiple banking, different banks lend independently without full c...
How to Analyze GST Returns for Credit Monitoring
access_time 1776357000000 face CA N Raja
GST Returns Analysis for Credit Monitoring: A Banker’s Practical Guide Vinu: Manu, a borrower recently submitted GST returns to support a working capital renewal. Honestly, I don't know where to start. How do you even read these things from a credit angle? Manu: Start with GSTR-3B and GSTR-1. GSTR-3...
Early Warning Signals (EWS)
access_time 1776184200000 face CA N Raja
Early Warning Signals in Banking: Detect Stress Before NPA Vinu: Manu, before an account turns NPA, what are the first early warning signals bankers should watch? Manu: Account behaviour. Persistent overdrawings, irregular credits, and delayed EMI of even ₹2–3 lakh are the earliest signs of stress. ...
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...
