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Restructuring Stressed Accounts: Key Considerations for Bankers
access_time 1786811400000 face CA N Raja
Restructuring Stressed Accounts: Key Considerations for Bankers Vinu: Manu, one of our borrowers is facing repayment difficulty, but the business is still operational. Should we immediately think of recovery? Manu: Not necessarily. If the stress is temporary and the business remains viable, restruct...
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 ...
