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How Bankers Assess the Stability of a Business Model Before Lending
access_time 1788021000000 face CA N Raja
How Bankers Assess the Stability of a Business Model Before Lending Vinu: Before getting deep into financial statements, should a banker first understand how the borrower actually makes money? Manu: Absolutely. Numbers tell us how the business has performed, but the business model tells us whether t...
Supply Chain Financing: Opportunities and Risks for Banks
access_time 1786897800000 face CA N Raja
Supply Chain Financing: Opportunities and Risks for Banks Vinu: Many banks are expanding their supply chain finance portfolio. What exactly are they financing? Manu: Supply Chain Finance, or SCF, provides short-term funding to businesses based on genuine trade transactions between buyers and supplie...
Credit Concentration Risk: Managing Exposure Across Industries and Groups
access_time 1786897800000 face CA N Raja
Credit Concentration Risk: Managing Exposure Across Industries and Groups Vinu: A bank may have hundreds of borrowers. Can its loan portfolio still be considered concentrated? Manu: Absolutely. The number of borrowers alone doesn't determine diversification. If a large portion of the bank's exposure...
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...
