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Working Capital Assessment in Branch Banking – Practical Challenges and Real-World Risks
access_time 1772123400000 face CA N Raja
Working Capital Assessment in Branch Banking – Practical Challenges and Real-World Risks Vinu: Manu, working capital assessment looks simple on paper, but branches struggle in practice. Why? Manu: Because theory assumes clean data, while branches deal with incomplete records, tax-optimized financial...
Before You Sanction a Loan: The Credit Appraisal Framework Every Banker Must Follow
access_time 1772037000000 face CA N Raja
Before You Sanction a Loan: The Credit Appraisal Framework Every Banker Must Follow Vinu: Manu, before any loan is sanctioned, what is the fundamental objective of credit appraisal? Manu: To ensure that the borrower has the ability, intent, and cash flow to repay the bank without stress. Vinu: Let’s...
Transition from Relationship Manager to Credit Analyst: Skills Bankers Must Build
access_time 1768840200000 face CA N Raja
Transition from Relationship Manager to Credit Analyst: Skills Bankers Must Build Vinu: Manu, many relationship managers want to move into credit roles. Why is this transition challenging? Manu: Because relationship management focuses on growth and client comfort, while credit analysis focuses on ri...
Lending to MSMEs: Risk, Reward, and Reality on the Ground
access_time 1768753800000 face CA N Raja
Lending to MSMEs: Risk, Reward, and Reality on the Ground Vinu: Manu, MSME lending is often called the backbone of banking, but also the riskiest segment. Why is that? Manu: Because MSMEs offer high yield and growth, but risks are concentrated. Cash flows are volatile, records are informal, and busi...
Understanding Stock Statements: Detecting Inflation and Window Dressing
access_time 1768667400000 face CA N Raja
Understanding Stock Statements: Detecting Inflation and Window Dressing Vinu: Manu, stock statements are submitted every month, but why do banks treat them so seriously? Manu: Because stock statements decide drawing power. If stock is inflated, the bank ends up funding non-existent assets. Vinu: Wha...
