A Step-by-Step Guide to Appraising Loans for Commercial Industrial Property: A Conversation Between Manu and Vinu Vinu: Hi Manu, I’ve been tasked with appraising a loan for the purchase of a commercial industrial property. I want to make sure I cover all the bases. Can you help me through the proces...
Understanding Sensitivity Analysis in Term Loan Appraisal: A Conversation Between Manu and Vinu Vinu: Hi Manu, I’ve heard the term “sensitivity analysis” used when appraising term loans, but I’m not quite sure what it means. Could you explain it to me? Manu: Of course, Vinu. Sensitivity analysis is ...
Depreciation & Accumulated Depreciation - A Discussion Vinu: Hey Manu, I've been reading about financial statements, and I'm a bit confused about Depreciation and Accumulated Depreciation. Can you explain the difference? Manu: Of course, Vinu! Depreciation is the systematic allocation of the cost of...
Understanding AUM in NBFCs: A Conversation Between Manu and Vinu Vinu: Hey Manu, I've been reading the annual report of an NBFC, and they keep mentioning AUM. What exactly is AUM, and how is it calculated for NBFCs? Manu: Good question, Vinu! AUM, or Assets Under Management, refers to the total valu...
Understanding Recourse Structures in Bank Guarantees - A Discussion Vinu: Hey Manu, I was reading about bank guarantees and came across the term “recourse structure.” Can you explain what that is? Manu: Sure, Vinu. A recourse structure in a bank guarantee means that if the principal, the person or c...