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The Role of Market Intelligence in Credit Risk Assessment
access_time 1788366600000 face CA N Raja
The Role of Market Intelligence in Credit Risk Assessment Vinu: We already have audited financial statements, bank statements, GST returns, credit reports, and projections. Why should a banker also look at market intelligence? Manu: Because documents mainly tell us about the borrower. Market intelli...
Evaluating Expansion Plans from a Banker’s Perspective
access_time 1788280200000 face CA N Raja
Evaluating Expansion Plans from a Banker’s Perspective Vinu: Manu, one of our borrowers is planning a major expansion. Sales are growing, profits look good, and the promoter is very confident. From a banker’s perspective, is that enough? Manu: Not really, Vinu. A good existing business does not auto...
What Site Visits Can Reveal That Financial Statements Cannot
access_time 1788193800000 face CA N Raja
What Site Visits Can Reveal That Financial Statements Cannot Vinu: Manu, we already collect audited financial statements, GST returns, bank statements and CMA data. Why do bankers still insist on a site visit? Manu: Because documents tell us what the borrower has reported. A site visit helps us see ...
Understanding Promoter Funding and Its Impact on Credit Decisions
access_time 1788107400000 face CA N Raja
Understanding Promoter Funding and Its Impact on Credit Decisions Vinu: When we appraise a business loan, why do we give so much importance to the money brought in by the promoter? Manu: Because the promoter's own financial commitment tells us how much risk the promoter is willing to share with the ...
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...
