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Variance Analysis: How to Identify and Control Budget Deviations
access_time 1776443400000 face CA N Raja
Variance Analysis: How to Identify and Control Budget Deviations Vinu: Manu, budgets are prepared every year, but where does variance analysis fit in? Manu: Variance analysis is the control mechanism, Vinu. It compares budgeted vs actual performance and highlights where things are going off track. V...
How to Analyze GST Returns for Credit Monitoring
access_time 1776357000000 face CA N Raja
GST Returns Analysis for Credit Monitoring: A Banker’s Practical Guide Vinu: Manu, a borrower recently submitted GST returns to support a working capital renewal. Honestly, I don't know where to start. How do you even read these things from a credit angle? Manu: Start with GSTR-3B and GSTR-1. GSTR-3...
Early Warning Signals (EWS)
access_time 1776184200000 face CA N Raja
Early Warning Signals in Banking: Detect Stress Before NPA Vinu: Manu, before an account turns NPA, what are the first early warning signals bankers should watch? Manu: Account behaviour. Persistent overdrawings, irregular credits, and delayed EMI of even ₹2–3 lakh are the earliest signs of stress. ...
Industry Risk Analysis in Lending: Why One Size Does Not Fit All
access_time 1775925000000 face CA N Raja
Industry Risk Analysis in Lending: Why One Size Does Not Fit All Vinu: Manu, why can’t banks use the same appraisal approach for all industries? Manu: Because each industry has a different risk structure—cash cycle, margins, customer concentration, and volatility vary widely. Vinu: From the start, w...
Pricing Basics: Are You Actually Making Money on Each Sale?
access_time 1775838600000 face CA N Raja
Pricing Basics: Are You Really Making Profit on Every Sale? Vinu: Manu, my sales are increasing, but I’m still unsure—am I really making money on each sale? Manu: Good question, Vinu. To know that, you must calculate your contribution per unit. Vinu: What does that mean in simple terms? Manu: Sellin...
