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Financial Ratios That Actually Matter in Credit Risk Assessment
access_time 1768321800000 face CA N Raja
Financial Ratios That Actually Matter in Credit Risk Assessment Vinu: Manu, there are dozens of financial ratios. But in credit appraisal, which ones actually matter? Manu: Only those that answer three core questions: liquidity, leverage, and repayment capacity. Everything else is supportive. Vinu: ...
Cash Flow vs Profit: Why Profitable Businesses Still Default on Loans
access_time 1768235400000 face CA N Raja
Cash Flow vs Profit: Why Profitable Businesses Still Default on Loans Vinu: Manu, I often see borrowers showing good profits but still defaulting on loan repayments. How does that happen? Manu: Because profit is an accounting concept, while loan repayment depends purely on cash flow. A business can ...
How Bankers Should Read Financial Statements Beyond the Numbers
access_time 1768149000000 face CA N Raja
How Bankers Should Read Financial Statements Beyond the Numbers Vinu: Manu, as bankers we see balance sheets and P&L statements every day. But everyone says we should read financials “beyond the numbers.” What does that actually mean? Manu: It means not stopping at totals and ratios. Financial state...
Should You Buy Digital Gold? SEBI’s Alert Explained Simply
access_time 2025-11-14T09:36:35.013Z face CA N Raja
Should You Buy Digital Gold? SEBI’s Alert Explained Simply Vinu: Manu, I read in BusinessLine that SEBI has warned investors about digital gold. Why is SEBI suddenly concerned? Manu: Good question, Vinu. SEBI noticed a rapid rise in people buying digital gold through online platforms like Google Pay...
Working Capital Assessment for Commission Agents in APMC Markets
access_time 2025-09-14T15:34:35.149Z face CA N Raja
Working Capital Assessment for Commission Agents in APMC Markets Vinu: Manu, I’ve got one more doubt. How do banks assess working capital for commission agents in APMC markets, like those dealing in onions or potatoes? Manu: Good question, Vinu. See, commission agents are very different from normal ...
