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Gross vs. Net: Understanding Advances and NPAs in Banking
access_time 2025-01-06T06:16:59.124Z face CA N Raja
Gross vs. Net: Understanding Advances and NPAs in Banking Vinu: Hi Manu, could you explain the difference between Gross Advance and Net Advance? Manu: Sure, Vinu. Gross Advance: Let's say a bank in India has sanctioned a home loan of ₹50 lakhs to Mr. Sharma. This ₹50 lakhs would be part of the bank'...
Unaudited vs. Informal Audit: Understanding the Key Differences
access_time 2024-12-30T09:48:36.041Z face CA N Raja
Unaudited vs. Informal Audit: Understanding the Key Differences Vinu: Manu! I’ve heard terms like unaudited and informal audit a lot lately. Can you explain the difference between them? Manu: Vinu! Sure, let me break it down for you. Unaudited refers to financial statements or reports that haven’t b...
Contingent Liabilities: Why They Matter in Credit Analysis
access_time 2024-12-30T09:45:08.596Z face CA N Raja
Contingent Liabilities: Why They Matter in Credit Analysis Vinu: Hey Manu, I’ve been reading about contingent liabilities and I’m curious—why is it important for lenders to analyze them? Manu: That’s a good question, Vinu. Contingent liabilities are potential liabilities that may occur depending on ...
Tracing Capital Utilization: A Step-by-Step Guide for Credit Assessment
access_time 2024-12-08T14:38:32.641Z face CA N Raja
Tracing Capital Utilization: A Step-by-Step Guide for Credit Assessment Vinu: Sir, I have a basic doubt. A customer has come for an enhancement of his CC limit from ₹4.15 crores to ₹5.00 crores. His balance sheet shows capital as ₹2.00 crores. How can we know where his capital amount is and how it w...
Assessing Financial Stability: Balancing Capital, Debt, and Profitability in Business Proposals
access_time 2024-12-08T14:22:58.147Z face CA N Raja
Assessing Financial Stability: Balancing Capital, Debt, and Profitability in Business Proposals Vinu: Hey Manu, I was going through the proposal for the proprietary concern and noticed they have an unsecured loan of Rs. 51 lakhs and capital of Rs. 36 lakhs. What does that imply about their financial...
