Credit appraisal an overview

The webinar will provide enriching insights of Credit appraisal, why it is required and the advantages of the same. The key areas of elucidation will include banker's preference for credit appraisal, traditional method Vs current trends, understanding various business models. The discussion shall also include the role of Chartered Accountants in credit appraisal, the edge CA's have over others and also the added advantages it brings in to their professional practise.

1. Credit Appraisal – An Overview CA. E Guru Prasad

2. Presentation Schema

3. What is Credit Appraisal?

4. Conventional Vs Modern methods

5. An Insight into Conventional was Modern Methods of Appraisal

6. Conventional method of Appraisal

7. Modern methods of Appraisal

8. Importance of considering other income in credit appraisal

9. Personal Discussion (PD) in an appraisal

10. Importance of Analysing Financial statements: What Constitutes Financials Statements ?

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15. Importance of Banking Analysis

16. Character: Reputation of business, its willingness to repay as well as repayment history should  be thoroughly assessed. Capital: Leverage ratios such as owner’s contribution to equity, equity to debt ratio of the company should be assessed Capacity: This is mainly the ability of the borrower to repay and the reflective of the borrower’s volatility of earnings. Cycle: This generally refers to economic conditions. The state of the business cycle is an important element in determining credit risk exposure especially for cycle dependent industries. Collateral: In the event of default, the lender has claims on the collateral pledged  by the borrower. The greater the priority of this claim and the market value of the underlying collateral, the lower the exposure risk of the loan. Key p oints considered for appraisal

17. Why Bank’s prefer an external credit appraisal?

18. External credit appraisal can provide an unbiased opinion.

19. Why Bankers prefer CA for credit appraisal

20. Advantages to professional practise of the CA’s Others areas where the CA’s can get value additions to their professional practise by undertaking credit appraisal includes but not restricted to

21. The size of lending Market for the important lending category for Q2-ending 2019

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