Topic
|
Sub-topic
|
The MSME Sector
|
- Classification of the MSME Sector
- Importance to Banks
- Asset Quality Experience
- Unique Lending Challenges
|
MSME Credit Ratings
|
- SME Ratings
- NSIC-CRISIL Scale
- CRISIL SME Rating scale
- Approaches to MSME Lending
|
Due Diligence: A Process-Driven Approach
|
- The Need for Due Diligence
- Elements of Due Diligence
- The Due Diligence Process
- Dealing with Negative Reports
- Benefits of a Process-Driven Approach
|
Due Diligence: Data Sources
|
- Internal Sources
- External Sources
|
Due Diligence: Borrower Documents
|
- Bank Statement Analysis
- Validating Bank Credit with Revenues
- Looking out for Suspicious Transactions
- Credit Evaluation
- Continuous Reduction in Credit Summation
- Cheque Returns
- Overdrawn Limits
- Delays in Interest Payments
- Delays in Payment of Other Dues
- LC Devolvement
- Significance of VAT Returns
- Analysis of VAT Returns
|