Beyond Balance Sheet<br />R.Ganesh, DGM & Sr.Faculty,<br />SBSC, Hyderabad<br />
BeyondBS - MANAGEMENT<br />Competent ?<br />Innovations<br />Experienced ?<br />Modern Management techniques<br />Qualifie...
Beyond BS – Fixed Assets<br />Capacity Utilisation<br />Productivity<br />Age of Plant – Periodical Maintenance/repairs<br />
Beyond BS – Production Management<br />Production Planning<br />Scheduling<br />Control & Quality Control<br />
Beyond BS - Technology<br />State of Tech- current  or obsolete?<br />Awareness of Competitors technology<br />Technology ...
Beyond BS -MARKETING<br />Nature of industry<br />Present status & future prospects<br />Govt.Policy / Control(Exports /Im...
Beyond BS – Marketing(2) <br />Availability of Raw material<br />Market Share<br />Nature & extent of competition<br />Gro...
Beyond BS –Growth Prospects<br />Objectives ?<br />Growth oriented or stagnant ?<br />Diversification Plans –same industry...
Appears trivial but MOST IMPORTANT<br />Continuous UPDATE<br />FILING<br />Reading-<br />Circulars<br />Newspapers<br />Ot...
CAG, HYDERABAD<br />11<br />The fraud was orchestrated by the company chairman Raju. The auditing firm may have involved i...
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Beyond balance sheet-bankers-views

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Bankers NOT to look at only Quantitative aspects of Cos but they need to understand qualitative aspects too before financing

Published in: Economy & Finance, Business
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  • The fraud was orchestrated by the company chairman Raju. The auditing firm may have involved in the whole fudging exercise. There are several lessons to be learnt from Satyam. It showed how a great company can also be brought down if somebody decides he does not want to be ethical for some reason. Falsified bank balances, depository receipts, invoices and even bank letterhead used to bolster the fake accounts.
  • Beyond balance sheet-bankers-views

    1. 1. Beyond Balance Sheet<br />R.Ganesh, DGM & Sr.Faculty,<br />SBSC, Hyderabad<br />
    2. 2. BeyondBS - MANAGEMENT<br />Competent ?<br />Innovations<br />Experienced ?<br />Modern Management techniques<br />Qualified ?<br />Authority Structure & Delegation<br />Involved in Management?<br />Responsivenessto environment changes?<br />
    3. 3. Beyond BS – Fixed Assets<br />Capacity Utilisation<br />Productivity<br />Age of Plant – Periodical Maintenance/repairs<br />
    4. 4. Beyond BS – Production Management<br />Production Planning<br />Scheduling<br />Control & Quality Control<br />
    5. 5. Beyond BS - Technology<br />State of Tech- current or obsolete?<br />Awareness of Competitors technology<br />Technology – Upgradation ?<br />Research & Development<br />Plans for New Product Development & Diversification <br />
    6. 6. Beyond BS -MARKETING<br />Nature of industry<br />Present status & future prospects<br />Govt.Policy / Control(Exports /Imports)<br />Special features<br />
    7. 7. Beyond BS – Marketing(2) <br />Availability of Raw material<br />Market Share<br />Nature & extent of competition<br />Growth vs Market Share<br />
    8. 8. Beyond BS –Growth Prospects<br />Objectives ?<br />Growth oriented or stagnant ?<br />Diversification Plans –same industry or other pursuits !! <br />Growth Plan <br /><ul><li>Conservation of resources, consistent with liquidity/ capital base?</li></li></ul><li>Beyond BS –MARKET PERCEPTION<br />Buyers of Co’s Products<br />Its competitors<br />Stockmarket investors<br />Bankers (others) in Consortium or in multiple banking<br />
    9. 9. Appears trivial but MOST IMPORTANT<br />Continuous UPDATE<br />FILING<br />Reading-<br />Circulars<br />Newspapers<br />Other magazines<br />
    10. 10. CAG, HYDERABAD<br />11<br />The fraud was orchestrated by the company chairman Raju. The auditing firm may have involved in the whole fudging exercise. It showed how a great company can also be brought down if somebody decides he does not want to be ethical for some reason. Falsified bank balances, depository receipts, invoices and even bank letterhead used to bolster the fake accounts.<br />

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