The document discusses restructuring the debts of Dhandapani Finance Limited (DFL), a non-banking financial company in India. DFL's financial position deteriorated due to external factors like the global recession affecting its business. Its debts were proposed for restructuring under the Corporate Debt Restructuring mechanism. The restructuring considered DFL's future outlook and viability. A cash flow statement projected repayment over five years at 15% interest, with assumptions about new customers, loan sizes, defaults, non-performing assets and provisions. The restructuring aimed to minimize losses for creditors and support DFL's continuing operations.
A powerful presentation on non performing assets which very much influencial when presented before others. Being a law student, I myself created the presentation and presented before the elite authorities which impressed them to a larger extent.
A powerful presentation on non performing assets which very much influencial when presented before others. Being a law student, I myself created the presentation and presented before the elite authorities which impressed them to a larger extent.
One of the oldest forms of business financing, factoring is the cash-management tool of choice for many companies. Factoring is very common in certain industries, such as the clothing industry, where long receivables are part of the business cycle.
Challenges for banking in current scenarioHumsi Singh
The presentation describes the challenges faced by the banking sector in today's scenario. It tells about the various problems faced by banks nowadays.
Financial system and markets:
objectives of financial system-
Concepts of financial system-
Financial concepts-
Development of financial systems in India-
Weakness of Indian financial system
This presentation is on Credit rating agencies in India. here I presents it's origin, importants, benefits, objectives, need and about different rating agencies.
One of the oldest forms of business financing, factoring is the cash-management tool of choice for many companies. Factoring is very common in certain industries, such as the clothing industry, where long receivables are part of the business cycle.
Challenges for banking in current scenarioHumsi Singh
The presentation describes the challenges faced by the banking sector in today's scenario. It tells about the various problems faced by banks nowadays.
Financial system and markets:
objectives of financial system-
Concepts of financial system-
Financial concepts-
Development of financial systems in India-
Weakness of Indian financial system
This presentation is on Credit rating agencies in India. here I presents it's origin, importants, benefits, objectives, need and about different rating agencies.
What is Corporate Debt Restructuring, how can it be done and what are the rules and guidelines for CDR? Read this Research Report from Resurgent India to know everything about Corporate Debt Restructuring.
CDR( Corporate Debt Restructuring)
can be described as a proactive measure to not let companies land into a troublesome financial situation from where they cannot make a recovery. It can be explained as a voluntary and non-regulatory method for organizations to deal with their dues.
NPA in Indian Banking Industry, Analysis of Bankruptcy Code, Resolution mechanism through Asset Reconstruction Company (including Valuation Techniques)
Corporate India - Distress Resolution Solutions Sumedha Fiscal
The Indian Banking scenario is going through unprecedented times with stressed loan portfolio. The portfolio of all Banks put together is more than 7 lakh crore which is > 10% of total advances and there is an apprehension that there could be significant additions too.
Realizing the problem RBI has come out with many changes and schemes to tackle such stressed accounts.
Here are come of the distress resolution solutions that you can look into.
This is a document that covers the MSME financing in India. It explores the financing sources and problems in India. It talks about working capital financing via factoring and reverse factoring, cluster financing, Germany's cluster financing, listing looking at alternativa model of listing of ventures, and Thailand's SME bond markets. It also covers the need for policy redefinition of MSMEs and policy support required.
Insolvency and Bankruptcy Code - Corporate Insolvency Resolution Process Raghu Babu Gunturu
This presentation gives complete process of corporate insolvency resolution process (CIRP) under insolvency and bankruptcy code 2016, the framework that is developed by EzResolve etc.,
This presentation was made at Achromic Point and BRICS CCI Seminar on “Insolvency and Bankruptcy Code 2016” at Mumbai on June 2, 2018.
Overview on Transmission pipeline of gas over the world
and the transnational pipelines fro India
Includes many countries pipelines such as Russia , Europe , China , Pakistan , India , Gulf Nations , Iran , Iraq and issues and challenges faced foe these pipelines by diffrent nations, both origin nation , destination and the mediator nations
Good Overalling
total slides = 46
pressented in year 2015
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
2. MEANING
• Corporate Debt Restructuring is basically a mechanism by way of which company endeavors to reorganize its
outstanding obligations.
• Corporate Debt Restructuring (CDR) is an effective financial tool for minimizing the adverse effects of default
and financial difficulties on the borrowers as well as lenders.
• Accounting literature does provide some indicators on financial difficulties, including:
• The borrower has defaulted on debt obligations.
• The borrower has declared or is in the process of declaring bankruptcy.
• If the borrower cannot obtain funds from another source at market rates available to non-troubled
debtors.
• The borrower’s cash flow is insufficient to service existing debt based upon actual or projected
performance.
3. OBJECTIVE
The objective of the Corporate Debt Restructuring (CDR) framework is to ensure:
• Timely and transparent mechanism for restructuring the corporate debts of viable entities facing problems,
outside the purview of BIFR, DRT and other legal proceedings, for the benefit of all concerned.
• The framework will aim at preserving viable corporates that are affected by certain internal and external
factors
• To minimize the losses to the creditors and other stakeholders through an orderly and coordinated
restructuring programme.
• To support continuing economic recovery.
4. WAYS TO RESTRUCTURE DEBT
• The reorganization of the outstanding obligations can be made by any one or more of the following ways:
• Increasing the tenure of the loan
• Reducing the rate of interest
• Changes in Moratorium period
• One time settlement
• Conversion of debt into equity
• Converting unserviced portion of interest into term loan
5. WHEN CAN IT BE TRIGGERED
• Reference to Corporate Debt Restructuring System could be triggered by:
• Any or more of the creditor who have minimum 20% share in either working capital or term finance.
• By the concerned corporate, if supported by a bank or financial institution having substantial stake.
• The most important part of the CDR Mechanism which is the critical element of ICA is the provision that if
75% of creditors (by value) agree to a debt restructuring package, the same would be binding on the
remaining creditors.
6. STRUCTURE OF CDR SYSTEM
CDR system in the country have a three tier structure:
7. CDR CELL
• The CDR Cell is the third tier of the CDR Mechanism in India.
• All references for corporate debt restructuring by lenders/borrowers are made to the CDR Cell.
• Compares the proposal with the general policies and guidelines approved by the CDR Standing Forum.
• CDR Cell makes initial scrutiny of the proposals received from the lenders/borrowers.
• Carries out a basic viability and feasibility study of the proposals.
• Mandated to assist the CDR Standing Forum and the CDR Empowered Group (EG).
8. EMPOWERED GROUP (EG)
• Second tier of the structure of CDR Mechanism in India.
• The individual cases of corporate debt restructuring are decided by the CDR Empowered Group (EG).
• Comprises Executive Director level representatives IDBI ltd., ICICI Bank ltd, the SBI as standing members with
ED level representatives of financial institutions (FIs) and banks which have an exposure to the concerned
company.
• Carries out detailed analysis of the proposal forwarded by CDR Cell.
• Responsible for conducting voting for a viable debt restructure.
• Associates itself with the debt restructuring referring institution.
• The EG decides on the acceptable viability benchmark levels on the following illustrative parameters:
• Debt Service Coverage Ratio
• Break-even Point(Operating & Cash)
• Return on Capital Employed
• Internal Rate of Return
• Cost of Capital
• Loan Life Ratio
• Extent of Sacrifice
9. CORE GROUP
• The CDR Core Group is carved out of the CDR Standing Forum.
• Assists the Forum in convening the meetings and taking decisions relating to policy, on behalf of the Forum.
• Consists of Chief Executives of IDBI, SBI, ICICI Bank, BOB, BOI, PNB, Indian Banks Association (IBA) and Deputy Chairman
of IBA representing foreign banks in India.
• The Core Group lays down the policies and guidelines to be followed by the CDR Empowered Group and CDR Cell for debt
restructuring.
• The Core Group also lays down guidelines to ensure that over-optimistic projections are not assumed while
preparing/approving restructuring proposals especially with regard to
• Capacity utilization
• Price of products
• Profit margin
• Demand
• Availability of raw materials
• Input-output ratio
• Likely impact of imports/international cost competitiveness.
10. CDR STANDING FORUM
• Top tier of the CDR Mechanism in India
• Comprises Chief Executives of All-India Financial institutions and Scheduled Banks.
• Self-empowered body which lays down policies and guidelines.
• Ensures their smooth functioning and adherence to the prescribed time schedules for debt restructuring.
• Provides an official platform for both creditors and borrowers to collectively evolve policies and guidelines
for working out debt restructuring plans.
• Monitors the progress of the CDR Mechanism.
• Reviews individual decisions of the CDR Empowered Group and CDR Cell.
11. MECHANISM
CREDITORS CDR CELL SUBMITS PROPOSAL INITIAL SCRUTINY
CALL FOR PROPOSED
RESTRUCTURED PLAN
DECIDESWHETHER
RESTRUCTURING IS
PRIMA FACIE FEASIBLE
OR NOTWITHIN 30
DAYS
IF FEASIBLE, REFERRING
INSTITUTION /BANKTAKES
UPWORK OF PREPARING
DETAILED RESTRUCTURING
PLANWITH CDR CELL
PASS IT ONTOTHE EG
EG COMPARESWITH
GUIDELINESAND
POLICIES LAID BY CDR
STANDING FORUM
EG CARRIESOUT
DETAILED STUDY
AND ANALYSISOF
VIABILITY
IF SATISFIED,APPROVES
AND CONFIRMSTHE
RESTRUCTURING PLANOR
CAN SUGGEST
MODIFICATIONS
TAKES FINAL DECISION
WITHIN 90 DAYS
CDR CELL ISSUESA
LETTEROF APPROVAL
TO ALL CONCERNED
LENDERS
CONCERNED LENDERS
ARE REQUIREDTOGIVE
APPROVALWITHIN 45
DAYS
FULLY IMPLEMENT
IT IN NEXT 45
DAYS
12. POINTS TO NOTE
• The scheme will not apply to accounts involving only one financial institution or one bank.
• Minimum amount of debt should be 10 Crores.
• While corporates indulging in frauds and malfeasance even in a single bank will continue to remain ineligible
for restructuring under CDR mechanism as hitherto, the Core group may review the reasons for classification
of the borrower as willful defaulter.
13. EXIT & RECOMPENSATE CLAUSE
• The payment of recompense amount gets triggered in the following circumstances:
• Mandatory Cases:
• Exit: The exit of the borrower from the CDR mechanism either voluntarily or at the end of the
restructuring period.
• Performance: If the performance of the borrower in any whole financial year improves in comparison to
CDR projections.
• Declaration of dividend: If the borrower declares dividend in any financial year in excess of ten percent
on annualized basis.The recompense amount shall be payable prior to distribution of dividend.
• Methodology:
• On the occurrence of any of the trigger events, the referring/monitoring institution shall convene a
meeting of the MonitoringCommittee to determine the quantum of the recompense amount payable
by the borrower till the trigger date.
15. A Case on Restructuring of DFL
• Dhandapani Finance Limited was a Non Banking Financial Company registered with
RBI
• Incorporated on October 30 1986, as a Private Limited Company and became a Public
Limited Company on May 04 1988
• It was registered under Category A- Hire Purchase And Leasing Company
• Became a Pvt. Ltd., Company in the year 1980 and later in Jan 1995 it went in for a
Public issue and became a widely held Public Co.
• Primarily engaged in the business of financing of tractors, construction equipment's,
commercial vehicles and other passenger carrying multi utility vehicles, cars, etc
• Main focus was to finance used asset at a gross yields in the range of 24% to 26%
• The company operates through a network of 48 branches located in semi urban and
rural markets of Andhra Pradesh,Tamil Nadu, Kerala, Karnataka and Maharashtra.
Source: cdrindia.org/formats.htm
16. Corporate Debt Restructuring
• The two most important things that the bank considers before referring the case to the
CDR Mechanism are
1. Reasons for the inability of loan
2. Future Outlook of the Company
• DFL’s financial position deteriorated due to some unavoidable external reasons as listed
below
1. Adverse effects of reviewing accounting policies
2. Failure to raise funds through right issue
3. Effect of failure of company’s effort for a slump sale of COMAPNY
4. Global recession and its effect on company’s business
Source: cdrindia.org/formats.htm
17. Restructuring the Company
The following points are considered for restructuring the company
1. Future outlook for the company
2. Marketing viability
3. Demand and supply analysis
4. Future market demand and supply
Source: cdrindia.org/formats.htm
18. The Cash Flow Statement
Particulars 2009-10 2010-11 2011-12 2012-13 2013-14
Interest Rate 15.0% 15.0% 15.0% 15.0% 15.0%
Interest Rate -IRR 27.5% 27.5% 27.5% 27.5% 27.5%
Interest Rate (Flat):commission 8.0% 8.0% 8.0% 8.0% 8.0%
Upfront processing charges 2% 2% 2% 2% 2%
New customers per month 20 150 155 155 155
Ticket Size -1 (Loan Size)in lakhs 3 3 3 3 3
Ticket Size -2 5 5 5 5 5
Ticket Size -3 8 8 8 8 8
%age customers in Ticket Size - 1 70% 50% 50% 50% 50%
%age of customers in Ticket Size - 2 20% 15% 15% 20% 20%
%age of customers in Ticket Size - 3 10% 35% 35% 30% 30%
No. of Months 36 36 36 36 36
No. of Collection in a month (per customer) 1 1 1 1 1
No. of Months 31 31 31 31 31
Cash collateral as a % age of disbursements 10% 10% 10% 10% 10%
Interest on cash Collateral 12% 12% 12% 12% 12%
No of customers defaulting 8% 8% 8% 8% 8%
Period in which defaulters making payment (Months) 3 3 3 3 3
Defaulting customers turning into NPA 10% 10% 10% 10% 10%
NPA Provisioning (as a percentage of NPA Assets) 50% 50% 50% 50% 50%
Period of NPA becoming Loss assets(Months) 12 12 12 12 12
Provision on loss Assets 100% 100% 100% 100% 100%
Loss assets( as a percentage of total NPA Asset) 8% 8% 8% 8% 8%
Repossessed assets(as a percentage of total NPA Asset) 60% 60% 60% 60% 60%
Source: cdrindia.org/pdf/CDR-Master-Circular-2008.pdf
19. The Restructuring Plan !!
Name of the Bank
O/S
WORKING
CAPITAL
SANCTIONED
WORKING
CAPITAL
% share (% of
sanctioned lt) DP allocation
Available DP
(secured
W.cap) Irregular Portion WCTL OCCRPS
Ing Vysya Bank Ltd 785.85 800.00 6.15% 407.83 407.83 378.02 113.41 264.61
YES Bank 1,428.29 1500.00 11.54% 764.69 764.69 663.60 199.08 464.52
Bank of India 1,470.55 1500.00 11.54% 764.69 764.69 705.86 211.76 494.10
The Federal Bank Ltd 1,261.43 1300.00 10.00% 662.73 662.73 598.70 179.61 419.09
Canara Bank 1,214.90 1200.00 9.23% 611.75 611.75 603.15 180.95 422.21
State Bank of travancore 962.32 1000.00 7.69% 509.79 509.79 452.53 135.76 316.77
Punjab National Bank 930.08 1000.00 7.69% 509.79 509.79 420.29 126.09 294.20
UCO Bank 937.78 950.00 7.31% 484.30 484.30 453.48 136.04 317.44
Indian Overseas Bank 828.84 900.00 6.92% 458.81 458.81 370.03 111.01 259.02
The Dhanalakashmi Bank Ltd 493.41 500.00 3.85% 254.90 254.90 238.51 71.55 166.96
State Bank of Hyderabad 469.37 500.00 3.85% 254.90 254.90 214.47 64.34 150.13
Bank of Baroda - 0.00 0.00% - - - - -
HSBC 942.10 1000.00 7.69% 509.79 509.79 432.31 129.69 302.62
The Catholic Syrian Bank Ltd 812.58 850.00 6.54% 433.32 433.32 379.26 113.78 265.48
TOTAL 12,537.50 13,000.00 100.00% 6,627.28 6,627.28 5,910.22 1,773.07 4,137.16
Source: cdrindia.org/pdf/CDR-Master-Circular-2008.pdf
20. Conclusion
The following have been our learning from the above project:
• Whenever there is an economic crisis, the rehabilitation of the financial sector is a first order priority
– Macroeconomic stability is critical.
• We have also learned the working of CDR MechanismCell in India
• We have also learned the International Norms of CDR followed in various countries.
21. • The process of CDR followed by a bank and the important factors that have to be considered before
initiating for the restructuring.
– Determining of projected financial statements based on key assumptions.
– The various guidelines that are mandatory for CDR.
– Analysis of viability ratios and the financial statements.