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A current asset is either cash or an asset (e.g. stock) that can be converted into cash within a year and is often used to pay off current liabilities.
Current assets typically include categories such as cash, marketable securities, short-term investments, accounts receivable , prepaid expenses, and inventory.
Approaches to Financing Current Assets.
Instruments in raising finance.
advantages and disadvantages of trade credit.
inter Corporate Deposits , etc.
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A current asset is either cash or an asset (e.g. stock) that can be converted into cash within a year and is often used to pay off current liabilities.
Current assets typically include categories such as cash, marketable securities, short-term investments, accounts receivable , prepaid expenses, and inventory.
Approaches to Financing Current Assets.
Instruments in raising finance.
advantages and disadvantages of trade credit.
inter Corporate Deposits , etc.
This presentation is on RBI Primary Dealers. It covers history, eligibility, Roles and Obligations; Facilities offered by RBI and Regulatory returns to submitted by PD to RBI. It also covers in detail Underwriting process, MUC (Minimum Underwriting Commission) & ACU (Additional Competitive Underwriting). It also touches few key concepts like Short sale and When Issued.
www.abhijeetdeshmukh.com
Need capital to start, grow and manage your business, we provide loans in the form of short term loans and long term loans, check your ability to get a loan by bank loan rating and credit score check. Get complete information about the Syndication & Funding right from Term Loans to Unsecured Loans and the Process.
Liquidity measurement is an integral part of financial statement analysis. These are various measures to find or to ascertain the firm’s ability to meet the short term expenses or liabilities and convertibility to liquid assets into cash on requirement. Copy the link given below and paste it in new browser window to get more information on Liquidity Measurements:- www.transtutors.com/homework-help/finance/liquidity-measurements.aspx
Mf0010 & security analysis and portfolio managementsmumbahelp
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The Uses of Funds schedule needed for a Business Plan and/or Projections and/or Forecasts should be a straightforward, one to two page document completed in Excel. For Business Plans that have multiple phases or expansions that require phased or tiered investment, additional Use of Funds schedules, or a single schedule with columns for Phase I, Phase II, etc., should be utilized. When completing Forecasts, let alone Uses of Funds, it is imperative to structure these documents in one file with multiple worksheets so they can be easily edited to suit the needs and expectations of individual investors or institutions
The investment in working capital has to be funded somehow and it's usually the current liabilities that are used for that purpose. This presentation looks at which current liabilities are affected and how they should be managed optimally.
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This presentation is on RBI Primary Dealers. It covers history, eligibility, Roles and Obligations; Facilities offered by RBI and Regulatory returns to submitted by PD to RBI. It also covers in detail Underwriting process, MUC (Minimum Underwriting Commission) & ACU (Additional Competitive Underwriting). It also touches few key concepts like Short sale and When Issued.
www.abhijeetdeshmukh.com
Need capital to start, grow and manage your business, we provide loans in the form of short term loans and long term loans, check your ability to get a loan by bank loan rating and credit score check. Get complete information about the Syndication & Funding right from Term Loans to Unsecured Loans and the Process.
Liquidity measurement is an integral part of financial statement analysis. These are various measures to find or to ascertain the firm’s ability to meet the short term expenses or liabilities and convertibility to liquid assets into cash on requirement. Copy the link given below and paste it in new browser window to get more information on Liquidity Measurements:- www.transtutors.com/homework-help/finance/liquidity-measurements.aspx
Mf0010 & security analysis and portfolio managementsmumbahelp
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Mf0010 & security analysis and portfolio managementsmumbahelp
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The Uses of Funds schedule needed for a Business Plan and/or Projections and/or Forecasts should be a straightforward, one to two page document completed in Excel. For Business Plans that have multiple phases or expansions that require phased or tiered investment, additional Use of Funds schedules, or a single schedule with columns for Phase I, Phase II, etc., should be utilized. When completing Forecasts, let alone Uses of Funds, it is imperative to structure these documents in one file with multiple worksheets so they can be easily edited to suit the needs and expectations of individual investors or institutions
The investment in working capital has to be funded somehow and it's usually the current liabilities that are used for that purpose. This presentation looks at which current liabilities are affected and how they should be managed optimally.
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General Principles of Lending:
When a request for a loan is received, it is important to ensure that the borrower has the legal capacity to borrow. The other matters upon which the information should be obtained are: the purpose of advance, the amount involved, the duration of the advance, the sources of repayment, the profitability of transaction, and, where applicable, the security offered. The most fundamental principle of all is that the bank should have confidence in the integrity, competence and continuing credit worthiness of the borrower.
• Know Your Customer:
While entertaining a proposal for advance, the branch has to first ensure compliance with the KYC norms.
• Pre- Sanction Stage:
Obtain/compile the following:
• Bio-data/declaration of assets owned by the borrower and guarantor along with latest income tax/wealth tax assessment copies and compilation of opinion reports.
• Particulars of immediate family members/legal heirs along with their father’s name and age.
• Audited balance sheets for the previous 3 years, estimated balance sheet for the current year and projected balance sheet for the next year.
• Particulars of existing borrowing arrangements and credit reports/no objection letters from existing banks if any.
• It should be followed by independent verification by the branch incumbent.
• Details of associate/group concerns, their borrowing arrangements and their latest balance sheets.
• No objection letter from term loan lender(s) if already financed by them and their permission/willingness to cede pari passu/ second charge on their security.
• The position of term working capital liabilities with various banks/FIs and details thereof viz., Limit, DP, Out standings, Irregularities (if any).
• Conduct a search/obtain a search report from Registrar of Companies to ascertain position of charges created already.
•
• Due Diligence:
• Branch Manager should do adequate Due Diligence before bringing an asset to the Bank’s books. This will avoid NPA.
• Thorough inquiry about the prospective borrower (with other banks, Financial Institutions, etc.) market intelligence, his past track record of performance and repayment of obligations, credit worthiness (Net Worth) must be done.
• Personal visit to his office/place of business will give an idea of his business.
• Processing of Applications:
While processing the applications, the following should be looked into and commented upon in the proposal:
• Due diligence on promoters’ background, their track record of repayment by checking with their existing bankers (NPA status) (any rephasements, any compromise entered into), credit worthiness, market reputation etc.
• Latest RBI defaulters’ list and willful defaulters' list —Company and their Directors.
• Bank’s loan policy.
• Contractual capacity of the borrower regarding borrowing powers/any restrictions on borrowings and names of persons authorized to borrow by verifications of:
• Partnership deed
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Managing balance sheet liquidity & long term funding Dr Rajeev Jain
Managing balance sheet liquidity and long term funding
• Do the company have the right cash management processes?
• The importance of accurately forecast company cash flow with liquidity management
• Looking at your balance sheet frequently: Do the company has sufficient funding sources?
• Ensuring the right balance of credit and non-credit service utilisation for funding process
• Learning about rebuilding the balance sheet and turning their problem into growth
• Establishing long term stability and security of our funding in turn helps protect our liquidity position in the crisis
• Building necessary tools and methods to achieve properly structured balance sheet
• Managing complex situations precisely through flexible values (general direction), values with longer lifespan than goals or objectives and past and present corporate actions
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Working Capital Finance: Essential for SMEs to Grow and ThriveM1xchange
Small and medium-sized enterprises (SMEs) play a crucial role in the growth and development of any economy. However, they often face financial challenges, particularly when it comes to managing their working capital. Working capital is the lifeblood of any business, and insufficient working capital can lead to serious problems, including bankruptcy. This is where working capital finance comes in. In this article, we will discuss the importance of working capital finance for SMEs and how they can avail it.
Managing Business Debts " A book to enlargen your horizon in managing busines...
Ma0038 & banking operations
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ASSIGNMENT
DRIVE SPRING 2015
PROGRAM MBADS (SEM 3/SEM 5)MBAFLEX/ MBA (SEM 3)PGDBMN
(SEM 1)
SUBJECT CODE & NAME MA0038 & BANKING OPERATIONS
BK ID B1616
CREDITS 4
MARKS 60
Note: Answer all questions. Kindly note that answers for 10 marks questions should be
approximately of 400 words. Each question is followed by evaluation scheme.
Q. 1. Banking accepts deposits of money from public for the purpose of lending and investment.
Based on this explain the principles of banking and payment system constituent.
Answer:Explanationof principles of banking: The central practice of banking consists of borrowing
and lending. As in other businesses, operations must be based on capital, but banks employ
comparativelylittle of theirowncapital inrelationtothe total volume of their transactions. Instead
banks use the funds obtained through deposits and, as a precaution, maintain capital and reserve
accounts to protectagainst losses on their loans and investments and to provide for unanticipated
cash withdrawals. Genuine banks are distinguished from
Q. 2. To reach a destination, a definite plan is required. Business planning creates definite
strategies.Give the introduction of business planning and targeting. Write down steps involved in
the process of business planning and targeting and explain the planning tools and methods put in
analysis.
Answer:A business plan is a formal statement of business goals, reasons they are attainable, and
plansfor reachingthem.Itmayalso containbackgroundinformationaboutthe organizationor team
attempting to reach those goals.
Businessplansmaytargetchangesinperception and branding by the customer, client, taxpayer, or
larger community. When the existing business is to
2. Q. 3. Banks accepts depositsand depositsare repayable to the depositors through the proceeds of
investmentand loans.You are supposedto explainthe need for credit policy with bank rates. Also
explain the credit process.
Answer:Explanationof needforcredit with bank rates:Controllingcreditinthe Economyisamongst
the most importantfunctionsof the Reserve Bankof India. The basic and important needs of Credit
Control in the economy are-
To encourage the overall growth of the “priority sector” i.e. those sectors of the economy
which is recognized by the government as “prioritized” depending upon their economic
condition or government interest. These sectors broadly totals to around 15 in number.
To keep a check over the
Q. 4. Write short notes on:
a) Interestrate risk:Interestrate riskisthe riskthat arisesforbondowners from fluctuating interest
rates.How much interest rate risk a bond has depends on how sensitive its price is to interest rate
changesinthe market.The sensitivity depends on two things, the bond's time to maturity, and the
coupon rate of the bond.The risk that an investment's value will change due to a change in the
absolute level of interestrates,inthe spreadbetweentworates,inthe shape of the yieldcurve or in
any other interest rate relationship. Such changes usually affect securities inversely and can be
reduced by diversifying (investing in
b) On-balance sheet adjustment:Traditionally, banks lend to borrowers under tight lending
standards, keep loans on their balance sheets and retain credit risk—the risk that borrowers will
default (be unable to repay interest and principal as specified in the loan contract). In contrast,
securitization enables banks to remove loans from balance sheets and transfer the credit risk
associated with those loans.
For example, when a bank has
c) Off-balance sheetadjustment:Off-balancesheet(OBS), or Incognito Leverage, usually means an
assetor debtor financingactivity not on the company's balance sheet. Some companies may have
significant amounts of off-balance sheet assets and liabilities. For example, financial institutions
often offer asset management or brokerage services to their clients. The assets managed or
brokered as part of these
Q. 5.What do you understand by forfaiting? Explain on Forfaiting an export finance option. Write
the benefits of exporters from forfaiting.
Answer: Intrade finance,forfaitingisthe financial transactioninvolving the purchase of receivables
fromexportersbya forfaiter.The forfaitertakeson all the risks associated with the receivables but
3. earns a margin.[citation needed] The forfaiter may also be immunized from certain risks if the
transactioninvolvespaymentbynegotiableinstrument. The forfaiting is a transaction involving the
sale of one of the firm'stransactions.Factoringisalso a financial transaction involving the purchase
of financial assets, but factoring
Q. 6. ExplainAutomated TellerMachine (ATMs),write the benefitsof ATM. Explain the benefits of
leveraging technology.
Answer:An automated teller machine or automatic teller machine(ATM, American, Australian,
Singaporean, Indian, Maldivian, Hiberno and Sri Lankan English), also known as an automated
bankingmachine (ABM,CanadianEnglish),cashmachine,cashpoint,cashline,or colloquially hole in
the wall (BritishandSouthAfricanEnglish),isanelectronictelecommunications device that enables
the customers of a financial institution to perform financial transactions without the need for a
human cashier, clerk or bank teller.
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