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Daily Archives: December 20, 2018

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What are the disclosures Requirements of Banks?

AccountingBy Surendra NaikDecember 20, 2018Leave a comment

The Pillar 3 of the Basel frame work aims to promote market discipline through regulatory disclosure requirements. BCBS has set out following five guiding principles for banks’ Pillar 3 disclosures. Principle 1: Disclosures should be clear: The disclosure shall be in a simple language understandable to all the stake holders along with presentation of risk…

What is the meaning of Ratio Analysis of a financial statement?

Financial AnalysisBy Surendra NaikDecember 20, 2018Leave a comment

The term ratio means a simple division of one number by another. It is measured by the number of times one number is contained by the other, either integrally or in fraction. The ratio analysis of financial statement means the process of calculating structural relations of different items and groups in the financial statements. Generally,…

Why Ratio Analysis of financial statements is important to bankers?

Financial AnalysisBy Surendra NaikDecember 20, 2018Leave a comment

If any lending decision is to be properly made, the risk involved in the transaction should be properly evaluated. Risk evaluation primarily consists in the ascertainment of the ability of the prospective borrower to repay the proposed loan. To ascertain this ability, apart from financial analysis many other vital considerations such as the character of…

Ratio analysis of Capital Structure/leverage ratios of a firm

Financial AnalysisBy Surendra NaikDecember 20, 2018Leave a comment

(This article explains the method of computation and the purposes of capital structure ratios viz. Current ratio, Quick ratio/Acid test ratio, Debt Equity Ratio, Solvency Ratio, Proprietary or Equity asset ratio, Fixed assets to tangible net worth plus term debt, Current debt to tangible net worth ratio, Inventory to net working capital ratio, Current debt…

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