Free notes, textbooks, and exam-focused resources designed for Indian banking professionals.
The Reserve Bank of India (RBI) plays a pivotal role in shaping the credit management practices of banks through a comprehensive set of guidelines. These regulatory directives establish the foundational…
A balance sheet should always balance. Assets must always equal liabilities plus owners’ equity. Liabilities must always equal assets minus owners’ equity. The balance sheet of an entity may be…
The analysis of financial statements means identifying a business establishment’s financial strengths and weaknesses by interpreting and inferring the financial statements of the establishment. These statements cannot be analysed by…
IntroductionCredit management is a vital financial discipline that involves the strategic extension and regulation of credit to customers. It includes assessing creditworthiness, setting appropriate credit terms, monitoring receivables, and ensuring…
IntroductionThe principles of credit, commonly known as the “5 Cs,” serve as a foundational framework for lenders to evaluate the creditworthiness of borrowers. These five elements—Character, Capacity, Capital, Collateral, and…
[This article elucidates methods and techniques used to analyze profit and loss statements, the Format of the operative statement, the meaning of gross profit, operating profit and net profit, depreciation,…
There are different types of bank borrowers. They may be classified as individuals, partnership firms, private limited, public limited companies, large corporate, public sector undertakings, multinational companies etc. The financial…
Introduction The concept of credit in India has a rich and ancient history, tracing back nearly 4,000 years. Evidence suggests that loans were prevalent during the Vedic period (circa 2000–1400…
Introduction Credit plays a pivotal role in contemporary financial systems, serving as a key enabler for individuals and businesses to access funds for a wide range of purposes—from everyday purchases…
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