Topic: Lending to MSMEs (Part I)
Topic Sub-topic
The MSME Sector • Classification of the MSME Sector
• Importance to Banks
• Asset Quality Experience
• Unique Lending Challenges
MSME Credit Ratings • SME Ratings
• NSIC-CRISIL Scale
• CRISIL SME Rating scale
• Approaches to MSME Lending
Due Diligence: A Process-Driven Approach • The Need for Due Diligence
• Elements of Due Diligence
• The Due Diligence Process
• Dealing with Negative Reports
• Benefits of a Process-Driven Approach
Due Diligence: Data Sources • Internal Sources
• External Sources
Due Diligence: Borrower Documents • Bank Statement Analysis
• Validating Bank Credit with Revenues
• Looking out for Suspicious Transactions
• Credit Evaluation
• Continuous Reduction in Credit Summation
• Cheque Returns
• Overdrawn Limits
• Delays in Interest Payments
• Delays in Payment of Other Dues
• LC Devolvement
• Significance of VAT Returns
• Analysis of VAT Returns
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