Wake up, its morning

Had decided to keep myself cut off from anything during this years annual vacation. Just be able to enjoy the nature and its beauty with the two most important people in my life. It worked and then we are mostly the same usual after sometime. The international attack, the domestic violence and unfairness to students… Continue reading Wake up, its morning


Water : Time to act

Attended a useful session organized by #refinitiv where WATER as a scarce resource and the challenges and perspectives of solving that was discussed by experienced panelists. Agriculture is directly using around 85 percent of the water resources and bal 15 percent is divided between industry and the people usage. Indirectly that agriculture output is what… Continue reading Water : Time to act


I forgot GOOD things

There comes some situations which makes me think again and again on reason why something happened. Obviously those are during the instances which makes feel uncomfortable or unhappy. The ones in which there is no discomfort, at times are forgotten. In life's journey we experience the challenges which may not always be exciting . But… Continue reading I forgot GOOD things


It’s not a step but entire process

Last 50 decades saw the shift from the practice of a person being jack of all trades making way for specialists. Specialists brought in focus on the skills, accountability and final goods or service delivery. So a banker traditionally used to handled entire customer experience from first visit to disbursement to final repayment. Now, from cold calling to document collection to credit evaluation, documentation, disbursement, servicing and… Continue reading It’s not a step but entire process


CREDIT SERIES-6- MIS-match in numbers

Numbers if don’t match there is a story to be uncovered. Other key number to look at other than financials is the regular MIS in form of stock, book debt statement and creditors statement. Listing some common practises which helped understand the business better and identify signs which helped decision- Compare the difference between the… Continue reading CREDIT SERIES-6- MIS-match in numbers


Credit Series-5- Everything looking bad is not always bad.

Take a look at the below numbers. Good, Bad or ugly seeing years 1-3 ?  On face of it, will fall in last two categories on first glance. There were lot of factors playing at same time in it- Extraordinary income and expenses. Fluctuating sales. High borrowing vs sales. But also what this company continued… Continue reading Credit Series-5- Everything looking bad is not always bad.