Working Capital loan , such as Cash Credit etc., is renewed every year. A Term Loan is Reviewed Every Year. Renewal / Reviewal imposes responsibility on Bankers to be competent in their skills, as much as it is needed during Initial sanctioning and Disbursal of 'working Capital' / 'Term Lending'. Skills require honing. Get Confidence Level above 90 per cent in Appraising 'Working Capital' and in Appraising 'Project Lending'. Stay away from being questioned, if any thing goes wrong commercially. A Banker's acumen can not be challenged, if Lending is structured.


IndianBankers has monetized 14 Case Studies for comprehensive learning . Our structured Case Studies are the best in comparison to any offered by any Banking College in India! Gain ascendency by spending a little expense by selecting the individual Case Study or by making a combo.

The level of these Case Studies can be Categorized as:

  • Basic
  • Medium
  • Ultimate

Working Capital

  1. Working Capital assessment ‐ Inventory and Receivable Holding Method
    [Classification: Basic]
    Scope of Study
    • How to work out a suitable Working Capital Credit Limit with sub‐limits, if any, against the various items of Chargeable Current Assets
    • Will it make any difference if a portion of the Receivables is in the form of Bills which is Discounted by the Bank
  2. Analysis of the Financial Statements using Fund‐Flow and Cash‐Flow Statements
    [Classification: Medium]
    Scope of Study
    • Know how to construct Fund-Flow and Cash-Flow to take informed decision
  3. Analysis of Financial statements ( CMA ), WC Computation & Limit Allocation
    [Classification: Starred Ultimate]
    Scope of Study
    • To prepare the Operating Statement , Liabilities & Assets Statements ( Requirement of the Bankers in CMA Format , on the basis of Profit & Loss & Balance Sheet Statements submitted by the party
    • Analyse the Statements, compute the relevant Ratios, and give comments on the trends of such Ratios
    • Prepare a Funds Flow Statement, and give your comments on the indications given by this statement
    • Compute the Maximum Permissible Bank Finance
    • Prepare a statement for allocation of the MPBF into various components ( sub-limits ) of working capital requirements. What is the total exposure ( Fund Based and Non-Fund Based Limits ), recommended by you?
  4. Assessment of Fund Based and Non-Fund Based (LC Limits)
    [Classification: Basic]
  5. Letter of Credit ‐ Assessment of Limits
    [Classification: Medium]
    Scope of Study
    • Know how to construct Fund‐Flow and Cash-Flow to take informed decision
  6. Scrutiny of LC Application Form
    [Classification: Medium]
  7. Quantitative Assessment of Bank Guarantee Limit
    [Classification: Medium]
  8. Providing Drawing Power against a Stock statement
    [Classification: Medium]
    Scope of Study
    • To compute the Drawing Power against the Credit Limits made available to the company on the basis of the given stock statement
  9. ABC Analysis of Inventory
    [Classification: Medium]
    Scope of Study
    • To categorize the items as A, B & C grade items ( A indicating the highest priority for stock verification ) . ABC Analysis is used for the purpose of giving importance to items which need strategic audit

Project Appraisal

  1. Computation of Book Value of Fixed Assets
    [Classification: Medium]
    Scope of Study
    • Based on certain informations , to compute the cost (Book Value) of the existing machinery
  2. Break-Even Analysis - determining a variable operating level
    [Classification: Medium]
    Scope of Study
    • Projecting a Profitability Statement at the initial level of operations, assuming that the loan is provided as per the Bank Term
    • Minimum level at which the company can run its Business profitably
    • Simulation of Projections
    • To ascertain the minimum level of operation a banker would set, if you feel it is viable and bankable proposition?
  3. Examining the Financial Viability of a Term Loan proposal
    [Classification: Basic]
    Scope of Study
    • To examine the financial viability aspects of the Credit proposal
  4. Case Study of Joy Chemicals Pvt Ltd.
    [Classification: Ultimate]
  5. Project Finance ‐ appraising financial viability
    [Classification: Starred Ultimate]
    Scope of Study
    • Ultimate level of project finance assessment