For one hour short session of bank staff,this much is useful. One can understand basic concept of what is meant by appraisal and what banks finds out for advance case. This much is not enough ,but for beginner of banking course this gives overview of appraisal. Even students studying banking can get idea about what this is and how done
IGNOU MSCCFT and PGDCFT Exam Question Pattern: MCFT003 Counselling and Family...
Appraisal
1. A R Mankodi
Faculty- NIIT IFBI (PGDB)
Director- Karnavati Coop Bank
Secretary- Bankers’ Club
Ex CEO- Guj State Coop Union
Ex DGM- A D C Bank
AMCO Bank
1
CORPORATE TRAINER
2. What is appraisal ?
Appraisal mean to ascertain
about applicant’s financial as well
as personal and social status by
calling various papers and data
and judging creditworthiness and
repaying capacity to take
decision of advance
3. Following are three ways of analysis
1 Quantitative Analysis
2 Qualitative Analysis
3 Technical Analysis
5. MORE….
Take outsider guarantor where possible
Find out about assets of applicant,gurantor
Find out market reports history of borrower
Find our eligibility
Find our arrangements of margin money
Search ROC if applicable
Ask if PG available
See who attends you and how haste fully
See if consultant is involved—Discourage if
any
Find out object and end use
6. PROFIT AND LOSS ACCOUNT
5865151 op Stock sale 51875948
23774552 Purchase Others 398635
243257970 Prod cost Cl Stock 7117682
3145864 ADM cost
1623409 Depreciation
655322 profit
---------------------------- ------------------
59292268 59292268
Pur+Cost/12=monthly prod cost=40 lac
Sale/12=monthly sale=68 lac
Profit is just 1.2 % of sale. with deprec it is 4.5 %
100 % production cost of purchase( Not possible)
8. RESULT
1. Balance sheet not tally on credit side it is
–ve
2. Capital + Reserve + Bank=1.17 Cr –
Machine 1.42 WC =Zero
3. Debtors(2.72) + Stock(71.17)<
Creditors(1.71 Cr)
4. Loan > Capital
5. 100 % Prod cost on purchase not possible
There is sure diversification and
manipulation of accounts