Practical Banking Lessons from Sir Waman D Gokhale

Waman D Gokhale

Flat No 19,Ganesh Pooja,Near Mahavir Furniture & Electronics,Bibwewadi,
Pune – 411037

E-mail                                        :   waman.gokhale@gmail.com
Phone Number                         :  +91 7350901500 (+91 9833224068)

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Day to Day Banking

Understanding Balance Sheet and Financial Statements
Day to Day Banking – Debit & Credit
Lesson on GL-2
Lesson No.1- Principles of Accounts
Lesson No. 3 – GL
Lesson No. 4 – GL
Lesson No. 5 – General Accounting Entries
Lesson No. 6 – GL

Article No. 1

Article No. 3 Dated 03/05/2016

Bank Guarantees

Lesson No. 9 Solvency Certificate Lesson No 10 – Understanding Bank Guarantee Lesson No. 11 – Aspects of Bank Guarantee Lesson No. 12 – Discussion on BGs Lesson No. 13 – Last Lesson on BGs

Letter of Credit

Lesson on Letter of Credit
Lesson 14 – Aspects About Letter of Credit
Lesson 15- Discussion on LC

Appraisal Technique

Lesson No 16 – Appraisal Of Proposals Lesson No 17 – Discussion on Ratio Analysis Lesson No. 18 – Discussion on Ratio Analysis Continued Lesson No. 19 – Term Loan / Project Appraisal Lesson No. 20 – Concept of Break Even Point (BEP) Lesson No. 21 – Funds Flow Statement Lesson No. 22 – Practical Tutorial on Funds Flow Statement Lesson No. 24 – Working Capital Finance Lesson No. 25 – Working Capital – II Lesson No. 27 – Cash Flow Cash Budget System

Appraisal Technique – Important points be remembered/ complied for sanction

LESSON No 28 – Important points be remembered/ complied before Sanction
Lesson No. 29 – Chore Committee

Credit Appraisal & Monitoring

1. Every Credit proposal is basically a decision making exercise.It is a function of Information, Intuition and its application.
2 .Three pillars of Appraisal are Integrity , Financials and Market Trends.
3 We draw Financial/Credit/Due diligence report. This report helps us to understand the Credit Worthiness of the borrower as well as his Financial worth.Thus it is a report giving Quality and Quantity ie Net Worth.
4 We also discussed what are the common terms meant Technical feasibility, Economic and Commercial viability.
4 We also discussed SWOT analysis and its application in decision making.
5 The time and depth applied in appraisal of these aspects depend upon the Credit limit ie exposure we have to sanction.
Lesson No. 3 – Credit Appraisal
Lesson No, 5 – Concepts used in Appraisal
Lesson No. 6 – SWOT Analysis
Lesson No. 7 – Types of Securities – I
Lesson No. 8 – Types of Securities – II
Lesson No. 30 – QIS-I Statement
Lesson No. 31 – QIS II & III Statements
Lesson No. 32 – Monitoring of Advance Accounts
Lesson No. 33 – Stock Inspection
Lesson No. 34 – Stock Inspection of a Manufacturing unit under SME.
Lesson No. 35- Monitoring
Lesson No. 36 – Credit appraisal-Interview of the Borrower