Credit Appraisal, Risk Analysis and Decision Making  is tailored for people who work in the field of banking. The book can be very helpful to employees who handle financial statements and execute credit-related activities in the banking industry. The contents of the book are easily understandable, and real life illustrations have been provided for this very purpose. Profit and Loss is a key aspect of banking, and this has been analysed in this book from multiple angles, through taxation, accounting, and legal perspectives. Window Dressing techniques have also been covered in Credit Appraisal, Risk Analysis And Decision Making. Decision making and cash budget application are concepts that have been neatly illustrated through realistic scenarios. The book also talks about Spreadsheet Forecasting. In a deeper analysis of credit, country, market, operational, and credit risks have also been addressed in this text, so that it helps bankers extensively.

Main Features of the Book:

1. Balance Sheet, Profit & Loss & Cashflow items – Explained from Banking, Accounting, Statutory & Management angles.
   
2. Analysis of Financial statements – A pragmatic approach.
   
3. Window Dressing methods unveiled.
   
4. Forecasting & Cash budgeting illustrated.
   
5. Decision making in credit  - Various dimensions &Step by step approach with illustrations.
   
6. Nonfund-based facilities – Letter of Credit, Bank Guarantee & Derivatives.
   
7. Trade Finance – Including Bill Finance, Import & Export Finance.
   
8. Project Finance appraisal.
   
9. Standalone chapters on Retail Credit&Priority Sector lending.
   
10. Risk Management - Credit, Operational, Market & Country risks explained.
    
11. Relevant provisions of Companies Act 2013 & Amendments.
    
12. Salient Regulatory &Other trends - Overview &updates.