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key metrics for bank analyser
Digital Lending

The 8 Key Metrics Every Bank Analyser Should Track

August 27, 2024 precisateam No comments yet

A thorough analysis of a borrower’s financial data is one of the most important aspects of the underwriting process. Inaccurate analysis can open up lenders to risks. These include delayed payment of EMIs (Equated Monthly Installments), and non-repayment of loans. Inaccurate analysis usually results from lenders leaving out certain metrics during the underwriting process. Failure […]

NBFC Software
Digital Lending

How Reporting and Analytics in NBFC Software Is Integral to Decision-making

August 22, 2024 precisateam No comments yet

Proactive regulatory initiatives, evolving consumer behaviours, and the thriving funding environment have propelled the growth of the Indian fintech ecosystem. Digital lending is expected to account for around 5% of retail loans in India by the first half of 2028.  As more and more customers, particularly, the millennial and Gen Z groups embrace the convenience […]

Indian credit score companies
Digital Lending

Challenges Faced by Indian Credit Score Companies in a Diverse Economy

August 17, 2024 precisateam No comments yet

Access to timely credit is crucial for an individual’s or a business’s financial and social development. The Indian credit score companies offer services that help shape lending decisions, investment strategies, and overall economic stability. Self-monitoring of credit scores by Indians has risen by 73% in 2023, highlighting the growing awareness about the importance of credit […]

Bank Financial Statement PDFs
Bank Statement Analysis

Common Pitfalls in Reading Bank Financial Statement PDFs (And How to Avoid Them)

August 13, 2024 precisateam No comments yet

Financial statements offer insights into the health of an individual or a business. Lenders can extract valuable information from bank financial statement PDFs to aid them in their lending decisions. Automation has replaced manual analysis of financial statements for many lending businesses, helping reduce the time and effort required to extract, organise, and interpret data […]

rbi
Digital Lending

Fraud or Not? RBI Urges Banks to Listen Before Labeling

August 8, 2024 precisateam No comments yet

Loan fraud is one of the top financial risks faced by lenders today. As of May 2024, it was revealed that the number of bank frauds has increased four times over the last five years. These cases predominantly comprise digital fraud. Such incidents have caused major concerns across the industry. Some lenders have been triggered […]

Duration Gap Analysis
Bank Statement Analysis

Duration Gap Analysis vs. Repricing Gap: Which Analysis Is Right for Your Lending Business?

August 3, 2024 precisateam No comments yet

In the current economic climate, managing interest rate risk has become paramount for lending institutions. The Reserve Bank of India (RBI) recently reduced the repo rate by 25 basis points to 6.00% in April 2025, aiming to stimulate economic growth amid global uncertainties. This monetary easing, coupled with liquidity infusions totaling over ₹6.21 trillion, underscores […]

Loan Portfolio Assessment
Digital Lending

Mitigating Risks: A Lender’s Guide to Comprehensive Loan Portfolio Assessment

July 31, 2024 precisateam No comments yet

As of March 2024, the gross non-performing assets (GNPAs) ratio for scheduled commercial banks stands at 2.8%, a 12-year low, exhibiting an improvement in managing default risks. Despite this, lenders must be continually wary of the impact of risky loans, as it is not just limited to the lending institutions’ profitability. It significantly undermines the […]

Debt Recovery
Digital Lending

Ushering in a New Era of Debt Recovery for the Modern Lender

July 27, 2024 precisateam No comments yet

According to a report, the number of cases referred to the debt recovery tribunal (DRT),  grew significantly to INR 4.02 trillion in FY23. Yet, the amount recovered via this route downslided to 9.2% in FY23 as compared to 17.5% in FY2022. This translates to the debt recovery rate for non-performing assets (NPAs) falling from 17.6% […]

Decisioning Stage in Loan Processing
Digital Lending

Is Automated Decisioning Stage in Loan Processing the Right Strategy?

July 22, 2024 precisateam No comments yet

At the forefront of the significant transformation in lending operations is the automated decisioning stage in loan processing—a technological leap that’s reshaping how banks and financial institutions evaluate and approve loan applications. Automated Decision-Making Systems, or ADMS leverage cutting-edge technologies such as Artificial Intelligence (AI), Machine Learning (ML), and advanced analytics to streamline the loan […]

Lending
Digital Lending

Tech-Driven Precision: Navigating RBI’s Updated Priority Sector Lending

July 17, 2024 precisateam No comments yet

The concept of priority sector lending has its origins in 1972. This was when the Reserve Bank of India (RBI) first introduced the concept of opening up credit access to economically underserved consumers. This step was considered to be an important one in the nation-building journey as it enabled development. In June 2024, the RBI […]

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