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Bank Financial Statement Analysis

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Short-term vs Long-term Cash Flow Analysis
Digital Lending

Addressing the Short-term vs Long-term Cash Flow Analysis Dilemma

June 13, 2025 precisateam No comments yet

Delinquencies in India increased by 44% among personal loan borrowers between Dec ’23 and June ’24. This highlights the importance of accurate and informed decision-making during loan approvals and, more importantly, the need to rethink how lenders approach cash flow analysis of individual and commercial borrowers. Although conventional lenders in India, including banks, typically rely […]

Alternative Credit Scoring Using Bank Statement Analysis
Bank Statement Analysis, Uncategorized

The Art and Science of Alternative Credit Scoring Using Bank Statement Analysis

June 4, 2025 precisateam No comments yet

Why is alternative credit scoring gaining momentum in India? Before exploring the reasons, let’s take a quick look at the context. Lenders disbursed over 383 million loans in FY 23-24 alone. Even though the financial market has shown this phenomenal growth, more than 160 million Indians remain “credit invisible”. In fact, 22% of Indian adults […]

Paper vs. Digital Bank Statements for Loan Approval: What Lenders Need to Know
Bank Statement Analysis

Paper vs. Digital Bank Statements for Loan Approval: What Lenders Need to Know

November 30, 2024 precisateam No comments yet

Evaluating an applicant’s creditworthiness is essential in the loan approval process. Analysing bank statements for loan approval offers lenders a comprehensive view of the applicant’s credit health. Lenders have traditionally relied on paper statements for credit health assessment. However, as lending institutions continue to digitise and automate their operations, many now offer the option of […]

Financial Statement Analysis
Bank Statement Analysis

Unlock Hidden Insights: Advanced Financial Statement Analysis Tools for Modern Lenders

October 30, 2024 precisateam No comments yet

Traditional financial statement analysis methods are increasingly becoming obsolete. They primarily rely on basic tools such as the Profit and Loss Account and Balance Sheet, failing to deliver comprehensive insights into a company’s financial health.  Furthermore, the heavy dependence on historical data can lead to outdated conclusions and predictions that do not reflect current market […]

Bank Statement Analysers
Bank Statement Analysis

8 Important Metrics Bank Statement Analysers Evaluate and Track

October 26, 2024 precisateam No comments yet

Indian banks have written off a whopping $9.9 trillion worth of loans in the last five years, out of which they could recover about $1.84 trillion. It is also worth noting that around 2,623 wilful defaulters owe around $1.96 trillion to banks in India. These figures reinforce the need for tighter scrutiny of the borrower’s […]

Bank Statement Analyser
Bank Statement Analysis

How Precisa’s Bank Statement Analyser Tool Benefits Loan Approvals

October 14, 2024 precisateam No comments yet

India’s digital lending market is on the brink of a revolution, with projections indicating a surge from 1.8% of retail loans in FY22 to an impressive 5% by FY28. This rapid growth is fueled by the increasing demand for convenient, flexible, and swift loan approvals, particularly among younger generations. To capitalise on this trend and […]

Credit Report Analysis
Bank Statement Analysis

Credit Report Analysis: Trends Shaping the Future of Risk Assessment in Lending

October 4, 2024 precisateam No comments yet

Analysing a potential borrower’s creditworthiness comes with multiple challenges. For instance, lenders struggle with limited access to a borrower’s financial data, manual underwriting processes, and inadequate fraud detection techniques. These challenges reduce the accuracy of credit report analysis. On the other hand, borrowers remain at the receiving end of a slow turnaround on loan applications. […]

Role of Cloud Computing in Streamlining Bank Statement Analysis
Bank Statement Analysis

Understanding the Role of Cloud Computing in Streamlining Bank Statement Analysis

September 30, 2024 precisateam No comments yet

Rapidly growing transaction volume and the ever-increasing threat of data breaches make it imperative for banks to look for innovative solutions to ensure quality service, ease and safety to their customers. In this backdrop, cloud computing is reshaping how banks analyse vast amounts of sensitive data, making operations faster and more secure. This technology enables […]

financial statement analysis
Bank Statement Analysis

Decoding Consumer Behaviour: Unraveling Its Impact on Financial Statement Analysis

September 13, 2024 precisateam No comments yet

A customer’s habits play an important role in determining their financial trajectory. For instance, the inability to pay EMIs on time can have an impact on one’s credit score, net worth, assets, and debt. Access to such vital data related to past customer behaviour can help businesses predict future conduct. In particular, adopting technologies like […]

Financial Statement Analysis
Bank Statement Analysis

Harnessing Predictive Analytics: Future Trends in Financial Statement Analysis

September 5, 2024 precisateam No comments yet

Financial statement analysis generally assesses a firm’s financial health and performance. The income statement, cash flows, balance sheet, etc., present historical data in a structured form, aiding in informed decision-making. Financial statements are useful in understanding what has happened but are limited in forecasting ability. Now, imagine a proactive tool that can go beyond the […]

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