1. A Banker’s Guide to an Enterprise GrowthBy
R K Das
On June 26, 2019

2. Ten Business Growth Commandments
1. Improve CIBIL Record & Ranking
Don’t default, even personal credit card payments.
Don’t even wait for the last date of repayment.
Don’t allow consultants to send your loan application to more than one bank.

3. Ten Business Growth Commandments
Improve Credit Rating
Management
Business
Financial
Market
It is not about sales growth Dear,
but more about PROFITS.
Profits improve your Margin, EPS, Networth, Book Value, ROCE, DSCR
Take the help of an expert who knows how to improve credit rating.

4. Ten Business Growth Commandments
3. Strengthen Corporate Governance
Strong Board and Management. Spell out succession plan.
Compliance to Statutory and Regulatory rules.
Transparency in balance-sheets
Get periodically checked by experts.

5. Ten Business Growth Commandments
4. Always know the changes in Govt. rules.
Take advantage of Central and State Governments schemes / benefits / private initiatives.

6. Ten Business Growth Commandments
5. Improve profit through Effective Cash Management
Avail Best deposit rate for idle cash
Cheapest insurance for factory and business
6. Improve profit by increasing Productivity at office and factory level
Leverage technology in every business aspect
Modern machines
Energy Efficiency – upto 25% cost saving / 25% increase in profit
Lean Six Sigma

7. Ten Business Growth Commandments
7. Improve the image of promoter through good IR / PR
Image should be apolitical, business oriented, positive approach by attending various seminars / conferences / publications
Greatly help in raising loans and equity
Constantly search for market expansion and diversification
in-house research / online / expert agencies / government procurement

8. Ten Business Growth Commandments
9. Don’t hire consultants who promise free work
They are getting fees from banks who are charging you actually more through various hidden charges.
So, go by RoI, not simply lower interest rate.
10. Health is Wealth. Target Health MBBS.
Health of Mind, Body, Balance-sheet and Staff.

9. HOW WE CAN SUPPORT YOU ANY LOAN ANY TIME Term Loan / Working Capital
SME loans & Subsidies, if applicable
Mid-Large Corporate loans
Export – Import loans / Trade Finance
Unsecured business loans
Collateral-free loans upto Rs. 1 crore
Factoring – Bills discounting
Loan against Property and Shares
Foreign funding, non-recourse, collateral-free
External Commercial Borrowings
CPs / NCDs

10. HOW WE CAN SUPPORT YOU EQUITY / QUASI-EQUITY
Venture Capital / Private Equity / Venture Debts
Domestic and Foreign Fund raising
Start-up funding
IPO / Pre-IPO funding
Funding against shares

11. HOW WE CAN SUPPORT YOU NPA RESOLUTION OTS OTS Funding
Restructuring Finance
NCLT Resolution
Business Takeover

12. HOW WE CAN SUPPORT YOU EXPERT ADVISORY SERVICES Improve Credit Rating
Strengthen the Board
Strengthen Corporate Governance as per Companies Act / SEBI rules / global good practices
Improve IR / PR

13. HOW WE CAN SUPPORT YOU ADVISORY EXPERT SERVICES
Improve productivity – higher profit
Avail benefits of Govt. schemes
Effective Cash / Insurance Management
Finance / SME Business Education
Value Creation for the Company
Strong networking services at domestic and international level.

14. ALL THE BEST
THANK YOU