Ratio Formula Bank – Part 1: Balance Sheet, Liquidity, Leverage & Coverage Ratios

Ratio Formula Bank – Part 1: Balance Sheet, Liquidity, Leverage & Coverage Ratios This session covers the calculation side of the credit paper: every key balance sheet and ratio formula, the Bank's benchmark for each, the common exam trap, and one worked example per formula. Covered in this part: A. Balance sheet building blocks – TNW, Adjusted TNW, Quasi-equity, Capital Employed, NWC, TOL B. Liquidity – Current Ratio, Quick Ratio C. Leverage – DER, TOL/TNW, TOL/Adjusted TNW, Total Debt/EBITDA, FACR D. Coverage – DSCR, Average & Minimum DSCR, ISCR, ICR Also includes the Bank's benchmark ratios and the industry-wise CR/DER table for exposure above ₹50 crore. How to use: keep a pen and paper ready. When the worked example comes up, pause the video, solve it, then watch the working. Part 2 (P&L structure, profitability, turnover, holding periods, working capital assessment, break-even and project appraisal) follows in the next video. For internal learning and revision only.