Lecture 58: Gearing & Leverage Ratio Explained | Debt to Equity ratio Formula

📊 Understand Gearing & Leverage Ratios in Banking (Also called Debt-to-Equity Ratio)
In this in-depth video, learn how banks calculate Gearing Ratio, Leverage Ratio, and Solvency Ratios and how they impact your loan eligibility and risk analysis.

You will learn:

✅ What is Gearing Ratio and Leverage Ratio?
✅ Formula for Debt to Equity Ratio, TOL/TNW, TOL/ATNW, and more.
✅ Why these are called solvency ratios?
✅ What is Quasi Equity and its treatment in ratio analysis?
✅ How banks treat contingent liabilities and bank guarantees.
✅ How to improve your Gearing/Leverage ratios to meet bank norms.
✅ Difference between Gearing vs. Leverage ratios.
✅ Ideal ratio levels accepted by banks as per internal credit policy.
✅ Link to CMA data projections and how this fits in full financial analysis.

📌 These concepts are essential for credit managers, business owners, finance professionals, and CA/CMA/CS/MBA students.

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