Video 10: How Bankers Analyse Profit & Loss Account | Live ₹126 Cr P&L Example

Welcome to the Profit & Loss Account Analysis Training Series, where we decode real P&L statements the same way professional bankers, credit analysts, and rating agencies evaluate them.

In this video, I take a real Profit & Loss Account of an entity with turnover of approx. ₹126 crores, and break it down line by line using the exact approach followed by:

✔ Banks
✔ NBFCs
✔ Project finance teams
✔ Credit managers
✔ Risk analysts

This is completely practical, not theoretical.

You will learn:
✔ How bankers read and interpret each component of the P&L
✔ How revenue quality and sustainability are judged
✔ What margins (GPM & NPM) reveal about business strength
✔ How interest coverage, DSCR, and profitability ratios are calculated
✔ How to spot red flags in expenses, finance cost, depreciation, and non-operating income
✔ How cash profit is derived and why it matters
✔ How lenders form a credit opinion using P&L trends
✔ Complete real-life calculations on a ₹126 crore turnover business

This video is perfect for:

• Bankers
• CA students
• MBA Finance students
• Business owners
• New credit analysts
• Anyone who wants to learn real credit appraisal with live examples

If you want to truly understand how financial analysis is done by bankers, this series will give you unmatched clarity.

#ProfitAndLoss #FinancialAnalysis #BankersAnalysis #CreditAppraisal #PLAnalysis #BalanceSheetAnalysis #CreditTraining #FinanceForBeginners #CAStudents #MBAFinance

Join this channel to get access to perks:
   / @ankushjain  

profit and loss account analysis, P&L analysis for bankers, credit appraisal training, how bankers analyse financial statements, profit and loss account explained, real company P&L example, financial ratios explained, DSCR calculation, interest coverage ratio, EBITDA calculation, turnover 126 crore example, credit analysis tutorial.