Corporate lending can be challenging. Credit Officers are overwhelmed by the amount of information they have to process about a company to determine the facilities granted to them.

Credit officers start by examining the Balance Sheet and P&L statement and restate this as per the Bank's norms. This exercise yields a true picture of the state of finances of the corporate. This makes it possible for the credit officers to compare the financial health of the company with those of others in the same industry and sometimes even across industries.