Valuation for Banking Purpose


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Valuation for banking purposes involves assessing the value of assets, liabilities, and financial instruments held by banks and financial instituti ...

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Accurate Loan Portfolio Valuations

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Valuation for Banking Purpose

  • Share financial information

    Customer shares company’s financial data

  • Value is calculated

    Valuer calculates enterprise valuation

  • Valuation Report is issued

    Merchant Banker issues signed report

Arrow pointing to next blockArrow pointing to next block

Share financial information

Customer shares company’s financial data

Arrow pointing to next blockArrow pointing to next block

Value is calculated

Valuer calculates enterprise valuation


Valuation Report is issued

Merchant Banker issues signed report

Contents of Report

  • overview


    The name and registration number of the Merchant Banker and details of the company requesting for Valuation for Banking Purpose

  • scope-of-work

    Scope of Work

    Outlines the specific shares being valued, along with any limitations or restrictions on the valuation process.

  • methodology


    Details about the approaches and methods used to determine the value of the share.

  • market-analysis

    Market Analysis

    Information about the relevant market conditions, trends, and factors that may impact the value of the share.

  • valuation-results

    Valuation Results

    The final estimated value of the asset, along with any supporting calculations or analyses.

  • valuer-declaration

    Merchant Banker's Declaration

    A statement by the Merchant Banker confirming that the report has been prepared in accordance with relevant laws and standards.

  • signature-and-stamp

    Signature and Stamp

    The report is signed by the Merchant Banker, along with their official stamp or seal.

Benefits of Valuation for Banking Purpose

  • credibility


    The report is prepared by a Merchant Banker/Registered Valuer/CA which lends credibility to the valuation process and assurance to stakeholders.

  • regulatory-compliance

    Regulatory Compliance

    Valuation for Banking Purpose ensures compliance with the provisions of the Income Tax Act, SEBI regulations and RBI guidelines.

  • assessment

    Objective and Unbiased Assessment

    It provides an impartial and unbiased valuation, free from any conflicts of interest.

  • risk-mitigation

    Risk Mitigation

    Valuation for Banking Purpose Pricing helps mitigate the risk of disputes or disagreements related to the value of the asset.

  • reporting-and-accounting

    Financial Reporting and Accounting

    Premium per share as mentioned in the Valuation Report is used for financial reporting purposes as per accounting standards compliance.

  • accountability-and-ethics

    Professional Accountability and Ethics

    The preparation of a Valuation for Banking Purpose demonstrates adherence to these standards, which enhances trust and confidence in the valuation.

  • methodology

    Documentation of Methodology and Assumptions

    Transparency in method, approach, and assumptions helps stakeholders understand how the value was determined.

Documents Required for Valuation for Banking Purposes

  • finance

    Loan Documents

    Documentation related to loan portfolios, including loan agreements, payment histories, collateral agreements, and details of any associated guarantees or securities.

  • Application Draft

    Asset Registers

    Detailed lists of the assets being valued, including descriptions, conditions, purchase dates, and historical cost.

  • appraisal

    Appraisal Reports

    Professional appraisal reports for significant assets such as real estate, machinery, or other collateral items that secure loans.

  • warning

    Risk Assessment Reports

    Analyses of the risk associated with the assets, including credit risk evaluations, market risk assessments, and liquidity risk evaluations.

  • regulatory-compliance

    Regulatory Compliance Documents

    Documents ensuring compliance with relevant banking regulations, such as those related to capital adequacy, liquidity requirements, and risk management.

  • analytics

    Market Analysis Reports

    Current market conditions affecting the valuation of assets, including trends in real estate, currency fluctuations, interest rate changes, and other economic factors.

  • cost-effective_15171193

    Credit Reports

    Credit reports of borrowers to assess their creditworthiness and default risk, which can affect the valuation of loan portfolios.

  • checklist

    Historical Valuation Records

    Previous valuation reports of the assets or loan portfolios, providing a history of value changes and justifications for those changes.

  • reports

    Collateral Valuation Reports

    Specific reports detailing the current market value of collateral held against loans, are essential for determining loan-to-value ratios.

  • legal

    Legal Documents

    Any legal documents that could impact asset values, such as pending lawsuits, liens on property, or regulatory restrictions.

  • Comprehensive search

    Inspection Reports

    Reports from physical inspections of the assets, where applicable, to verify condition and existence.

  • meeting

    Board and Management Reports

    Internal reports from the bank’s board or management that discuss asset valuations, risk exposures, and strategies for asset management.

  • letter

    Audit Reports

    Internal or external audit reports that include assessments of asset valuations and adherence to accounting standards.

  • statement

    Insurance Policies and Claims

    Documentation related to insurance coverage of assets, which may impact their net value.


  • valuation-results

    Determine Enterprise Valuation

  • description_black_24dp

    Issue of Valuation Report signed and stamped

Frequently asked Questions

Why are accurate asset valuations important for banks?


Accurate asset valuations are crucial for banks to make informed decisions about lending. Loan portfolios make up a significant portion of a bank’s assets.

How do valuations help with loan applications and restructuring?


When applying for a loan or restructuring existing debt, securing the best terms depends on proving the value of your assets. Our valuation services provide banks with a reliable assessment of your assets’ worth. This strengthens your loan application and increases the likelihood of securing favourable terms.

What is fair value accounting, and how does it relate to valuations?


The growing trend of fair value accounting for bank loans necessitates accurate asset valuation. Fair value accounting requires financial institutions to report assets at their current market value. Our team utilizes established methodologies to determine the fair market value of your assets, ensuring your financial statements comply with these accounting standards.

How do valuations help banks manage risk?


Banks manage risk by understanding the potential losses associated with their loan portfolios. Our valuations provide valuable insights into the true value of loan collateral, such as property or equipment. This empowers banks to make informed decisions regarding risk exposure and provisioning for potential loan defaults.

How is property valuation done for bank loans?


Banks use professional appraisers who consider location, condition, and market trends to determine a property’s value for loan purposes.

How do you calculate the asset quality ratio for banks?


The asset quality ratio (Assets / Total Loans) measures a bank’s ability to repay depositors using its loan portfolio.

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  • Shreya Doshi

    Dealing with banking transactions can be complex, but ezyLegal made the process surprisingly supportive and manageable. Their valuation for banking purpose not only provided valuable insights into our assets' value but also offered practical guidance on structuring financing arrangements effectively. I appreciate ezyLegal's supportive approach and willingness to assist us throughout the financing process. With their expertise by our side, I'm confident that we can achieve our banking objectives with success.
  • Rachit Kalra

    Transparency is crucial in banking valuation, and ezyLegal's report was conducted with complete transparency and integrity. The valuation methodologies and assumptions were explained clearly, allowing all parties involved in the financing transaction to understand the basis for the valuation conclusions. I appreciate ezyLegal's commitment to delivering reliable information that fosters trust and confidence among banking partners.
  • Shraddha Jain

    Time is of the essence in banking transactions, and ezyLegal understands this better than anyone. Their valuation for banking purposes was not only thorough and insightful but also delivered promptly, ensuring timely financing decisions. I appreciate ezyLegal's commitment to efficiency and professionalism, which has made the financing process smoother and more manageable for our business.
  • Suyash Singh

    ezyLegal's valuation for banking purposes provided valuable insights into our assets' value and risk factors, enabling us to secure financing on favourable terms. The detailed analysis helped us understand the collateral's strengths and weaknesses, allowing us to mitigate risk and maximize the value of our banking relationships. I appreciate ezyLegal's expertise and dedication to providing objective and insightful valuation services that support our banking needs.
  • Vidhya Asani

    ezyLegal's valuation for banking purposes provided valuable strategic insights into our assets' value, enabling us to make informed financing decisions. The detailed analysis helped us understand the collateral's value and risk profile, allowing us to structure financing arrangements that align with our business objectives. I appreciate ezyLegal's expertise in banking valuation and its commitment to delivering reliable valuation services that support sound financial decision-making.

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