Скачать или смотреть Banking Surrogate Income Assessment | ABB & Credit Summation Method | Free Excel + Policy PDF

Welcome to Part 2 of the Income Assessment Series specially designed for Credit Managers, Underwriters, and Housing Finance Professionals.

In this video, I have explained the Banking Surrogate Method used to assess income of self-employed or cash-based borrowers where traditional ITR is not available.

📚 Topics Covered:

What is Banking Surrogate Income Method?

How to calculate Average Banking Balance (ABB)

Credit Summation-based income analysis

Profile suitability and policy guidelines

Common mistakes and risk mitigation


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👤 By Shravan Pandey
Senior Credit Manager
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