Insights | Decipher Financials

08 Sep 2025

Corporate Defaults and Bank Exposure: What are NPAs

Non-performing assets are a major concern for banks worldwide. In simple terms, an NPA is a loan that has stopped generating income for banks due to non-payment by the borrower for a specific duration, typically 90 days. What qualifies as an NPA?

19 Aug 2025

Understanding the Crypto Cycle: Bitcoin, Ethereum, and the Regulatory Ripple Effect

Cryptocurrency is a decentralized digital asset having many coins, like Bitcoin and Ethereum, that use blockchain technology to enable peer-to-peer transactions without a central authority.

04 Aug 2025

Structured Credit: Revival of CDOs, ABS, and MBS in Modern Portfolios

Structured credit refers to a financial instrument that is created by assembling a pool of underlying assets like loans, mortgages, and receivables. These assets are bundled together, turned into securities, and then sold to investors in different slices, called "tranches".

25 Jul 2025

REITs: How Do They Work

Real Estate Investment Trusts (REITs) act like a bridge between individual investors and large-scale real estate ventures. Instead of buying a property individually, many investors come together and put their funds together and form a REIT.

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08 Jul 2025

Behavioral Finance and Its Impact on Investing

Behavioral finance questions the norms that our emotions do influence our decisions and can even lead to irrational financial choices.

23 Jun 2025

ESG and its importance in the Finance Industry

Environmental, Social, and Governance factors used to assess the sustainability and ethical implications of investment decisions.

16 Jun 2025

Private Credit Market

Private credit market is transforming significantly, fueled by innovation, rising investor appetite, and evolving global economic conditions. As companies increasingly turn to alternative financing, private credit has emerged as a flexible and attractive option, challenging traditional lending models

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03 Jun 2025

Payment-In-Kind

PIK loans have become a versatile financing solution in the post-pandemic landscape, providing temporary relief to companies grappling with liquidity constraints.

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01 Mar 2025

OPEC’s Impact on the International Oil Prices

OPEC, or the Organization of the Petroleum Exporting Countries, was created back in 1960 to bring oil-producing nations together and today, it includes 13 member countries, with heavyweights like Saudi Arabia, Iran, Iraq, and the United Arab Emirates leading the pack. The main idea behind OPEC is simple: to work as a team, ensuring oil prices stay stable so that member countries can count on steady income while keeping the global oil market balanced.

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11 Feb 2025

Integrating Machine learning in Predictive Analytics: Unlocking deeper insights!

Machine learning is increasingly utilized for precise forecasting in sectors like finance and healthcare, excelling at managing vast datasets and adapting over time. While it requires ample data, expert oversight, and can occasionally lead to overfitting, it remains essential for advancing predictive analytics in today’s rapidly evolving landscape.

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21 Jan 2025

Predatory Pricing: A Real Threat to Small Businesses

Have you ever noticed how a product that typically costs $100 can suddenly be available for just $40? Or how some service providers manage to offer their services for free? This isn’t just a marketing gimmick—it’s often a tactic called predatory pricing, and it can have serious implications for our market and small businesses.

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