If a non-banking financial company (NBFC) official receives a text message from a banker saying “all is well”, what does the banker actually mean? Is he making a vanilla statement saying everything is fine at his end? The company secretary of a large corporation tells me this means the loan for which the NBFC is lobbying with the bank as a broker is through. “All is well” indicates the banker’s confirmation of a deal. At the next stage, more text messages follow.