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Table Of Contents

THE PURPOSE
SOURCES OF REPAYMENT
COVENANTS
COLLATERAL
KNOW YOUR CLIENT
MANAGEMENT
POLITICS AND GOVERNMENT POLICY
THE POLITICAL EQUATION
THE ECONOMIC FACTOR
Foreign Exchange Reserves
Balance Of Trade
THE ECONOMIC CYCLE
The Lending Decision
INDUSTRY ANALYSIS
2. The Threat of Substitution
COUNTRY OUTLOOK
The growth in GNP.
THE PROJECT REPORT
THE AUDITORS REPORT
CASH FLOW
THE FINANCIALS
RATIO ANALYSIS
A) Profit and Loss Ratios
3. Net Profit to Sales
B) Balance Sheet Ratios
These deal with the relationship in the Balance Sheet such
1. Shareholders equity to Borrowed Funds
2. Current assets to Current Liabilities
3. Liabilities to Net Worth
C) Balance Sheet and Profit and Loss Account Ratios
D) Financial Statements and Market Ratios
Fixed Charge Cover
PROFITABILITY
ROE = Net income after tax-dividend on preference shares
LIQUIDITY
Quick Or Acid Test
Net Current Assets
Net Trade Cycle
Current Liability Coverage
LEVERAGE
Liabilities to Assets Ratio
Debt to Assets Ratio
Debt to Net Worth Ratio
Debt to Net Worth = Debt
ASSET MANAGEMENT / EFFICIENCY
Stock Turnover = Cost of goods sold
Average Payment Period
Average Payment Period = Trade Creditors
Net Working Investments Ratio
Net working investments ratio = Stocks + Debtors - Creditors
Total Asset Utilization
Net Fixed Asset Utilization = Sales
Net Fixed Assets
Net Profit Margin
EARNINGS
Cash earnings per share = EDBIT
Dividend Per Share
Dividend Payout Ratio
Dividend Payout Ratio = Dividend
APPROVAL
POST DISBURSAL
CONCLUSION
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Commercial credit analysis

Commercial credit analysis

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Published by virendrahari

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Published by: virendrahari on Jan 21, 2011
Copyright:Attribution Non-commercial

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02/17/2014

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