Campari بناء علي رغبة الاعضاء دراسة العميل بالانجليزي
 

What factors is a banker likely to consider when lending to a business?


®Banks adopt a structured approach when considering lending to customers

®There are several mnemonics which can be used to remember the principles
One of them are CAMPARI
CHARACTER
®How long has the borrower been known to the bank/market?
®Is the borrower (senior management) reliable, person/s of integrity?
®Is the company’s accounts conducted satisfactorily?
®Any previous borrowing was repaid satisfactorily?
®An enquiry must be made ( market / other banks)




ABILITY
®Bank will assess the business ability of the proprietor(s)/senior management?
®The audited financials in respect of past performance will provide useful information?
®Are the proprietor(s)/senior management experienced in their particular business? Are they professionally qualified?
MARGIN
®The term margin got more than one meaning . However, it is used here to reflect the bank’s net pricing or profit margin (interest rate - cost)
®Bank might charge an arrangement fee based on the amount of lending.
®Interest rate to companies is usually lower than that for personal lending.
PURPOSE
®Purpose must be legal.

®Business usually borrow either:
1.For working capital/working investment (ACC)
2.For purchase of fixed assets such as premises, plant and machinery or ‘vehicles’


AM0UNT

®

Is the amount requested correct or is it too much or too little?

®

Bank will want to see evidence that the business has carried out some assessment of the amount needed (cash flow forecast / projections)

®

How does the amount requested compare with the customer’s own resources ( net worth )

®

As a rough guideline, banks prefer to lend less than the net worth, unless there are special circumstances ( such as lending for short term with definite source of repayment )


NT

مشاركة: Campari
 

REPAYME

®

What is the source of repayment?

®

Is the source definite and identifiable?

®

In most cases, repayment is to come from profits.

®

Bank will examine audited financial statements of business for the past few years to see if profits have been made

®

Bank would like to see a forecast of likely profits to be made in the future.

®

Unless bank is satisfied that sufficient profits can be made, the lending will be refused.


NT

مشاركة: Campari
 

INSURANCE
SECURITY / COLLATERAL

®What security can the customer offer?
®Does the business own assets which can be offered as security?

مشاركة: Campari بناء علي رغبة الاعضاء دراسة العميل بالانجليزي
 

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مشاركة: Campari بناء علي رغبة الاعضاء دراسة العميل بالانجليزي
 

good job but let me soon prepare a detailed file by mswoerd or another program about that

مشاركة: Campari بناء علي رغبة الاعضاء دراسة العميل بالانجليزي
 

شكررررررررررررررررا

مشاركة: Campari بناء علي رغبة الاعضاء دراسة العميل بالانجليزي
 

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