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
__________________
لا الـــــــــــه إلا الله
if you fail to plan you plan to fail
كلنا نملك القدرة علي إنجاز ما نريد و تحقيق ما نستحق
محمد عبد الحكيم
التعديل الأخير تم بواسطة 1accountant ; 04-04-2009 الساعة 08:52 PM