شرح إفتراضي Campari بناء علي رغبة الاعضاء دراسة العميل بالانجليزي
كاتب الموضوع
رسالة
الهجان مستر وليد فريد
ادعية لوجة الله : عدد المساهمات : 4697 تاريخ الميلاد : 04/07/1975 تاريخ التسجيل : 21/09/2009 العمر : 49
موضوع: شرح إفتراضي Campari بناء علي رغبة الاعضاء دراسة العميل بالانجليزي الثلاثاء مارس 02 2010, 21:27
What factors is a banker likely to consider when lending to a
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 [b]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[ urpose 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 )
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شرح إفتراضي Campari بناء علي رغبة الاعضاء دراسة العميل بالانجليزي
الثلاثاء مارس 02 2010, 21:27
Banks adopt a structured approach when considering lending to customers 