n showing planned for the loan term income and expenses.
. Tehniko feasibility study loan, reflecting the economic efficiency and cost recovery during the period for which he claims credit.
. Kopii contracts (agreements) for the event, which is requested under the credit, with specific addresses of possible buyers.
. Documents to ensure timely fulfillment of obligations of the Borrower under the loan received: bail bonds, Bank letter of guarantee, which maintains the Borrower «s account or other bank, a copy of the letter of the Borrower to the Bank, the borrower of the right of the creditor bank to withdraw funds from an undeniable mark on the Bank »s borrower receipt of this letter for execution.
. Help about opening a bank account in other banks. (Internal Revenue Service).
. Documents establishing ownership of the borrower's collateral (the pledge of real estate - Act evaluation Russian Society of Appraisers or territorial its branch).
. Other documents requested by the bank.importance is the borrower's credit history. If it is already credited to the Savings Bank and at one time put out the principal and interest thereon, then the probability of incurring losses reduced. Likely loan and investment committee will make a positive decision on granting loans to this borrower. However, in any case, a lot of attention among the gathered information given accounting client. Track the dynamics of financial and other indicators. Let us see how analysis of the balance sheet and its annexes and to reduce the risk in Samara bank AK SB RF. (Reporting borrower number is contained in annex 1). Samara bank AK SB RF has its own method of analysis.method of analysis of credit risk in the bank Samara AK SB RF.determine the creditworthiness of the Borrower held kollichestvenny (assessment of the financial condition) and qualitative risk analysis.purpose of risk analysis is to identify the opportunities, the amount and terms of the loan.
. Otsenka financial condition of the Borrowerof the financial condition of the Borrower is made taking into account trends in changes in financial condition and the factors influencing these changes.this purpose it is necessary to analyze the dynamics of the estimates, the structure of balance sheet, asset quality, the main directions of economic and financial policy of the company.calculating indicators (ratios) used the precautionary principle, that is, the asset balance restatement of items downward based on expert assessments.
.1. To assess the financial condition of the Borrower uses three estimates:
?? liquidity ratios;
?? ratio of debt to equity;
?? turnover ratios and profitability.
1. Liquidity ratios.
Characterize the security company working capital for business activities and timely repayment term liabilities.liquidity ratio K1 (instant liquidity) describes the ability to service debt momentary and defined as the ratio of cash and highly liquid short-term securities to the most urgent obligations of the company in the form of short-term bank loans, short-term loans and various payables:
+ Short fin.vlozheniya=------------------------------------------------------------------------------------- times . «Current liabilities»- (Income Funds bud.periodov + consumption + Provisions for liabilities and charges)
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