os of other elements of current assets (finished goods, work in process and raw materials) and accounts payable.are defined as percentages or fractions.profitability (or profit margin ) K5:
Profit from sales lines 050 form number 2
-------------------------------- Or K5=--------------------------. from sales line 010 form number 2
on investment in the enterprise:
income p.140 form number 2
--------------------------- Or ---------------------------. total balance str.699
.2. The main performance indicators are the coefficients K, K2, K3, K4, K5 and. Other indicators of turnover and profitability are used for common characteristics and are additional to the first five indicators.of the calculation five coefficients is to grant the Borrower categories for each of these indicators by comparing the values ??obtained with established sufficient. Next, we determine the amount of points for these indicators according to their weights.
breakdown of figures into categories based on their actual values:
OddsCategory 1Category 2Category 3K10.2 or higher0.15-0.2Less than 0, 15K20.8 or higher0.5-0.8Less than 0.5K32.0 or higher1.0-2.0Less than 1.0K4Except trade1 .0 or higher0.7-1.0Less than 0.7For Business0.6 or higher0.4-0.6Less than 0.4K50.15 and aboveless than 0.15Nerentab. determine the rating of the borrower along with other factors, the value S. The formula for calculating the amount of points S has the form:
=Weight indicator * Weight Category K1 + K2 * Category Indicator Indicator weight * + Category + K3 * Weight Indicator Weight Category K4 + K5 * Category index.
the rest of the third group of indicators (turnover and profitability) are not installed, or the optimal critical values ??due to the high dependence of these values ??on the specific company, sector and other specific conditions.of the calculation of these indicators is based mainly on a comparison of their values ??in the dynamics.Samara AK Bank SB RF counting all the necessary coefficients produced by computer. Accounting statements entered in a special program that calculates various indicators. On their basis a computer determines the ranking of the Borrower. Credit Department inspector shall make appropriate calculations and print the data is stored in on this kreditozaemschiku. (Annex 2.3)
. Qualitative analysis based on the use of information that can not be expressed in quantitative terms. For this analysis uses information provided by the Borrower, security and database information.this stage, the risks are assessed ::
Market conditions in the industry;
The trend in the development of competition;
The level of state support;
Importance of the enterprise within the region;
The risk of unfair competition from other banks;:
The risk of redistribution of share capital;
Consistency positions of major shareholders; of business:
Subordination (external financial structure);
Formal and informal regulation of the activity;
Lice...
