bank_management(E)_Chapter11_part1课件.ppt

Bank ManagementWeek 10 Evaluating Commercial Loan Requests;1. Fundamental Credit Issues 2. Evaluating Credit Request: A Four-Part Process Overview of Management, Operations, and the Firms Industry Common Size and Financial Ratio Analysis Cash Flow Analysis Financial Projections 3. Risk-Classification Scheme 4. 商业银行授信工作尽职指引;1. Fundamental credit issues;Five key questions/issues:;Character and quality of data;2. Evaluating credit requests: A four-part process;Step 1: Overview of management, operations and industry;诱驮辽概洞那裕缠辛览患啤窍盈塘不潮赔邻赶搂骗怠岭舅唱找嘿板助脓祟bank_management(E)_Chapter11_part1课件bank_management(E)_Chapter11_part1课件;Step 2: Common size and financial ratio analysis;Exhibit 16.3 Wades Office Furniture - Income Statement;Financial ratio analysis;Liquidity and activity ratios;Wades Office Furniture: Liquidity Ratios;Leverage ratios;Wades Office Furniture: Leverage Ratios;Profitability ratios;Wades Office Furniture: Profitability Ratios;Step 3: Cash flow analysis;Cash flow analysis: Cash pays a loan, not net income;Sources and uses of cash;Understanding sources and uses;There are two types of cash flow statements;Four sections in either cash flow statement.;Converting the income statement into a cash based income statement;Converting the income statement into a cash based income statement;Cash based income statement (cont.);Wades Cash Flow from Operations;Wades Cash Flow Statement (investing, financing and cash Sections).;Step 4: Financial projections;Projections of financial condition;Wades financial projections assumptions: Most likely circumstances, income statement;Wades financial projections assumptions: Most likely circumstances, balance sheet;Pro Forma: Income Statement;Pro Forma: Balance Sheet (Assets);Pro Forma: Balance Sheet (Liabilities);Pro Forma: Balance Sheet (Equity);Pro Forma: Determining the “Plug Figure”;3. Risk-classification scheme;4. 商业银行授信工作尽职指引;授信工作尽职要求;Key Readings: