LEADER 05525nam 2200757Ia 450 001 9910968058403321 005 20200520144314.0 010 $a9786611003166 010 $a9781281003164 010 $a1281003166 010 $a9780080472409 010 $a0080472400 035 $a(CKB)1000000000350476 035 $a(EBL)288901 035 $a(OCoLC)469402324 035 $a(SSID)ssj0000132223 035 $a(PQKBManifestationID)11132189 035 $a(PQKBTitleCode)TC0000132223 035 $a(PQKBWorkID)10028113 035 $a(PQKB)11199235 035 $a(Au-PeEL)EBL288901 035 $a(CaPaEBR)ebr10169665 035 $a(CaONFJC)MIL100316 035 $a(CaSebORM)9780750659031 035 $a(MiAaPQ)EBC288901 035 $a(OCoLC)824140440 035 $a(OCoLC)ocn824140440 035 $a(FR-PaCSA)10230729 035 $a(FRCYB10230729)10230729 035 $a(EXLCZ)991000000000350476 100 $a20040331d2004 uy 0 101 0 $aeng 135 $aurcn||||||||| 181 $ctxt 182 $cc 183 $acr 200 10$aCredit risk management /$fAndrew Fight 205 $a1st edition 210 $aOxford $cElsevier$d2004 215 $a1 online resource (265 p.) 225 1 $aEssential capital markets 300 $aDescription based upon print version of record. 311 08$a9780750659031 311 08$a0750659033 320 $aIncludes bibliographical references and index. 327 $aCover; Credit Risk Management; Contents; Foreword; 1 Introduction to credit risk management; What is the role of credit analysis?; Framework for credit analysis; Types of lending; Temporary or seasonal finance; Working investment finance; Cash-flow lending; Types of financial statements; The company annual report; Other types of financial statements; Contents of financial statements; The balance sheet; The P/L statement; Diagram of balance sheet and P/L statement; Statement of sources and applications of funds; Other elements of the annual report; Notes to the financial statements 327 $aAuditors' remarks Directors' information; Different presentations of financial statements; Problems with financial statements and auditors; Analytical methodology; Spreading the statements; Sample blank spreadsheet; Analysing the spreadsheets; Using comparative financial ratios; Peer group analysis; Outside information; Information available direct from the borrower; Bank and trade enquiries; Business registry databases; Bureau van Dijk AMADEUS electronic database; Complete AMADEUS spreadsheet (Vodafone); Credit reporting and rating agencies; Industry information; Reference materials 327 $aPeriodicals Exercises; Questions; Answers; 2 Business risks; Introduction to business risks; Borrower risk; Transaction risk; The 'new economy'; Introduction to non-financial and transactional risks; Borrower risk; Financial risk; Business risk; PEST analysis; SWOT analysis; Porter's risk assessment matrix; Porter's five competitive forces; Transaction risk; Some questioning techniques; Who, What, Where, When, Why, and How; Nature of the obligor; Example A - Memorandum and Articles of Association; Example B - corporate registration fees; Obligors with unlimited liability; Management 327 $aMacro-economic risk areas Understanding the industry; Understanding the markets; Understanding the products; Understanding manufacturing/performance risk; Micro-economic risk areas; Growth; Corporate strategy and plans; Business plan; Management; People; Land and buildings; Plant and machinery; Infrastructure; Exercises; Questions; Answers; 3 Financial risks; Financial statement analysis; Introduction to financial statement analysis; The annual report and accounts; About published accounts; Introduction; The Companies Acts; Filing information with the Registrar of Companies 327 $aThe statement of accounting policies Accounting premises; Accounting bases; Accounting policies; Points of interaction between the balance sheet and P/L; Consequences of abnormal accounting policies; The auditor's report; Auditor's rights; Auditor's duties; Auditing Practices Board; Summary; Auditor's opinion; Other opinions; The directors' report; Stock Exchange requirements; Example of a directors' report; The balance sheet; Introduction; Simple balance sheet; Annual report balance sheet; Explanation of balance sheet illustration; Debtors; Companies have different debtor profiles 327 $aTrade debtors/turnover 330 $aCredit Risk Management will enable general bankers, staff, and credit analyst trainees to understand the basic information and principles underlying credit risk evaluation, and to use those underlying principles to undertake an analysis of non financial and financial risks when preparing a credit proposal. Since the best loans are the ones that do not present problems during the repayment phase, the authors also focus on elements relating to the proactive management of those loans during their inception.This book introduces:*Credit analysis, approval and management proce 410 0$aEssential capital markets. 606 $aCredit$xManagement 606 $aRisk management 615 0$aCredit$xManagement. 615 0$aRisk management. 676 $a332.7 700 $aFight$b Andrew$01598050 801 0$bMiAaPQ 801 1$bMiAaPQ 801 2$bMiAaPQ 906 $aBOOK 912 $a9910968058403321 996 $aCredit risk management$94337589 997 $aUNINA