Commercial loan analysis: principles and techniques for credit analysts and lenders
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Chicago, Ill. u.a.
Probus Publ.
1994
|
| Schriftenreihe: | A bankline publication
|
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | IX, 160 S. |
| ISBN: | 1557387168 |
Internformat
MARC
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| 245 | 1 | 0 | |a Commercial loan analysis |b principles and techniques for credit analysts and lenders |c Kenneth R. Pirok |
| 264 | 1 | |a Chicago, Ill. u.a. |b Probus Publ. |c 1994 | |
| 300 | |a IX, 160 S. | ||
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| 650 | 4 | |a Crédito, Control del - Manuales | |
| 650 | 4 | |a Empresas de negocios - Financiamiento - Estudio con casos | |
| 650 | 4 | |a Préstamos bancarios - Estudio con casos | |
| 650 | 4 | |a Bank loans |x Decision making | |
| 650 | 4 | |a Commercial loans |x Decision making | |
| 650 | 4 | |a Financial statements | |
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| 999 | |a oai:aleph.bib-bvb.de:BVB01-006761555 | ||
Datensatz im Suchindex
| _version_ | 1804124577777844224 |
|---|---|
| adam_text | TABLE OF CONTENTS
Acknowledgments vii
Preface ix
Chapter 1 Introduction to Commercial Loan Analysis:
A Crucial Bank Function 1
Commercial Loan Analysis 1
Case Study 1
Chapter 2 Spreading and Analyzing Financial
Statements 5
Spreading 5
Assets 6
Liabilities 7
Income Statement 7
Analysis of Spreads 8
Case Study: Charlie s Chocolate Company 10
Spreading the Financial Statements 16
Analyzing the Completed Spreads 19
Chapter 3 Ratio Analysis 29
Liquidity Ratios 29
Turnover/Activity Ratios 31
iii
Table of Contents
Leverage Ratios 33
Coverage Ratios 34
Profitability/Efficiency/Operating Ratios 37
Breakeven Ratios 30
Case Study: Analysis of Charlie s Chocolate Company s
Ratios 38
Chapter 4 Cash Flow and Debt Service
Coverage Analysis 43
Introduction to Cash Flow 43
Accrual Basis Cash Flow Calculation 44
Cash Basis Cash Flow 48
Cash Basis Cash Flow Calculation 49
Analysis of Debt Service Coverage 50
Analysis of Accrual versus Cash Basis 51
Impacts upon Cash Flow 52
Analysis of Capital Expenditures 54
Case Study: Cash Flow Analysis of Charlie s Chocolate
Company 55
Chapter 5 Assessing Business Plans and
Management Ability 59
Business Plans 59
Topics That a Business Plan Should Address 60
Management Ability 61
Chapter 6 Analyzing Projections 63
Analyzing Projections 63
Case Study: Financial Projections for Charlie s Chocolate
Company 64
Analyzing Projections 65
Chapter 7 Analyzing Personal Financial Statements . . 73
Personal Financial Statements 73
Adjusted Net Worth Calculation 74
iv
Table of Contents
Calculation of Total Liquid Assets 75
Case Study: Charles Smith s Personal Financial Statement ... 75
Calculation of Adjusted Net Worth 75
Analysis of Adjusted Net Worth and Total Liquid Assets .... 78
Chapter 8 Personal Cash Flow Analysis 79
Introduction 79
Personal Cash Available Calculation 80
Case Study: Analyzing Mr. Smith s Personal Tax Return .... 83
Detailed Explanation 91
Personal Cash Flow Calculation 92
Personal Cash Flow Analysis 93
Chapter 9 Loan Structuring and Definitions 95
Commercial Loan Facilities 95
Commercial Loan Types/Reasons for Borrowing 96
Loan Term and Amortization 97
Loan Pricing 97
Collateral 98
Guarantees 102
Subordination Requirements 103
Debt Repayment Restrictions 103
Other Requirements 104
Chapter 10 Sample Loan Presentation 105
Memorandum 105
Commercial Loan Analysis—Process Renewal 114
Worksheets 115
Sources 155
Index 157
V
|
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| indexdate | 2024-07-09T17:47:53Z |
| institution | BVB |
| isbn | 1557387168 |
| language | English |
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| physical | IX, 160 S. |
| publishDate | 1994 |
| publishDateSearch | 1994 |
| publishDateSort | 1994 |
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| series2 | A bankline publication |
| spelling | Pirok, Kenneth R. Verfasser aut Commercial loan analysis principles and techniques for credit analysts and lenders Kenneth R. Pirok Chicago, Ill. u.a. Probus Publ. 1994 IX, 160 S. txt rdacontent n rdamedia nc rdacarrier A bankline publication Crédito, Control del - Manuales Empresas de negocios - Financiamiento - Estudio con casos Préstamos bancarios - Estudio con casos Bank loans Decision making Commercial loans Decision making Financial statements Kreditprüfung (DE-588)4165583-7 gnd rswk-swf Kreditprüfung (DE-588)4165583-7 s DE-604 HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=006761555&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Pirok, Kenneth R. Commercial loan analysis principles and techniques for credit analysts and lenders Crédito, Control del - Manuales Empresas de negocios - Financiamiento - Estudio con casos Préstamos bancarios - Estudio con casos Bank loans Decision making Commercial loans Decision making Financial statements Kreditprüfung (DE-588)4165583-7 gnd |
| subject_GND | (DE-588)4165583-7 |
| title | Commercial loan analysis principles and techniques for credit analysts and lenders |
| title_auth | Commercial loan analysis principles and techniques for credit analysts and lenders |
| title_exact_search | Commercial loan analysis principles and techniques for credit analysts and lenders |
| title_full | Commercial loan analysis principles and techniques for credit analysts and lenders Kenneth R. Pirok |
| title_fullStr | Commercial loan analysis principles and techniques for credit analysts and lenders Kenneth R. Pirok |
| title_full_unstemmed | Commercial loan analysis principles and techniques for credit analysts and lenders Kenneth R. Pirok |
| title_short | Commercial loan analysis |
| title_sort | commercial loan analysis principles and techniques for credit analysts and lenders |
| title_sub | principles and techniques for credit analysts and lenders |
| topic | Crédito, Control del - Manuales Empresas de negocios - Financiamiento - Estudio con casos Préstamos bancarios - Estudio con casos Bank loans Decision making Commercial loans Decision making Financial statements Kreditprüfung (DE-588)4165583-7 gnd |
| topic_facet | Crédito, Control del - Manuales Empresas de negocios - Financiamiento - Estudio con casos Préstamos bancarios - Estudio con casos Bank loans Decision making Commercial loans Decision making Financial statements Kreditprüfung |
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