The effectiveness of company analysis in international banking commercial loans

One of the most important procedures of commercial credit applications in international banking is the credit analysis and intelligence reports prepared for the company applying for credit. The credit analysis and intelligence is a comprehensive study to assess the credibility of the firm by the information about the character, capacity, liquidity, financial position, profitability and sectoral activities of the firm. When evaluating a credit application in international banking, the decision mainly depends on the security, liquidity and profitability principles. Repayment period and conditions, collaterals, credit amount, and pricing must be carefully selected based on the needs of the client. These measures help minimize the risks taken by the bank.The financial analysis and intelligence study of our case company is based on the approved balance sheet and income statements.