Ratio Analysis

Credit (Risk) Analysis is one of the most important functions performed by financial institutions. Because interest and fee income from loans represent the largest source of revenue for financial institutions, thorough credit analysis must be performed before loans are approved and funded. Credit Analysis starts with spreading historical financial statements and then calculating key ratios.

Covered Topics

  • Have You Address the Basic Questions?
  • How Do We Get Repaid? Repaid?
  • Ratio Analysis
  • Liquidity and Ratios
  • Leverage
  • Asset Management
  • Operations