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McGraw-Hill/Irwin
Bank Management and Financial
17-2
Todays Session
Types of Business Loans: Short-Term and
Long-Term
Analyzing Business Loan Requests
Collateral and Contingent Liabilities
Sources and Uses of Business Funds
Pricing Business Loans
Customer Profitability Analysis (CPA)
McGraw-Hill/Irwin
Bank Management and Financial
17-3
McGraw-Hill/Irwin
Bank Management and Financial
17-4
17-5
McGraw-Hill/Irwin
Bank Management and Financial
17-6
McGraw-Hill/Irwin
Bank Management and Financial
17-7
McGraw-Hill/Irwin
Bank Management and Financial
17-8
McGraw-Hill/Irwin
Bank Management and Financial
17-9
Operating Efficiency
Annual Costs of Goods Sold/Average
Inventory
Average Receivables Collection
Period
Net Sales/Net Fixed Assets
Net Sales/Total Assets
Net Sales/Accounts Receivables
McGraw-Hill/Irwin
Bank Management and Financial
17-10
McGraw-Hill/Irwin
Bank Management and Financial
17-11
Coverage Measures
Interest Coverage
Coverage of Interest and Principal
Payments
McGraw-Hill/Irwin
Bank Management and Financial
17-12
Liquidity Measures
McGraw-Hill/Irwin
Bank Management and Financial
17-13
Profitability Measures
McGraw-Hill/Irwin
Bank Management and Financial
17-14
McGraw-Hill/Irwin
Bank Management and Financial
17-15
McGraw-Hill/Irwin
Bank Management and Financial
17-16
Comprehensive Environmental
Response, Compensation and
Liability Act
This Law Makes Current and Past Owners of
Contaminated Property, Current and Past
Owners and Prior Operators of Businesses
Located on Contaminated Property and
Those Who Transport Hazardous
Substances Potentially Liable
McGraw-Hill/Irwin
Bank Management and Financial
17-17
McGraw-Hill/Irwin
Bank Management and Financial
17-18
McGraw-Hill/Irwin
Bank Management and Financial
17-19
17-20
McGraw-Hill/Irwin
Bank Management and Financial
17-21
McGraw-Hill/Irwin
Bank Management and Financial
17-22
McGraw-Hill/Irwin
Bank Management and Financial
17-23
Prime Rate
Major Banks Established a Base Lending
Fee During the Great Depression. At that
Time It Was the Lowest Interest Rate
Charged Their Most Credit Worthy
Customers for Short-Term Working Capital
Loans
McGraw-Hill/Irwin
Bank Management and Financial
17-24
LIBOR
McGraw-Hill/Irwin
Bank Management and Financial
17-25
McGraw-Hill/Irwin
Bank Management and Financial
17-26
McGraw-Hill/Irwin
Bank Management and Financial
27