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A211 BWBB3193 Loan Application Evaluation
A211 BWBB3193 Loan Application Evaluation
Annual Report
You should obtain annual reports of the company for 5 years (2016,2017,2018,2019,2020).
Content
1. Company profile such as company history/background, business & activities, group
corporate structure, board of directors, management team, shareholders, the auditor, and
any other important information pertaining to the company profile.
2. The analyses will cover:
Ratio analysis:
Liquidity ratio: current ratio
Performance ratios: sales growth, return on asset, return on equity
Gearing ratio: total liabilities ÷ shareholder’s funds
Interest coverage ratio: EBIT ÷ interest expenses
Efficiency ratio: average payment period, asset turnover ratio
5Cs analysis – Character, Capacity, Capital, Collateral, Condition.
You should also evaluate in the aspect of sustainability, corporate governance, and
risk management of the company.
3. The ratio analysis including graphs must be done using Excel and submit together with
the Word document.
4. After doing the thorough analyses, you are required to give recommendation whether to
approve or deny the loan application.
5. If you rejected the loan application, provide justification why the application should be
rejected.
6. If you approved the loan application, provide justification why the application should be
approved.
Requirements
I expect a minimum 15 pages typewritten report, 1.5 spacing, Font 12, Century Gothic. You will
be graded on the content of the analysis, your analytical and numerical skills, and your ability
to communicate effectively.
1
BWBB3193 Semester A211
Submission date
The submission date for the report and video is on 23 December 2021.
Group submission – name the file as Group 1, Group 2….
Individual submission – name the file as matric no, name (example 256789 Ahmad)
Additional information
1. Students are allowed to choose their own team members for all BWBB3193 assignments.
The link for group registration:
https://docs.google.com/spreadsheets/d/13hf3_C9qE7ELaZMVzRFXGC3iLO26RAKka
McHJXQ45sU/edit?usp=sharing