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The document discusses the economic slowdown facing the United Arab Emirates (UAE). It notes that the UAE's economic growth rate is expected to fall to 4% in 2009 from 7.4% in 2008 due to the global financial crisis. The real estate and construction industries, which make up around 64% of the UAE economy, are particularly vulnerable as property prices decline and debt levels rise. Two of Dubai's largest mortgage lenders, Amlak Finance and Tamweel, will be taken over by a state-owned bank amid concerns over Dubai's slowing real estate market. The document advocates for businesses in the UAE to strengthen risk management practices such as improving cash flow, regulatory compliance, customer data
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Final CriskCo presentation
CriskCo is a startup that uses predictive algorithms to help businesses monitor accounts receivable and predict credit risk. It has two products, CriskCo Monitor which tracks credit and CriskCo Approve which is an integrated credit approval tool. The document proposes a marketing plan using a series of print and digital ads to raise awareness of CriskCo and its products among financial leaders and small/medium businesses. The ads would take the form of case studies, product introductions, and graphics to promote the company's services and solutions.
Credit Base Line Profile March 09
The document provides an overview of Credit BASELine, a commercial credit portfolio management system. It describes the company's offerings, key members, and approach to credit portfolio management. The system allows users to originate commercial loans, analyze credit portfolio risk, and track the loan process from reviewing client relationships to pricing deals based on risk. It provides a flexible, web-based solution for managing credit portfolios aligned with Basel II compliance.
BFSM Unit - III .pptx
This document provides an overview of credit monitoring and risk management in banks. It discusses the need for credit monitoring to ensure funds are used as intended and loan terms are followed. It describes methods to monitor borrowers' financial status. It also explains models to predict financial distress and the rehabilitation process. The document outlines different types of risks faced by banks including interest rate, liquidity, foreign exchange, credit, market, operational, and solvency risks. It discusses the risk measurement and mitigation process as well as non-performing assets and asset-liability management.
Credit Insurance_Bank Presentation
Euler Hermes ACI is the largest credit insurance provider globally with over 114 years of experience. They insure over 57,000 policyholders worldwide against risks such as bankruptcy and default. Bankruptcies are predicted to increase sharply in 2009, demonstrating the need for credit insurance. Credit insurance protects against unexpected bad debt losses, frees up working capital, and allows companies to expand sales into riskier markets or with key accounts.
Setting credit limits
The document discusses establishing appropriate credit limits for customers. It recommends considering qualitative factors like a customer's character, capacity to pay, and capital, as well as quantitative factors from financial statements. A sample credit limit policy is provided that establishes criteria like granting 10% of a customer's tangible net worth as the base limit and adjusting up or down based on additional factors like security, payment history, and financial ratios. The policy outlines obtaining annual financial statements and reviewing accounts regularly.
Managing the Risks in SMEs Financing
This paper was presented at the Future of SMEs Banking Conference organised by Business a.m on 27th November, 2019 in Lagos. For SMEs to be able to play the role of engine of growth, Banks and other financial services provider need to be creative in managing funding and credit risks.
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A study of credit risk management in commercial banks [www.writekraft.com]
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