Mr Sandy Scott And Sandy Manufacturing Ltd

Mr Sandy Scott And Sandy Manufacturing Ltd

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BANK3002 Band Lending

Questions:

This case study requires students to conduct credit risk assessment of consumers and businesses. Please study the attached case study information pertaining to Mr. Sandy Scott and Sandy Manufacturing (Pty) Ltd and answer the following THREE questions. The total mark for this assessment is 25.

Question 1

Rewrite the Income Statement and the Balance Sheet of Sandy Manufacturing Pty Ltd; and comment on the financial performance of Sandy Manufacturing Pty Ltd, did the financial performance improve or deteriorate during the past financial year. Use financial ratio analysis to substantiate your answer and provide a complete interpretation of the financial position of the company.

Question 2

What credit products will you offer to:

  1. Sandy Scott?
  2. Sandy Manufacturing Pty Ltd?

Question 3

Will you offer Mr. Sandy an overdraft facility of $1 500 000 in his own name in order to attract him as a client? Please justify your answer by concentrating on the principles that banks apply when dealing with credit application. Please provide detailed interpretation/explanation about the information to justify your decision.

Information: Mr Sandy Scott And Sandy Manufacturing Pty Ltd

Background

Mr. Sandy Scott, a customer of another bank, approached you as a banker at NAB. Mr. Sandy claimed that he is not happy with this current bank and wants to move to NAB if you could be able to offer him favourable rates and better facilities. He also gave you permission to obtain all the necessary information that you will require from his auditor and current bank, provided that it is regarded as highly confidential and that you sign a document in this regard with his auditor.

You obtained the following information from the auditor:

  • Bank statements for three months – Mr. Sandy
  • Audited financial statements for the previous two financial years for the business that Mr. Sandy owns 60% shares in.
  • A letter stating Mr Sandy’s income is $600 000 per month.
  • A personal balance sheet for Mr. Sandy.

BANK3002 Band Lending

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