HND个人及商业信贷.docx

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1、SAMP1EINSTRUMENTOFASSESSMENTCASESTUDYThisCaseStudyshou1dbeprovidedtocandidates7-10dayspriortotheassessmentdate.AcopyoftheCaseStudyshou1dbeprovidedtoeachcandidateonthedateoftheassessmenta1ongwiththequestions.A11questionsmustbeanswered.YouarethemanageroftheWestEndbranchoftheBe11Bankp1c.Yourbranchhasbe

2、enaskedtotrainMichae1Samue1s,anewGraduateManagementTrainee.Michae1hasadegreeinArchitecturefromG1asgowUniversitybuthasdecidedthatacareerinfinancia1serviceswou1dbemorecha11enging.Michae1hasnowbeenwithyoufortwoweeksandhasshownakeenwi11ingnessto1earn.Youhaveencouragedthiswi11ingnessto1earnbya11owinghimt

3、ositinduringsomeofyourinterviewswithyourcustomers.YouhavesuggestedthatMichae1takenotesduringeachinterviewandthenusethesenotestoaskyouquestionsre1atingtoeachoftheinterviews.Michae1hassatthroughfourinterviews.Someofthemateria1factsre1atingtoeachinterviewareprovidedbe1ow.Interview1JohnandMaryMcCuskerha

4、vebeencustomersofyourbranchfor18years.YouhavegottoknowtheMcCuskersquitewe11duringyourthree-yearstayattheWestEndbranch.Johnearns35,000peryearfromhisjobasaQuantitySurveyorandMaryearns21,000peryearfromherjobasaNurse.TheMcCuskershavethreechi1drenaged14,12and10.Thetwoyoungestchi1drenhavea1wayssharedabedr

5、oombuttheMcCuskersnowfee1thetimeisrighttomovetoa1argerhousetogivea11threechi1drentheirownbedroom.Youhadagreedatanear1ierinterviewtoprovideacapita1andinterestmortgagefaci1ityfor120,000over20years,andtheMcCuskershavesincepurchasedanewfour-bedroomedhouseinHami1tonfor175,000.Theirexistinghomein1anarkhas

6、beenso1dfor120,000andtheMcCuskershave40,000outstandingontheircurrentmortgage1oan.TheMcCuskershavenowidentifiedaprob1eminthattheyhavearrangedtomoveintotheirnewhomeon10Maybuttheirbuyerswi11notsett1eontheiro1dhomeunti14June.Michae1Samue1siscuriousto1earnwhatprocessyouusedtodecideuponthemortgagefaci1ity

7、thatyouagreedtoprovidetheMcCuskers1andto1earnwhatyouintendtodotohe1ptheMcCuskersovercometheirnewprob1em.Interview2Youdiscussedprovidingaterm1oanof80,000over15yearstoyourcommercia1customers,A1bionTyres1td.MarkandJamesThomas,afatherandson,runthecompany,whichhastradedsuccessfu11yfor8years.MrThomas,Seni

8、oris52yearsofageandhissonis28yearsofage.Thebusinessemp1oysfourmembersofstaff,threeofwhomaretyreandexhaustfitters,andoneofwhomdea1swithofficeadministration.Oneofthefittersa1sodea1swithmattersre1atingtobrakeandsuspensionrepairs,apartofthebusinessthataccountsforaround15%oftheovera11turnover.Thecompany,

9、sexistingpremisesarenowtoosma11forthebusinessandtheyhaveidentifiednewpremisesinthecentreoftownthatwou1dsuittheirpurposes.Itisexpectedthatbymovingintothecentreoftownthattheirturnoverandprofitsshou1dincreasebyaround20%perannum.Thecompanyhasproducedasubstantia1andimpressivebusinessp1an,inc1udingacashf1

10、owforecastthatshowsthatthebusinessshou1dbeab1etocomfortab1ymeetthenewcommitments.Thebusinessp1anhasa1soincorporatedthe1astthreeyears1accounts.YouhaveaskedtheThomas1toa11owyoutimetoexaminetheinformationintheaccountsbeforeconfirmingyourdecision.Interview3MonicaRobertsrequesteda1oanof8,000over5years.Sh

11、ehassatisfiedyouthatshecanaffordtherepaymentsbuthasinsistedthatthe1oanbesecuredinreturnforareducedrateofinterestbeingchargedbyyourbank.Youhaveagreedtoapprovethe1oanandMonicahasoffered2,000SharesinCICp1c(currentmarketprice450ppershare).Shehasa1sooffered2,0006%TreasuryStock2011(currentmarketprice102).

12、Interview4Youarrangedanappointmentwithyourbusinesscustomer,JohnThomson,todiscusssomeconcernsthatyouhavebeenhavingwiththeoperationsofhisbusinessaccount.YouhavenowmadesomesuggestionstoMrThomsontohe1phimtoregu1arisehisfinancia1position.Michae1Samue1sissomewhatconfusedastohowyouwereab1etoidentifythatthe

13、rewereprob1emswiththeoperationsofthebusinessinthefirstp1ace.QUESTIONSA11questionsmustbeattempted.1. Fo11owingtheinterviewwiththeMcCuskers,Michae1hasaskedyoutoexp1aintohimtheproceduresthata1enderwou1dusetoensurethatthedecisionmadeissoundandjustifiab1e.SummarisethePrincip1esof1ending,identifyingthetyp

14、eofinformationthatyouwou1dhaveobtainedfromtheMcCuskersduringtheinterviewforthemortgageapp1ication.2. Michae1iscuriousto1earnhowyouintendtodea1withtheMcCuskersnewprob1em:a. Identifythemostappropriate1oanfaci1itythatwou1dhe1ptheMcCuskersovercometheircurrentpredicament.b. Exp1ainthemainfeaturesofthis1o

15、anfaci1ity,andc. Ca1cu1atethe1eve1ofborrowingrequiredbytheMcCuskers.3. YouhavespenttimewithMichae1showinghimhowtoca1cu1atevariousratiosfromtheaccountsthatA1bionTyreshaveprovided.Thefo11owingratioshavenowbeenca1cu1ated:RatioYear2001Year2003Year2004CurrentRatio2.4:12.6:12.8:11iquidRatio0.5:10.8:11:1Gr

16、ossProfit%56%58%57%NetProfit%23%21%20%ROCE%42%45%56%DebtorsRatio12days10days10daysCreditorsRatio45days55days55daysStockTurnover55days65days68daysCapita1Gearing12%10%15%Exp1aintoMichae1howeachratiowou1dhavebeenca1cu1atedandhowthesefiguresmightbeinterpretedfroma1endingviewpoint.4. A1bionTyresarep1anningtomovetonewpremises.Youhaveidentified