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Financial Performance Indicators – Instruments in Lending Decision Making

Author

Listed:
  • Dan Florentin SICHIGEA
  • Mirela GANEA
  • Lorena TUPANGIU

    (University of Craiova)

Abstract

Lending decision is currently adopted on the solid criteria for assessing the position and financial performance of companies. Financial indicators of performance are indispensable tools in the adoption of such decisions, helping to shape the customer profile in terms of liquidity, solvency and profitability thereof, and to identify the degree of risk assumed by the bank in relation to it. Considering these aspects in this paper we performed a research on theoretical and practical significance, composition and importance of performance indicators used in the analysis of a customer's creditworthiness. Methodological aspects of credit scoring model was custom bank Raiffeisen, in the context of providing a company's current business loan Synchro Comp SRL.

Suggested Citation

  • Dan Florentin SICHIGEA & Mirela GANEA & Lorena TUPANGIU, 2011. "Financial Performance Indicators – Instruments in Lending Decision Making," Finante - provocarile viitorului (Finance - Challenges of the Future), University of Craiova, Faculty of Economics and Business Administration, vol. 1(13), pages 168-174, December.
    • Handle: RePEc:aio:fpvfcf:v:1:y:2011:i:13:p:168-174
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    More about this item

    Keywords

    lending decision; financial performance; credit scoring model;
    All these keywords.

    JEL classification:

    • G30 - Financial Economics - - Corporate Finance and Governance - - - General
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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