Policy Multi 1

Which description below related to negative list is WRONG?

• For the case authority is MKT manager, highest authority for appeal is CRE manager

• For the case authority is CRE AGD, highest authority for appeal is GD

• Applicant who violates Black List is not allowed to send CF

• Applicant has historical G2 record within 6 months needs to make appeal before sending CF

While evaluate market price of leased asset, what is the best solution?

• Consult machine dealer/supplier to know current market price

• Consult CILC system to check machine with same brand name

• Consult online website to check machine with same brand name

• Consult fixed asset list to check depreciation

What is NOT a bad signal while evaluating applicant?

• Negative reputation on newspaper 3 months ago

• Applicant has 10 related companies to serve for customer in different areas

• GD of applicant has external investment and doesn't earn any profit for 1 year

• GD is listed as shareholder in more than 10 companies in different industries

While evaluate real sales of applicant, what is NOT the reliable source?

• Check Interal record with bank statement

• Check VAT sales and bank statement

• Internal record without clear Buyer info

• Bank statement with clear content

To make sure the real GPM and profit, what is the most reliable method?

• Compare difference between Financial statement and VAT sales

• Compare VAT input/ output figure

• Compare figure on Financial statement

• Compare company in same industry

To reduce possible risk of delinquent, what is NOT the good method?

• Require worker in the factory to become guarantor

• Reduce TE and increase SD

• Require guarantor who works in different industry

• Add corporate guarantor whose revenue is stable

What is NOT included in the target of CRE dept?

• Total Outstanding growth of each department

• Personal income from customer

• Risk Control

• Revenue achievement of each department

If applicant only issue 10% invoice of their revenue, what method can better understand applicant's real revenue?

• Evaluate Financial Statement

• Number of machines operating while credit checking

• VAT sales and AR, AP, inventory list

• Using manufactuing capacity to compare with income in bank statement

Revenue of applicant mainly comes from SMEs in Cambodia, what is the potential risk?

• Can't verify real sales and real buyer

• can't verify real sales and capacity

• can't verify capacity and AR turnover

• can't verify AR and AP turnover

Construction company usually has high financial burden, what is the possible reason?

• Applicant mostly own several related company, complicated internal procedure

• AR term mostly follow construction progress, can be last from 1 month to several years

• Bank tends to support construction company, give them higher credit line

• Supported by local government