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• W572372694 abstract "Our study highlights the potential challenges that occur within the banks credit assessment ofproperty companies’ repayment ability and what improvements can be implemented to reducethe weaknesses of the credit process. The study aims to provide a greater understanding ofhow the credit assessment process works within a bank and to pay attention to where potentialweaknesses in the system are located.The study is based on theoretical and empirical data. The theoretical part of the study is basedupon evidence from literary and scientifical sources, while the empirical data consists ofinterviews from professional experts and of a researcher within the banking and propertysector. The credit culture in the banking system has changed in recent decades as a result ofprevious real estate and financial crises. Banks have become more restrictive with their creditlending and they have begun to move towards a more classical view of banking.When banks perform a credit assessment they look at both the evaluation flow and the cashflow and it is the cash flow that displays the companies’ repayment ability. Banks uses toolssuch as stencils and models to assess companies’ cash flow and they do it to try and predicthow the companies future capital will look like and how it will develop. It is within the banksprediction of the future of the companies cash flow that you can find the most uncertainties.This is especially true when it comes to credit lending to property companies and the reason isthe major risk that banks take within this type of credit granting. The risks are linked to thelarge loan amount that property companies need to make their business work and also to thelong time period that is expected when it comes to large credit granting from banks. There arealso some concerns about the assessment of future corporate profits because it is related to alot of different factors such as the time period of the existing leases within a residentialproperty, the level of the current rent and fear of future vacancies. As a bank, there is often asecurity in the property when granting loans to property companies and problems can occurwhen the actual property is of a unique type of real estate. It could lead to difficulties for thebank when they try to estimate the value of the property or when banks need to find a possiblebuyer. There are also some problems for the banks when it comes to the geographical locationof the property because of the connection that prices have to the location of the property.The difficulties when it comes to the assessment of the property companies’ cash flow aremany but the banks have an optimistic view on the credit assessment system as it is today." @default.
• W572372694 created "2016-06-24" @default.
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• W572372694 date "2014-01-01" @default.
• W572372694 modified "2023-09-27" @default.
• W572372694 title "Potential challenges that occur within the banks credit assessment of property companies" @default.
• W572372694 hasPublicationYear "2014" @default.
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