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Group 2

International Seafood Corporation (ISC)


SUMMARY:

International Seafood Corporation (ISC)
Question 1
Risk Areas / Factors
Credit Risk inability of ISC to repay the Bank for
the funds borrowed
FX Risk sudden changes in exchange rate of
suppliers currency
Production Risk inability of suppliers to provide
goods to ISC
Transportation Risk possible loss / delay of cargo
while in transit
Political Risk risk of unfavorable foreign
government action

International Seafood Corporation (ISC)
Question 2
Questions to ask Ms. Cabral
Schedule and volume of remittances to
supplier
List of suppliers, location, product supplied,
and currency for payment
Who is the surety for the BDO loan of P5M?
ITR and FS for the past 3 years
International Seafood Corporation (ISC)
Question 3
Loan Package
Omnibus Line ------------------- P 7.0M
Available as:
Loan Line For additional capital requirements
Import L/C For importation purposes
Rate: Prevailing Regular Rate + 1% p.a.
Security: Surety Agreement
Renewable Annually
Cagayan De Oro Rubber
Export, Inc.
SUMMARY:

Cagayan De Oro Rubber
Export, Inc.
Question 1
Will you recommend the loan?
NO, because..
CAPACITY of the BORROWER to pay is
QUESTIONABLE since no business has
been established yet
Owner has NO EXPERIENCE in the
rubber industry
The project analysis is NOT ASSURANCE
of success.
Cagayan De Oro Rubber
Export, Inc.
Question 2
Risk Areas / Factors
Credit Risk inability of CDO Rubber to repay
the Bank for the funds borrowed
Liquidity Risk CDO Rubber would not have
enough cash to pay off debt
Production Risk inability of CDO Rubber to
supply goods contracted by buyer
Business and Environmental Risk
Cagayan De Oro Rubber
Export, Inc.
Question 3
Loan Package
Omnibus Line -------------------- P 10.0M
Available as:
Loan Line For additional capital requirements
Export BP Line For export payment remittances
Rate: Prevailing Regular Rate + 1% p.a.
Security: Parcel(s) of Land amounting to
P10M; Surety Agreement with Father
Low Interest Rate International
Trading Corporation
SUMMARY:

Low Interest Rate International
Trading Corporation
Break Down:
Regular Loan -------------------------------------- P25M

Import L/C Opened ----------------------------- 10M
10M was converted to dollars with FX of 51.00

Export Negotiation ------------------------------ 15M

Deposit --------------------------------------------- 5M

APA Report

Asian Rare Metal Corporation
SUMMARY:

Asian Rare Metal Corporation
Question 1
Will you recommend the loan?
YES, because
The loan will be FULLY SECURED
Market for cobalt is ESTABLISHED
NO SUBSTITUTE for cobalt
The business is already at its 5
th
Year, this
would mean they are STABLE
The YES is conditional to regular monitoring of
financials and a production report must be submitted
annually
Asian Rare Metal Corporation
Question 2
Loan Package
Credit Line ------------------ P 10.0M
Rate: Prevailing Regular Rate
Security: Property in Zambales
Renewable Annually