Short and Medium-Term Loan in the UAE Policies and Procedures Research Paper

Short and Medium-Term give in the UAE Policies and Procedures - query Paper ExampleThe pecuniary institute considered for the purpose of this report is HSBC Bank Middle East Ltd. This swan for the purpose of granting the loan to the company shall make a complete review of the financial position of the company. The financial analysis would include a change persist analysis, analysis of the confused ratios like profitability ratio, liquid state ratio and gearing ratio, an analysis by the long-term creditor and examination of the collateral securities that the company has to offer to the cant for the loan purpose. The cash flow analysis flashes a detailed view of the inflow and appearflow of cash into and from the melodic line respectively. Pertaining to the income statement the operating cash flow shows the increase and decrease in cash. The cash flow showing the investments depicts the increase and decrease in assets. The various kinds of ratios are studied thoroughly to br ing out the actual position of the company. The ratios that are studied, contributes to knowing the various assets and liabilities and their impact individually and as a unit of measurement on the business unit. The various ratios studied are profitability ratio, liquidity ratio, and leverage ratio. The analyses of these ratios provide a clear picture of not only the companys assets and liabilities but as well as forecasts possible get and losses of the enterprise. The various provisions provided by HSBC Bank Middle East Ltd. are studied and the various kinds of loan that this bank has for its customers are also keenly observed. According to the requirements of an individual or a business customer, loans may be chosen by the customer from the bank. The processes and procedures involved in obtaining the loan are about observed and recommended accordingly. The business environment of UAE and the various provisions for the foreign investors are enumerated in details. The various as pects that UAE takes a heed of apart from facilitating business activities in the country are also keenly studied. The facility of big zone is largely talked about including its advantages and also the various barriers that a foreign investor may face in UAE are discussed. The advantages of local rather Emiratiowned business unit over the foreign investors are also included in the discussion. Table of Contents Executive Summary 2 The Nature and Purpose of Loan Requested By the Customer 6 Banks Policy In Terms of Granting Loans 7 Types and Nature of Financial Information the Customers Are Required To Furnish To Support the Purpose of the Loan 10 Types of Analysis the Banks Usually Do 11 Types and Nature of Security the Bank Usually Ask For 14 Impact of the Most Recent Downturns of the Economy and Massive Business Failures of HSBC Bank Middle East 15 Banks Specialization on Handling Such Loans 16 Any Government inducing And Or Support the Banks Receive In Handling Such Loans 17 UAEs Business environment Facilitating Emirati-Owned Businesses 17 Conclusion 19 References 21 Introduction The lending institutions are generally seen to offer loans for diverse periods based on the purpose of the loan, such as shortterm, longterm, and mediumterm. In the scope of business, the short-term loans that are offered by the banks are usually to curb the needs of work capital of the business. These working capital needs of a company may range from raw materials purchase, electricity bills to be stipendiary and payment of taxes among others.