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The Financial Performance of the Companies Approached from the Perspective of Commercial Banks

Author

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  • Mirela SICHIGEA (GANEA)

    (University of Craiova Faculty of Economics and Business Administration)

Abstract

Assessment of financial performance of a company aims at highlighting the economic potential and its financial capacity to generate future cash flow. To support the granting of a loan any commercial banking institution goes through several steps of the formal and informal analysis of the applicant. Within the analysis takes into account a system of indicators charactering the last and future performance of the company. The paper presents the steps taken by a commercial bank in the lending process with customizing the system of indicators used by Raiffeisen Bank in characterizing the financial performance of businesses ranging from small and medium enterprises (SMEs).

Suggested Citation

  • Mirela SICHIGEA (GANEA), 2015. "The Financial Performance of the Companies Approached from the Perspective of Commercial Banks," Finante - provocarile viitorului (Finance - Challenges of the Future), University of Craiova, Faculty of Economics and Business Administration, vol. 1(17), pages 142-150, December.
    • Handle: RePEc:aio:fpvfcf:v:1:y:2015:i:17:p:142-150
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    More about this item

    Keywords

    financial performance; the company's creditworthiness analysis; indicators of financial-accounting statements;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G30 - Financial Economics - - Corporate Finance and Governance - - - General
    • G39 - Financial Economics - - Corporate Finance and Governance - - - Other

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