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C04048 Finance

tag 0 Download 13 Pages / 3,132 Words tag 21-06-2021


Your submission (excluding attachments and appendices) should be approximately 2,500 words in length. This word limit will not be strictly adhered to, so you have some flexibility in deciding on your word length. Assignments submitted after the deadline will be subject to penalties as outlined in the unit plan.
Computing difficulties will not be accepted as a valid excuse for late submission of the assignment. It is the Student’s responsibility to ensure that they access the company’s annual financial report, and it is important that this is done at an early stage so there is time to overcome any computing difficulties.
Part 2: Background on Case Study No 2
The first assessable case study in this course was on BP East. The focus in this first case study was on the technical analysis of the first way out using tools such as ratio analysis and cash flow budget analysis. In Case Study No 2 you are asked, as a potential lender to Capilano Honey Ltd, to take a much broader view. Central to this view will be an assessment of the risks that the proposed lending will expose the bank to.
Your Approach To The Lending Deal
You are asked to take a positive approach to the borrower and its request for funding.  This means that your decision to approve/decline this deal should be subject to the real life pressure from your employer to add quality business to your portfolio. This point can be put another way. Almost every lending deal will inevitably have some positive features and some negative features. Your challenge in this assignment is to identify whether there are ways of structuring the deal that mitigate the negatives and highlight the positives so that the deal in overall risk terms is acceptable to the bank. Of course, you have the option to decline the deal if you feel that it is not possible to structure the deal in a way that satisfactorily mitigates the major risks.

The Submission You Are Expected To Write
Against this background you are asked to produce a written submission for this customer.  The submission will end up with a recommendation regarding whether or not you wish to take on this business.  If you do decide to decline the deal then you will still need to write a full submission so that your reasons for declining the deal are clearly developed and explained. In addition, you are expected to say something about under what conditions you would be prepared to reconsider the deal.
While there are many different possible formats for a lending submission, you are asked to adopt the format outlined in the Week 9 lecture handout in your class notes booklet entitled “A Structure for a Lending Submission”. You are asked to include both in-text and end-text references in your assignment. The ECU referencing guide can be found on the ECU Library website. Note that referencing is required in order to assist in the marking of this assignment; it is not something that is required of lenders in practical situations.
There is a marking guide / rubric in Attachment A of this document.
Part 3: The Capilano Honey Limited Case Study
This case study only uses publicly available information on Capilano Honey Limited
and involves a hypothetical request for finance.
You work as a Senior Lending Manager in the Corporate Lending Division of Grand Commercial Bank.  You had a meeting today with the Managing Director and the Chief Financial Officer of Capilano Honey Limited. During the meeting you were told that Capilano wish to move all their banking to Grand Commercial Bank.
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Total 13 pages

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