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1. What is the importance of understanding the operating leverage, financial leverage, total leverage and breakeven point from a credit risk analysis perspective?
2. You are the credit manager of XYZ Bank. You have been provided with the following financial summary of a customer who enjoys credit facilities of US$18m.
US$'000
FY2007
FY2008
FYE 2009
FY2010
Turnover
15,664
21,843
22,085
25,967
Operating Profit
987
1,469
2,441
1,823
EBITDA
1,531
2,213
3,158
2,770
Profit before Tax
1,041
1,688
2,030
1,228
Gross Debt
4,031
4,994
7,963
8,830
Net Debt
3,670
4,321
7,034
8,219
Intangibles
300
200
100
0
Tangible Net Worth
7,030
8,719
10,748
11,977
Capital and Reserves
Free Cash flow
N/A
-1,154
1,092
706
CAPEX
3,985
547
1,826
708
Gross (Net) Debt/TNW (%)
0.57
0.74
Net Debt/EBITDA (x)
2.4
1.95
2.16
3.27
Current Ratio (%)
140%
162%
130%
127%
Quick Ratio (%)
136%
156%
125%
124%
Operating Profit Margin (%)
6.30%
6.72%
11.05%
7.02%
Interest Cover (x)
6.37
4.98
2.62
External Debt Repayment Period(Years)
NA
-4.3
7.3
12.5
Please provide your views on (i) profitability, (ii) capital structure and (iii) liquidity. It is evident that there is deterioration in net debt to EBITDA and interest coverage. Explain your views and clarify whether you would recommend reduction in existing credit facilities.
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