The 5 “C’s” (Domestic and International)

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Presentation transcript:

The 5 “C’s” (Domestic and International) Character Capacity Capital Condition Collateral

The 3 “C’s “ (International) Country Risk Currency Culture risks

Country Risk Countries are interdependent Country conditions affect customers Assessment must be: Systematic Objective Relevant

Value of Past Due Invoices per US Dollar $.00 $.25 $.50 $.90 Two Years One Year Six Months Three Months

Cost of Interest ($7.00) $12.00 Twelfth $5 $95 $100 ($3.00) $8.00 Eighth ($1.00) $6.00 Sixth $1.00 $4.00 Fourth First Profit After Interest Payment Amount Month Net Profit Cost Sales