86. For the purposes of the creditworthiness assessment of micro, small, medium-sized and large …

For the purposes of the creditworthiness assessment of micro, small, medium-sized and large enterprises, institutions should have available, and use, information, supported by necessary and appropriate evidence, in relation to at least the following:

• a. purpose of the loan, when relevant to the type of product;
• b. income and cash flow;
• c. financial position and commitments, including assets pledged and contingent liabilities;
• d. business model and, when relevant, corporate structure;
• e. business plans supported by financial projections;
• f. collateral (for secured lending);
• g. other risk mitigants, such as guarantees, when available;
• h. product type-specific legal documentation (e.g. permits, contracts). Institutions can consider the use of specific information, data items and evidence set out in Annex 2.

1. Forbhreathnú

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

3. Caighdeáin ghaolmhara

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