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Faisal Zada
by Faisal Zada , Customer service agent , National Bank of Pakistan

debt service coverage ratio= operating incom / total debt service costs

Moudar Rayes
by Moudar Rayes , Operations Manager - Structured Finance & Syndications , Emirates Islamic Bank

DSCR = (Annual Net Income + Amortization/Depreciation + Interest Expense + other non-cash and discretionary items (such as non-contractual management bonuses)) / (Principal Repayment + Interest payments + Lease payments)

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