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As a rule of thumb, the decision to lend need to focus on the repayment ability of clients and not on collateral. Collateral is taken as a fall back position when things went sore. If the collateral is cash cover, yes I will lend after obtaining a signed lien letter from client and being satisfied with solvency status of the company.
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I agree to the opinion of Gamali Mongi
Agree with Gamali Mongi Corporate Credit Manager
agree with Mr. Sai,
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Absolutely right. Thanks for the answer Gamali Mongi.
We are here to lend to companies which can repay their obligations primarily from cash generated from operations. We cant lend to a company which has huge asset base but there is no cash generation. In a similar way we cant lend companies by looking at the collateral offered by them. Collateral is just a fall back mechanism.
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