Xayitmurodov Ziyodulla mm53 I ticket#19

Xayitmurodov Ziyodulla MM53 I ticket#19

2. Strategy is about making choices between a number of feasible options to have the best chance at “winning”, and innovation is just one of the means to achieve your strategic goals.

Without a good one, it’s actually quite difficult to achieve long-term success and orient your business for speed in order to secure competitive advantage.
What’s interesting is that according to statistics, 96% of executives have defined innovation as a strategic priority. However, the lack of clear innovation strategy is a fundamental problem especially for established companies when optimization of existing business becomes a priority.
3. The process of lending to investment projects is very complex and involves a variety of risks, which can lead to the problem of non-repayment of loans on time. Therefore, when lending to their customers, banks analyze the customer's creditworthiness. Creditworthiness of a bank client means the ability of the client to fully and timely settle its debt obligations. The level of creditworthiness of the client is very important for banks, because every loan is associated with risk. If the bank does not take into account the risk, the loan may not be repaid on time or not repaid at all. Therefore, banks analyze the financial condition of their customers, their solvency and, of course, their creditworthiness.

The main and additional indicators of creditworthiness are: 1. Coverage ratio; 2. Coefficient of own working capital; 3. Liquidity ratio;

Additional coefficients: 1. Working capital turnover ratio; 2. Availability of own working capital; 3. Profitability and profitability ratios.

The coverage ratio is calculated as follows

Coverage ratio = Short-term liquid assets /Short-term liabilities
The coverage ratio represents that it indicates the credit limit and indicates that all working capital of the customer is sufficient to obtain a loan. If the score is 2 or higher, the customer is eligible for credit. If it is less than 0.5, the loan is unprofitable and the customer is considered unfit for credit.

Liquidity ratio is determined as follows:

Liq. koef. = Cash + easy requirements /Short-term liabilities


The liquidity ratio is based on the assessment of the client's working capital structure. ability to pay on time. If the liquidity ratio is 1.5 and above, the company will have a high level of creditworthiness. Finding the coverage and liquidity ratios requires accurate calculation of short-term liabilities. Current liabilities are derived from the liabilities section of the liabilities side of the balance sheet.