Does optimization of balance sheet indicators can have impact on external financiers?
Does optimization of balance sheet indicators can have impact on external financiers?

Summary/Abstract: In the matter of decision-making aspect by the banks in Serbia to evaluate each business model, and at the same time to meet client's requirements on the one hand and official standards on the other, is a topic that involves a large number of potential and current bank clients. Looking at the real demands of companies in Serbia for the approval of credit products, we can confirm that banks in Serbia want to aprove balances that are ideally calculated, which is why we have non-standardity in making decisions about lending to potential clients. The focus on the turnover size, the number of employees, the EBITDA and the equity of the company are the factors that lead to mistakes in both cases - approval and rejection of the clients. The aim of this document is to try to confirm, by analyzing specific examples, that it is necessary to go into the business of each potential client, instead of satisfying only the standard forms that the bank sets for the clients and thus influence the process of decision making in banks.

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