The Finans & Säkerheter (Financing & Collateral) tab is a summary view of all Finances (new and existing) the company / group has with the bank.

You can choose to show an individual company or the entire group if it is a matter with several companies included in the proposal. You make the selection on the tab "Selection"

Sammanställning säkerheter / Compilation of financing

  • Here, all the financing that the company / group has with the bank is presented. If it is an existing financing, it says "Bef." in front

  • The total new limit applied for is displayed and it becomes the total for all new and existing financing and for Invoice purchases, only the regress limit is included.

Sammanställning säkerheter / Compilation of collateral

  • All collateral for the company / group is presented here

  • Collateral taken is the nominal value taken as collateral

  • Security value is the value defined by the bank that may be included as Security value and is calculated automatically by the service via the percentage values ​​specified by the bank.

Totalt säkerhetsvärde / Total security value

  • Here you see how much collateral has been taken out in total and how much Security Value it gets

Sökt limit och ej säkerställt belopp / Limit applied for and unsecured amount

  • Here, the total limit minus the collateral value is taken to obtain an unsecured amount

Förväntad kreditförlust / Expected Credit Loss (ECL)

  • The service automatically calculates this value by taking the value Unsecured amount (LGD) multiplied by the PD number imported from UC or manually entered by the credit department. The result from PD multiplied by LGD is ECL The above information is presented in several places in the credit memo, including the Cover Page and Executive Summary, and provides a quick overview of the case.

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