Clients Qualification & Evaluation

To take the decisions that suit the client's resources and financial capability and to determine its creditworthiness, we do the following:-

• ITC studies and analyzes the client's balance-sheets and financial statements for the last 3 years as a mean of assessing performance and as an indication of its business and financial standing.
• ITC analyzes the business results and trends with a view to balance and reconcile the objectives of profitability and liquidity.
• ITC inquires about the client, its business and commercial reputation through our own market and banking sources.

Based on the above we evaluate our client to each:

1. Terms of payment
   • unconfirmed L/C
   • Bill of exchange
2. Credit limit period
3. Credit limit amount