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Kuala Lumpur

Restructuring Of A Company Financial Position To Achieve Survival In Tough Banking Regime

Home > Study Notes > Restructuring Of A Company Financial Position To Achieve Survival In Tough Banking Regime
Published in: Finance: Banking
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When companies fall into illiquidity as a result of tight banking crunch, then the company treasurer or corporate finance manager/Chief Financial Officer must advise the CEO to restructure the company banking facilities to get fresh borrowing and improve on the company cash flow. Cash flow is King to the Business Continuous Robust Sales/Production and Growth.

Loke H / Kuala Lumpur

10 years of teaching experience

Qualification: Chartered Institute of Management Accountants

Teaches: Accountancy: Management, Finance: Banking, Finance: Corporate, Finance: Planning, Accounts, Corporate Finance, Financial Management, Accounting

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  1. Restructure mean changing existing structure and when applies to bank borrowings ; it means to engage with your bankers to change the existing bank loan structure. Why restructure? NPL or non performance looming in ability to continue servicing repayment and interest to your bankers. And more importantly; to find all possible ways to surface valuation in your company or group of companies and move assets around to enhance bankability in the view of bankers Balance Sheet has to be optimized to show more valuation of the company to back up the bank restructure negotiation Profit performance and close re-engineer of costing /revenue matrix be revisited to find ways to find more margin of contribution for every value of sales done. And quality cash flow projection must be computed to showcase the level of comfort to bankers in the company future ability to service or continue to pay the loan repayment and loan interest on a on-going timeline of at least 3 to 5 years A solid Business Model makeover to reflect ways to mitigate and thrive in current difficult operating market environment is a good option to explain to bankers in what ways the business has taken positive steps to overcome market operating margin and revenue generation and credit control and risk- management SOP These are just some of the many other factors in a Restructure of banking facilities as a way to business success in difficult business environment. Cash is king is still strong and a strong Balance Sheet is your best hope to win your bankers over.

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