Analyzing the lending policies applied in commercial banks.

The subject is Commercial Banking Management, the chosen saudi arabian company is SAVOLA, 1- a file of the reports outline is attached 2- analyse the ratios i have done (you can find it in the attached document) please refer to the excel sheets in the second file(also uploaded) when mentioning any results, (ex: the increase was due to the ….). the ratios are Efficiency ratios and Marketability of the customer’s product of serves 3- i wrote some notes with the calculations i made that might explain the schedules for you (try not to analyse the same) its only for understanding. you can find them in the attached doc