Welcome to Credit Risk Store.
Your e-learning platform for Corporate Lending.

Credit Risk Store's Blog

Do all regional Pharma companies have the wrong credit risk model?

Take UAE’s largest. Julphar was established in 1980, and is involved in the production and distribution of pharmaceutical products through a network of twelve manufacturing plants (with further expansion planned), and a logistics network across five continents (www.julphar.net). The company enjoys a diverse product range
Read more

How well will retail stores cope with changes in the industry? A Credit Risk perspective

According to Deloitte’s recent publication titled Global Powers of Retailing 2014 (http://goo.gl/Wj4FEP), of the 250 largest retail stores in the world, EMKE Group (the Lulu chain) was reported as the 197th largest. The Group had a CAGR in revenues of 25.3% over 2007-2012, with current
Read more

How do you manage Credit Risk at your bank?

In one of the meetings I had with a bank trying to sell our CRM program, I was told that they like to train their participants on credit risk “Our Way”. I suggested I met with both business and risk over a two days period
Read more

Saudi Cement Companies Risk Ratings – Credit Risk perspective

Why are the Saudi Cement companies’ credit risk ratings so low? What is their secret and is this secret sustainable? Using 6 Sigma’s Credit Risk System we estimated various Saudi companies’ risk ratings. Of these, the Cement companies showed very low ratings, well below what
Read more

How can a company in UAE’s Ras Al Khaimah emirate become the number one producer and seller of Ceramics in the world? A Credit Risk perspective.

RAK Ceramics has grown to be the largest ceramic producer in the world. Yes the world, competing with the Chinese, Italian and everyone else. It is the darling of the UAE, and a shining example of an emerging market company taking on the big boys.
Read more

How Risky is a Kuwaiti Portfolio? A selection of Credit Risk Ratings

You would expect that a seemingly wealthy country that enjoys a high level of oil production for a relatively low demographic base would produce vibrant and low risk enterprises. If so, then why are almost half of the listed companies we sampled in Kuwait are
Read more

A Cash Cow by any measure: AlMarai’s Credit Risk

How can a cow, living in an environment of 50 degrees plus centigrade, be able to generate so much cash flow out of what is essentially a very competitive commodity? A refreshing perspective on the company’s credit risk. According to the company’s website, Al-Marai was
Read more

A Banker’s Perspective on Diageo’s Credit Risk

How much would you lend beverage giant Diageo if they came knocking at your door? Here is a banker’s perspective on the leading beverage company’s credit risk. Diageo PLC (UK) is, according to the company’s website, “the world’s leading premium drinks business with an outstanding
Read more

Get the
5 Mistakes
Bankers Do in
Credit Analysis

You’ll discover what the 5 mistakes are and how to avoid them.

PLUS, you’ll get a free subscription to our weekly newsletter.

We promise to never sell, rent, trade or share your email with any other organization.

Stay conected!

Browse the
Credit Risk Store

The simple methodology used in our Essentials of Accounting online course allows you to understand ...

Learn More About This E-Course Here

This Financial Analysis online course shows you how to assess the company’s business model and its ability ...

Learn More About This E-Course Here

Sigma’s Credit Risk Management online course series are intended to introduce methodologies that makes credit ...

Learn More About This E-Course Here

The Portfolio Risk Rating and Stress Testing online course is designed to help you understand how to create ...

Learn More About This E-Course Here

The Facility Structuring online course shows you, step by step, how to identify both the short-term and long-term ...

Learn More About This E-Course Here

If you’re already analyzing obligors, and generating credit risk ratings for individual clients, this Credit Analysis ...

Learn More About This E-Course Here