According to NBU Resolution

 - Cost of production (in dynamics);

  - Income (in dynamics);

  - Return (in dynamics);

  - Credit History (loan repayment in the past,
 availability of existing loans).

 According to NBU Resolution "On Approval of the Procedure of formation
 and the use of reserve for possible losses on credit
 operations of banks »N 279 of 06.07.2000 (version from 28.12.2008 to
 basis z120608) banks must determine the values ​​of
 borrower and its financial sustainability of
 including statistical data industries in which it operates, and
 data on its performance [12].

 The solvency of the borrower is determined by the following parameters:

  1) instant liquidity ratio (KL1), which describes how fast
 short-term obligations may be redeemed highly
 Assets: