where HCM - monthly income on account of the borrower within last three months (with the exception of credit) Sp - the amount of the loan and interest on it (for loans in foreign currency, this amount taken into the calculation based on the exchange rate) n - number of months of the loan agreement, Change - monthly conditional permanent obligation of the borrower (Administrative and management costs, etc.) With - tax payments and the amount of other liabilities to creditors shall be paid from the account of the borrower, in addition to the amounts commitments term repayment exceeds the duration of the credit agreement (according to the latest balance). For business entities involved in the seasonal nature of production, the average amount of revenue defined in 12 months. Optimal theoretical values of K - at least 1.5. Evaluation of the financial condition of the borrower, the bank is not less than once a month using the methods used in domestic and global banking practice, including taking into account: - Information about the borrower, the bank's compliance with prudential regulations and Reserve requirements of funds;