bonitetsanalyse

English translation: financial profile analysis

06:45 Dec 4, 2007
Norwegian to English translations [PRO]
Bus/Financial - Finance (general) / credit analysis
Norwegian term or phrase: bonitetsanalyse
credit analysis method.
jeffrey engberg
Norway
Local time: 18:08
English translation:financial profile analysis
Explanation:
Hi Jeffrey - like SwissTell, I don't specialize in Norwegian but am basing my translation on the German term Bonitätsanalyse. The German word Bonität is credit rating. An internal analysis of a company's financial standing is called a financial profile analysis. Here's a translation of the German reference below:

...Financial Profile Analysis is the internal analysis of financial soundness that makes it easier for investors, risk takers etc. to assess the actual payment track record...

...Financial Profile Analysis nennt sich die interne Bonitätsanalyse welche es Anlegern Risikoträgern und anderen Interessenten erleichtern wird die tatsächliche Zahlungsmoral...
http://www.pressebox.com/key/bonit�tsanalyse

Financial profile analysis
• Financial profile
o Data analysis such as operating margins
o Ratios such as cash flow on debt
o GOAL : assess the financial flexibility of the issuer and its capacity to reduce its debt
• Credit analysts and rating agencies have their own methodology & make their own adjustments on earnings, debt and cash flow
o Such as lease, given guarantees, securitized past and future receivables, pension funds deficits, theoretical debt of captive financial business, cash burn due to non recurring events
o GOAL: calculate a debt including every financial obligations
o and a recurring cash flow reflecting also all financial obligations

http://tinyurl.com/2lyojz

Financial profile analysis
We base our financial profile assessment mainly on quantitative measures, particularly financial ratios, but we also take into account qualitative components. To calculate financial ratios used in determining
stability ratings, Standard & Poor’s makes its customary credit rating adjustments to financial statements, such as the inclusion of off-balance-sheet items to facilitate comparability among peers, whether they are Islamic or not. The financial risk evaluation includes an analysis of:
􀂃 Accounting and financial policy, including distribution policy;
􀂃 Cash flow adequacy and distributable cash flow;
􀂃 Asset quality;
􀂃 Profitability; and
􀂃 Liquidity, financial flexibility, and the funding mix.

http://www2.standardandpoors.com/spf/pdf/media/SP_Launches_S...

FINANCIAL PROFILE ANALYSIS (FPA)
FPA is a report reflecting up to 5 years of a company's key financial figures and ratios. It also provides key corporate information like banking/financing/leasing relationship, no. of employees, shareholders & directors. The graphic presentation shows the changes in the key variables over the past 5 years on its profit margin, return on capital employees & return on equity. It also shows a comparison of the balance sheet structure.
It includes:
. Brief overview of company data . Ownership of commerical property (as per available) . Max 5 years comparison of profit & loss statement. Key Balance Sheet Figures . Financial Ratios . Graphic Presentation on key variables changes . Comparsion of Balance Sheet Structure . Formula of Ratios

http://www.questnet.sg/pdtInfo.asp?sid=undefined#13
Selected response from:

Kim Metzger
Mexico
Local time: 11:08
Grading comment
thanx!
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +1(business) solvency analysis
swisstell
3 +2financial profile analysis
Kim Metzger


  

Answers


9 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
(business) solvency analysis


Explanation:
creditworthiness analysis

swisstell
Italy
Local time: 18:08
Specializes in field
Native speaker of: German
Notes to answerer
Asker: Any reference links, http?


Peer comments on this answer (and responses from the answerer)
agree  Diarmuid Kennan
49 mins
  -> thanks a lot

agree  David Siebert
59 mins
  -> thank you, David

neutral  Per Bergvall: What nobody has noted is that it's a silly and presumptious word in the first place. In Norwegian, bonitet is an expression for soil quality...:-)
1 day 11 hrs

disagree  Kim Metzger: Not a common phrase in English. Google results 1 - 4 of 4 for "business solvency analysis". One hit was from a Russian site and two were links to this question.
4 days
Login to enter a peer comment (or grade)

10 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +2
financial profile analysis


Explanation:
Hi Jeffrey - like SwissTell, I don't specialize in Norwegian but am basing my translation on the German term Bonitätsanalyse. The German word Bonität is credit rating. An internal analysis of a company's financial standing is called a financial profile analysis. Here's a translation of the German reference below:

...Financial Profile Analysis is the internal analysis of financial soundness that makes it easier for investors, risk takers etc. to assess the actual payment track record...

...Financial Profile Analysis nennt sich die interne Bonitätsanalyse welche es Anlegern Risikoträgern und anderen Interessenten erleichtern wird die tatsächliche Zahlungsmoral...
http://www.pressebox.com/key/bonit�tsanalyse

Financial profile analysis
• Financial profile
o Data analysis such as operating margins
o Ratios such as cash flow on debt
o GOAL : assess the financial flexibility of the issuer and its capacity to reduce its debt
• Credit analysts and rating agencies have their own methodology & make their own adjustments on earnings, debt and cash flow
o Such as lease, given guarantees, securitized past and future receivables, pension funds deficits, theoretical debt of captive financial business, cash burn due to non recurring events
o GOAL: calculate a debt including every financial obligations
o and a recurring cash flow reflecting also all financial obligations

http://tinyurl.com/2lyojz

Financial profile analysis
We base our financial profile assessment mainly on quantitative measures, particularly financial ratios, but we also take into account qualitative components. To calculate financial ratios used in determining
stability ratings, Standard & Poor’s makes its customary credit rating adjustments to financial statements, such as the inclusion of off-balance-sheet items to facilitate comparability among peers, whether they are Islamic or not. The financial risk evaluation includes an analysis of:
􀂃 Accounting and financial policy, including distribution policy;
􀂃 Cash flow adequacy and distributable cash flow;
􀂃 Asset quality;
􀂃 Profitability; and
􀂃 Liquidity, financial flexibility, and the funding mix.

http://www2.standardandpoors.com/spf/pdf/media/SP_Launches_S...

FINANCIAL PROFILE ANALYSIS (FPA)
FPA is a report reflecting up to 5 years of a company's key financial figures and ratios. It also provides key corporate information like banking/financing/leasing relationship, no. of employees, shareholders & directors. The graphic presentation shows the changes in the key variables over the past 5 years on its profit margin, return on capital employees & return on equity. It also shows a comparison of the balance sheet structure.
It includes:
. Brief overview of company data . Ownership of commerical property (as per available) . Max 5 years comparison of profit & loss statement. Key Balance Sheet Figures . Financial Ratios . Graphic Presentation on key variables changes . Comparsion of Balance Sheet Structure . Formula of Ratios

http://www.questnet.sg/pdtInfo.asp?sid=undefined#13


Kim Metzger
Mexico
Local time: 11:08
Native speaker of: Native in EnglishEnglish
PRO pts in category: 4
Grading comment
thanx!

Peer comments on this answer (and responses from the answerer)
agree  Per Bergvall: Holy Smoke. Give this man a medal, or lifetime Proz membership, or something. What nobody has noted is that it's a silly and presumptious word in the first place. In Norwegian, bonitet is an expression for soil quality...:-)
1 day 1 hr

agree  Andrew Alix: Isn't the above word a derivative of "bontere" meaning value?
4 days
Login to enter a peer comment (or grade)



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