AL-SAFA MEATEX PVT. LTD.: DEVELOPING A FINANCIAL MODEL FOR CREDIT APPRAISAL

In July 2024, the Corporate Credit Division of National Commercial Bank (NCB) launched an initiative to standardize credit appraisal models for large export-oriented clients. The goal was to ensure greater consistency in how borrower data was analyzed and presented across regional and branch offices. The existing practice of using the Credit Monitoring Arrangement (CMA) format had led to confusion and delays during credit review meetings, particularly in appraising working capital requirements.