CREDIT APPRAISAL OF EASTERN AGRO EXPORTS PRIVATE LIMITED

This case focuses on the credit appraisal of Eastern Agro Exports Private Limited, a major exporter of halal meat and agro products seeking renewal and enhancement of working capital limits from Coastal Bank Ltd. The company’s strong market position is offset by high working capital intensity, rising leverage, and thin profit margins. The case challenges practitioners to assess the borrower’s financial trends, evaluate collateral adequacy, and consider the impact of partial hedging of foreign currency receivables. It illustrates the practical balance between supporting a large client and enforcing credit discipline, while highlighting opportunities to strengthen risk mitigation through tighter monitoring and increased use of forward contracts.