Answer the Question below please Urgent

Time: 43 minutes, 55 seconds. Question Completion Status: 7 8 9 10 11 14 15 Problem solving "Al Atlal" Company operates in Food and Beverages industry since 1970. Its first restaurant was established in Beirut at that time. "Al Atlar" has had developed efficient operation management over the past 40 years, which led it to open 40 restaurants in the Middle East and North Africa including the UAE. Its restaurants offer a mix of Lebanese and Brazilian cuisine, which made the company products unique, compared to its competitors. However, during last two years, the company started experiencing a slowdown of its sales due to a lack of innovation in the food menu. Consequently, its credit rate passed from AAB to BB. Since 1999, "Atlas" is listed on the Dubai Financial Market DFM. The company is planning to expand its presence in the UAE and open two additional restaurants in Dubai blue eye Water Island and in Abu Dhabi corniche in June 2020. Therefore, "Al Atlal" compny is requesting a loan of AED 90,000,000 to finance its expansion plan in the UAE. The company is planning to invest AED 20,000,000 from its retained earnings. The company has no collateral to provide. Covid 19 Pandemic negatively affected the activity of restaurants operators since mid of March 2020 with a lockdown until end of April. Starting from May, restaurants in the UAE are allowed to reopen with a maximum capacity of 20%. This negative impact for the industry is supposed to continue for a few years until a vaccine is found and tourism activity to get back to 2019 levels. The table below lists the main financial ratios of the company as well as its industry averages: Ratio Al Atlal Company Industry average Current ratio 2 3 Inventory turnover ratio 3 6 Debt to Equity ratio 70% 40% Gross Profit-Sales Ratio 45% 40% Net Profit-Sales Ratio 20% 30% Questions: 1. Perform a credit analysis using the 5Cs approach (select the appropriate sentences and paste them in your answer (if applicable)). 2. As a loan officer, would you accept an application submitted by Al Atlal" company for a business loan