FIN441 Bank is a reputable bank in the financial market of Bangladesh. They are currently in a position to give loans to corporations. The financial market of Bangladesh is booming and market intelligence is that interest rate might rise. In the market they are known for not taking unnecessary risks and public confidence in the bank is high. Operating with a positive interest sensitive gap and cumulative gap, the management of the bank believes in not applying aggressive strategies when market is in turmoil. Due to the booming market the management of the bank has decided to venture into various investments by providing loans to various industries. One such loan officer from the bank has been sitting with loan applications from two companies, all of which are from different sectors. He is confused and cannot decide which loan he should approve or should he approve all two or none at all. Below table lists some of the key financial ratios of the companies: -

Ratios	Beximco Pharmaceuticals	Renata Pharmaceuticals
Currents Ratio	4.5	3.8
Quick Ratio	2.0	2.5
Average Collection Period	65 days	73 days
Return on Assets	6.79%	6.17%
Debt- Asset ratio	.40	.52
Debt Equity ratio	2.5	1.5

Using the above financial ratios and 6 Cs of Creditworthiness Checking assist the loan officer of FIN441 bank to determine which company or companies are best suited to receive loan; or do you think the loan officer should decline all two. Explain in details the methods used to validate your answer. Make sure your answer has clear logic and reasoning. Make sure you give a clear decision. (1+4+5)