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Do Numbers Lie? The Other Side of Financial Statement Analysis

If you were to enter the banking industry you may find yourself approving or not approving loans. The following is a good example of a common event you may encounter.

Company X is looking for a $100,000 to purchase new equipment. The finance manager for Company X recently presented financial reports. Upon further analysis of the statements you, the banker, noted some window dressing of the financial statement. In this case it seems Company X will delay payments to vendors in order to make their cash position look higher.

• Do you see this practice a matter of ethical and or legal concern?
• Do you think most all company's "window dress" their data?

Witha Please explain your decision to approve or disapprove Company x's loan