Peculiarities of calculating financial ratios within the framework of the creditworthiness assessment of a borrower in a commercial bank

The borrower's credit rating is an important step in the bank’s decision-making process regarding the advisability of providing a loan to a natural or legal person, a mortgage or a credit card. Within this stage, the calculation of financial ratios is carried out, analysis of which allows us to conclude that the borrower is able to repay borrowed funds and interest accrued on them.