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The evaluation of the client's creditworthiness
 Ivašyna, Viktoria ; Cibulka, Jakub (advisor) ; Rajl, Jiří (referee)
The main aim of this bachelor thesis is to introduce some methods that use banks to rate the creditworthiness of their clients as an ability to repay a loan. This thesis focuses on the creditworthiness of a legal entity. In the theoretical part of thesis it is defined a concept of risk and it is explained a credit risk as well. Furthermore, there are presented some credit registers in Czech republic and rating (external and internal). In the chapter on internal rating models there are described the indicators of financial analysis which are used by credit analysts while assesing the creditworthiness of companies. In the practical part of my work stated methods are applied to the company Karlovarské minerální vody, a. s., the results are compared with average values in the industry and in the conclusion it is declared a recommendation whether bank can give the company credit.
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