RSA Tools

RSA tools is a set of tools developed from Syn Yew’s Expected Loss model, helping bankers to apply these tools to their actual works in a practical and easy way. 

RSA stand for Risks, Structures and Actions, with the ultimate objective to maximise Expected Revenue and minimise Expected Loss. 

Understand the Client Risk Analysis Process

RSA	Tool	Tool Description
	TOOL A1	Understand The Client Risk Analysis Process
	TOOL B1	Legal Counterparties and Credit Base
	TOOL B2	Analysing The Credit Need
	TOOL B3	Checklist For Simple Reviews
	TOOL C1	Credit Risk Grid
	TOOL D1	Business Risks And Mitigants (“4CS AND 3MS”)
	TOOL E1	Reliability Of Financial Statement Data
	TOOL E2	Accounting Policies Checklist
	TOOL E3	Creative Accounting Checklist
	TOOL E4	Financial Risk Analysis Overview
	TOOL E5	A Structured Approach to Projections (PAWS/CLAW)
	TOOL E6	Income Statement Assessment
	TOOL E7	Ratio Analysis – Revenues and Profitability
	TOOL E8	Asset Conversion Cycle (ACC)
	TOOL E9	Ratio Analysis – Asset Management
	TOOL E10	Balance Sheet Assessment
	TOOL E11	Ratio Analysis – Leverage & Debt Capacity
	TOOL E12	Cash Flow Drivers (PACED)
	TOOL E13	Cash Flow / Debt Service Measurement
	TOOL E14	Ratio Analysis – Debt Service And Liquidity
	TOOL F1	Group Structure Risk
	TOOL F2	Anticipating Parent/Group Company Support
	TOOL F3	Assessing Group Structure Risk
	TOOL F4	Mitigants For Group Structure Risk
	TOOL G1	Business Development and Product Opportunities per Cash Driver
	TOOL G2	Internal Triggers
	TOOL G3	Setting Non-Financial Internal Triggers
	TOOL G4	Client/Facility Monitoring Plan
	TOOL G5	Non-Financial Early Warning Signals (EWS)
	TOOL H1	Structured Approach to Risk Analysis

Structured Approach to Deal Structure

RSA	Tool	Tool Description
	TOOL I1	Structure the Deal: Detailed Steps
	TOOL I2	Linking Credit Bases to the Structure
	TOOL J1	Identify Other Stakeholder Risks
	TOOL J2	Cross Border Risks and Mitigants
	TOOL J3	Identify Deal Risks
	TOOL J4	Controlling Assets, Cash Flows and Contracts
	TOOL K1	Attributes of Good Security
	TOOL K2	Key Issues on Underlying Contracts
	TOOL K3	Guarantees: Checklist of Key Issues
	TOOL K4	Guarantors: Key Issues
	TOOL L1	Setting Covenants
	TOOL L2	Non Financial Covenants Grid
	TOOL L3	Financial Covenants Grid
	TOOL L4	Balance Sheet and Income Statement Covenants: Protection and Drawbacks
	TOOL L5	Definition of Terms Balance Sheet and Income Statement Covenants
	TOOL L6	The Component Parts of a Debt Service Coverage Ratio/Covenant
	TOOL L7	Cash Flow Covenants Protection and Drawbacks
	TOOL L8	Covenant Breach
	TOOL L9	Ring Fencing
	TOOL L10	Setting Appropriate Levels for Financial Covenants
	TOOL M1	Information
	TOOL N1	Key Issues in Documentation
	TOOL O1	Implementation of the Structure
	TOOL O2	The Stress Grid