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标题: 请教银行的朋友 [打印本页]

作者: 铁头功 时间: 2013-3-27 13:42:04 标题: 请教银行的朋友

看到一个公司的财务报告上这样一段话：
“Interest rates charged on the facility for the drawdown period are at the 90-day benchmark borrowing rate (BKBM) plus a margin. As at 30 June 2012 the weighted average interest rate applying to drawn amounts was 3.57% (includes margin)
(2011: 3.55%). Through the use of interest rate swaps Precinct has as of 30 June 2012 effectively fixed the interest rate on
$219,000,000 being 63.2% (2011: $247,500,000, 87.6%) of its total drawn amount at a weighted average interest rate of 7.26% (includes margin) (2011: 7.37%). The weighted average term of the swaps is 4.3 years (2011: 4.0 years). Precinct also pays a fee for the facility which is payable quarterly to BNZ, ANZ and ASB. Precinct also pays a facility agent fee to ANZ.”

1、请教，既然平均利率只有3.57%，为什么要通过swaps将大部分贷款的利润固定到7.26%？
2、这个公司的贷款成本到底是多少？3.57%左右还是7.26%左右？

多谢。

作者: naonaokunkun 时间: 2013-3-27 14:06:29

太高深啦！！！

作者: 铁头功 时间: 2013-3-27 14:15:20

naonaokunkun 发表于 2013-3-27 14:06
太高深啦！！！

对在银行做信贷的朋友来说，肯定是小菜一碟。

作者: hoolee 时间: 2013-3-27 14:35:40

弱弱的问一句，3.57%也不是贷款利率啊？

作者: 铁头功 时间: 2013-3-27 15:32:53

hoolee 发表于 2013-3-27 14:35
弱弱的问一句，3.57%也不是贷款利率啊？

你的意思是说，下面这段话中的利率不是贷款利率？
“Interest rates charged on the facility for the drawdown period are at the 90-day benchmark borrowing rate (BKBM) plus a margin. As at 30 June 2012 the weighted average interest rate applying to drawn amounts was 3.57% (includes margin) ”
这里面说了interest rates charged啊。可能这段话的措辞需要专业解读。

它在2011年的报告中说了当年的综合借款成本是7.8%。

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