EBIT, A company's earnings before interest and taxes, Portfolio, All the securities and financial assets held by a financial institution or individual, Credit rating, An evaluation of a borrower's ability to pay interest and repay a loan in the future, Collateral, Something of value that secures a loan and can be sold if the borrower fails to repay, Maturity, The date when a loan must be repaid, or the time remaining until that date, Margin, The difference between the interest rate a lender pays and the rate it charges borrowers, Overhead costs, Business operating expenses not directly related to individual products or services, Credit limit, The maximum amount a bank will lend to a customer, Operating cash flow, Money generated from a business's normal activities, Cost of funds, The interest rate a financial institution pays to obtain money

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