SEGMENT B: CREDIT INTEGRITY & COMPLIANCE REVIEW

Purpose: Evaluates the company's credit profile, legal standing, and financial obligations to determine creditworthiness.

B.1 Credit Score Summary (CTOS/eCCRIS) or equivalent

Credit Aspect	Status	Details	Risk Assessment
Company Credit Score	[CTOS rating]	[Score details]	[Low/Medium/High]
Compliance Status	[Based on MARC legal_cases]	[Compliance details]	[Low/Medium/High]
Legal Standing	[MARC company_status]	[Legal status details]	[Low/Medium/High]
Overall Creditworthiness	[Combined assessment]	[Overall rating]	[Low/Medium/High]

B.2 List of Current Borrowings

Borrowing Detail	Information	Source	Risk Assessment
Total Outstanding Balance	[CTOS total_outstanding]	CTOS Report	[Low/Medium/High]
Number of Facilities	[CTOS facility_count]	CTOS Report	[Low/Medium/High]
Company Charges	[MARC company_charges]	MARC Report	[Low/Medium/High]
Payment Track Record	[CTOS payment_track_record]	CTOS Report	[Low/Medium/High]

Facility Breakdown

Facility Type	Amount (MYR)	Status	Risk Level
[Facility details]	[Amount]	[Status]	[Low/Medium/High]
[Facility details]	[Amount]	[Status]	[Low/Medium/High]

B.3 Director Credit Profile

Director	Designation	Credit Rating	Legal Status	Risk Assessment
[MARC key_management name]	[MARC key_management designation]	[CTOS director_rating]	[Legal status]	[Low/Medium/High]
[MARC key_management name]	[MARC key_management designation]	[CTOS director_rating]	[Legal status]	[Low/Medium/High]
[MARC key_management name]	[MARC key_management designation]	[CTOS director_rating]	[Legal status]	[Low/Medium/High]
[MARC key_management name]	[MARC key_management designation]	[CTOS director_rating]	[Legal status]	[Low/Medium/High]

B.4 Shareholder Credit Profile

Shareholder	Ownership %	Credit Rating	Legal Status	Risk Assessment
[MARC shareholders name]	[MARC shareholders percentage]%	[CTOS shareholder_rating]	[Legal status]	[Low/Medium/High]
[MARC shareholders name]	[MARC shareholders percentage]%	[CTOS shareholder_rating]	[Legal status]	[Low/Medium/High]
[MARC shareholders name]	[MARC shareholders percentage]%	[CTOS shareholder_rating]	[Legal status]	[Low/Medium/High]
[MARC shareholders name]	[MARC shareholders percentage]%	[CTOS shareholder_rating]	[Legal status]	[Low/Medium/High]

B.5 Stress-Test Scenarios

Base Scenario (Current Position)

Financial Metric	Current Value	DSCR	Risk Assessment
Revenue	[MARC revenue]	[Calculated]	[Low/Medium/High]
EBITDA	[Calculated]	[Calculated]	[Low/Medium/High]
EBITDA Margin	[Calculated]%	[Calculated]	[Low/Medium/High]
Total Debt Service	[Calculated]	[Calculated]	[Low/Medium/High]

Mild Downturn Scenario (20% Revenue Reduction)

Financial Metric	Stressed Value	DSCR	Risk Assessment
Revenue	[Calculated]	[Calculated]	[Low/Medium/High]
EBITDA	[Calculated]	[Calculated]	[Low/Medium/High]
EBITDA Margin	[Calculated]%	[Calculated]	[Low/Medium/High]
Total Debt Service	[Calculated]	[Calculated]	[Low/Medium/High]

Severe Downturn Scenario (40% Revenue Reduction)

Financial Metric	Stressed Value	DSCR	Risk Assessment
Revenue	[Calculated]	[Calculated]	[Low/Medium/High]
EBITDA	[Calculated]	[Calculated]	[Low/Medium/High]
EBITDA Margin	[Calculated]%	[Calculated]	[Low/Medium/High]
Total Debt Service	[Calculated]	[Calculated]	[Low/Medium/High]

Stress Test Summary

Scenario	Overall Risk	Key Concerns	Recommendations
Base	[Low/Medium/High]	[Key concerns]	[Recommendations]
Mild Downturn	[Low/Medium/High]	[Key concerns]	[Recommendations]
Severe Downturn	[Low/Medium/High]	[Key concerns]	[Recommendations]

Alerts & Recommendations

Alert Type	Description	Impact	Action Required
[Alert type]	[Alert description]	[High/Medium/Low]	[Specific action]
[Alert type]	[Alert description]	[High/Medium/Low]	[Specific action]
[Alert type]	[Alert description]	[High/Medium/Low]	[Specific action]

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