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fincalc-nli

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Relationship manager notes - Harbour Health Holdings: net interest expense €5.3 million - Meridian Foods Holdings: EBITDA €17.3m - Harbour Health Holdings: EBITDA €4.2m - Meridian Foods Holdings: net interest expense €7,500,000 Minimum DSCR at origination is 1.25x.	The interest cover ratio for Harbour Health Holdings is 2.3x.	0	interest cover ratio	wrong_entity
Credit committee paper, key figures - Orchard Bank (prior year): CET1 capital £7,190.0m - Orchard Bank: CET1 capital £753.0 million - Orchard Bank: risk-weighted assets £6,050,000,000 - Orchard Bank (prior year): risk-weighted assets £49,530,000,000 - Quayside Bank: CET1 capital £2.96bn - Quayside Bank: risk-weighted a...	The CET1 capital ratio for Orchard Bank is 12.4%.	1	CET1 ratio	correct
Credit committee paper, key figures Kingsway Bank reported CET1 capital of $7.21bn. The risk-weighted assets of Kingsway Bank was $6.68bn. Harbour Bank reported risk-weighted assets of $49,700,000,000. The CET1 capital of Harbour Bank was $734,000,000.	Based on these figures, Kingsway Bank's CET1 ratio works out at 107.9%.	1	CET1 ratio	correct
Credit committee paper, key figures - Beacon Bank (prior year): non-performing loans €144.70m - Beacon Bank (prior year): gross loans €33,610,000,000 - Foxglove Bank: gross loans €34,770.0m - Beacon Bank: gross loans €28,370,000,000 - Beacon Bank: non-performing loans €409.8 million - Foxglove Bank: non-performing loan...	Beacon Bank: NPL ratio = 2.6%.	0	NPL ratio	wrong_entity
Credit file extract The non-performing loans of Kestrel Bank was £69.90m. The gross loans of Kestrel Bank was £12,020,000,000.	The non-performing loans of Kestrel Bank is £92.7m.	0	lookup	numeric_swap
Credit committee paper, key figures - Harbour Engineering Ltd: net interest expense $6,700,000 - Driftwood Farms Limited: net interest expense $1.1 million - Driftwood Farms Limited (prior year): net interest expense $1.40m - Driftwood Farms Limited (prior year): EBITDA $21,400,000 - Harbour Engineering Ltd: EBITDA $30...	Driftwood Farms Limited has a interest cover ratio of 12.33x.	0	interest cover ratio	slip
Credit committee paper, key figures - 73 Kings Road, Derby: latest property valuation £906,000 - 73 Kings Road, Derby: outstanding loan balance £239,000 Figures are unaudited unless stated.	The loan-to-value ratio for 73 Kings Road, Derby is 379.08%.	0	loan-to-value ratio	inverted
Financial covenants pack Annual debt service (Valemont Plastics plc (prior year)): $3.9 million Net operating income (Harbour Media plc): $1.20m Annual debt service (Harbour Media plc): $639,000 Net operating income (Valemont Plastics plc): $3.00m Annual debt service (Valemont Plastics plc): $837,000 Net operating inco...	At 3.58 times, the debt service coverage ratio for Valemont Plastics plc meets the covenant level of 5.01x.	0	debt service coverage ratio	covenant_flipped
Annual review summary The latest property valuation of 6 Kings Road, Norwich was £1.1m. The outstanding loan balance of 6 Kings Road, Norwich was £579,000. 119 Chapel Row, Durham reported latest property valuation of £796,000. 119 Chapel Row, Durham reported outstanding loan balance of £748,000.	In FY2025, the LTV of 119 Chapel Row, Durham was 107.2%.	0	loan-to-value ratio	slip
Quarterly risk report Redwood Energy Holdings \| facility amount \| $47.1 million Redwood Energy Holdings \| all-in interest rate \| 8.44% Minimum DSCR at origination is 1.25x.	The yearly interest for Redwood Energy Holdings is $3.6 million.	0	annual interest cost	slip
Credit file extract Newhaven Bank \| risk-weighted assets \| £12,980,000,000 Upland Bank \| CET1 capital \| £1.41bn Upland Bank \| risk-weighted assets \| £33.81bn Newhaven Bank \| CET1 capital \| £7.53bn	The CET1 ratio for Upland Bank is 58.0%.	0	CET1 ratio	wrong_entity
Annual review summary Summit Health Group \| revenue \| $136.5 million Oakfield Packaging plc (prior year) \| revenue \| $115.8 million Oakfield Packaging plc \| revenue \| $24.5m Oakfield Packaging plc (prior year) \| EBITDA \| $27,600,000 Summit Health Group \| EBITDA \| $25.6 million	Oakfield Packaging plc has a EBITDA margin of 119.18%.	2	EBITDA margin	missing_input
Financial covenants pack Juniper Plastics Limited \| facility amount \| £31,200,000 Oakfield Engineering Limited \| facility amount \| £2.7 million Oakfield Engineering Limited \| all-in interest rate \| 4.22% Juniper Plastics Limited \| all-in interest rate \| 2.87%	Based on these figures, Juniper Plastics Limited's annual interest cost works out at £895,440.	1	annual interest cost	correct
Quarterly risk report Facility amount (Kestrel Components Group): $12,400,000 All-in interest rate (Kestrel Components Group): 6.30%	The all-in interest rate of Kestrel Components Group is 6.30%.	1	lookup	lookup
Extract from the latest management accounts - Kestrel Health plc: gross debt £37.0m - Kestrel Health plc: cash balance £5,300,000	Kestrel Health plc: leverage = 12.2x.	2	leverage	missing_input
Quarterly risk report - 95 Victoria Road, Chester: latest property valuation £569,000 - 53 Park Avenue, Chester: outstanding loan balance £561,000 - 53 Park Avenue, Chester: latest property valuation £642,000	In FY2025, the LTV of 95 Victoria Road, Chester was 40.4%.	2	loan-to-value ratio	missing_input
Credit committee paper, key figures The cash balance of Pinecrest Media Holdings was $7,900,000. The gross debt of Pinecrest Media Holdings was $13,400,000. Maximum LTV for buy-to-let lending is 75%.	The net debt position for Pinecrest Media Holdings is $6.2 million.	0	net debt	slip
Extract from the latest management accounts Ashford Textiles Ltd reported annual debt service of $1.1 million. Ashford Textiles Ltd reported net operating income of $5.10m. The annual debt service of Ashford Textiles Ltd (prior year) was $1.3m. Ashford Textiles Ltd (prior year) reported net operating income of $5.5m. F...	Based on these figures, Ashford Textiles Ltd's debt service cover works out at 4.6x.	1	debt service coverage ratio	correct
Annual review summary The loan loss provisions of Silverton Bank was £306.4m. Silverton Bank reported non-performing loans of £895.2 million.	The non-performing loans of Silverton Bank is £895.2 million.	1	lookup	lookup
Relationship manager notes Hollybank Builders Group reported cash balance of €10.9 million. The cash balance of Orchard Hotels plc was €13.2m. The gross debt of Orchard Hotels plc was €45.3 million. Hollybank Builders Group reported gross debt of €37.1 million.	Orchard Hotels plc: net debt position = €32.10m.	1	net debt	correct
Relationship manager notes Ashford Bank reported non-performing loans of €100,500,000. Ashford Bank reported gross loans of €42,060.0m.	Ashford Bank has a NPL ratio of 0.36%.	0	NPL ratio	slip
Annual review summary The gross loans of Summit Bank was €36.06bn. The non-performing loans of Elmstead Bank was €837,900,000. Elmstead Bank reported gross loans of €46.55bn. The non-performing loans of Summit Bank was €38,700,000. Exposures above £25m require Credit Committee approval.	In FY2023, the non-performing loan ratio of Summit Bank was 1.80%.	0	NPL ratio	wrong_entity
Extract from the latest management accounts Kingsway Care Homes Group \| EBITDA \| $8.20m Kingsway Care Homes Group \| revenue \| $158.9 million	The EBITDA of Kingsway Care Homes Group is $8.20m.	1	lookup	lookup
Credit committee paper, key figures All-in interest rate (Kestrel Energy Group): 4.44% All-in interest rate (Juniper Care Homes Ltd): 8.49% Facility amount (Kestrel Energy Group): $4.2 million Facility amount (Juniper Care Homes Ltd): $48.0 million	In FY2024, the annual interest cost of Juniper Care Homes Ltd was $4.1 million.	1	annual interest cost	correct
Extract from the latest management accounts The gross debt of Meridian Energy plc (prior year) was €41.0m. Newhaven Logistics Holdings reported cash balance of €6.00m. The cash balance of Meridian Energy plc was €13.4m. Newhaven Logistics Holdings reported EBITDA of €7.2m. The gross debt of Newhaven Logistics Holdings ...	Based on these figures, Meridian Energy plc's net leverage works out at 3.22 times.	0	leverage	slip
Extract from the latest management accounts - Redwood Bank: non-performing loans £566.6m - Redwood Bank: gross loans £21,430.00m	The gross loans of Redwood Bank is £21,430.00m.	1	lookup	lookup
Quarterly risk report Risk-weighted assets (Valemont Bank): €2,260,000,000 Cet1 capital (Valemont Bank): €2,630,000,000 Risk-weighted assets (Cobalt Bank): €43,960,000,000	Cobalt Bank: common equity tier 1 ratio = 19.63%.	2	CET1 ratio	missing_input
Portfolio monitoring note Ebitda (Silverton Media plc): £24.5 million Net interest expense (Silverton Media plc): £3.0 million Covenant: interest cover ratio minimum 9.88x.	Silverton Media plc's interest cover ratio of 8.17x breaches the 9.88x covenant.	1	interest cover ratio	covenant_correct
Annual review summary Net operating income (Foxglove Energy Group (prior year)): £1.7 million Net operating income (Foxglove Energy Group): £1,200,000 Annual debt service (Juniper Health Ltd): £1,300,000 Annual debt service (Foxglove Energy Group (prior year)): £1.2m Net operating income (Juniper Health Ltd): £4.7 mill...	Foxglove Energy Group: DSCR = 1.81x.	1	debt service coverage ratio	correct
Financial covenants pack The gross debt of Kestrel Farms Holdings was £18.3 million. The cash balance of Kestrel Farms Holdings was £1,200,000. Covenants are tested quarterly on a rolling 12-month basis.	Kestrel Farms Holdings: net debt to EBITDA = 1.1 times.	2	leverage	missing_input
Portfolio monitoring note Net operating income (Redwood Energy Holdings): £3,000,000 Annual debt service (Redwood Energy Holdings): £1,700,000 Annual debt service (Juniper Foods plc): £1,200,000 Net operating income (Juniper Foods plc): £2.5 million Stress testing applies a 3% rate shock to variable-rate facilities. Co...	At 1.76 times, the debt service coverage ratio for Redwood Energy Holdings meets the covenant level of 1.58x.	1	debt service coverage ratio	covenant_correct
Annual review summary The EBITDA of Riverside Components plc was £25,800,000. Riverside Components plc reported net interest expense of £8,200,000. Covenants are tested quarterly on a rolling 12-month basis.	Riverside Components plc: interest cover ratio = 3.1x.	1	interest cover ratio	correct
Credit file extract Orchard Bank \| gross loans \| £9.69bn Kestrel Bank \| gross loans \| £10.78bn Orchard Bank \| non-performing loans \| £743,900,000 Kestrel Bank \| non-performing loans \| £748.0m Minimum DSCR at origination is 1.25x.	Orchard Bank: NPL ratio = 7.7%.	1	NPL ratio	correct
Annual review summary Revenue (Brookline Farms plc): $133.1 million Ebitda (Northgate Farms Group): $14,200,000 Ebitda (Brookline Farms plc): $13,100,000 Revenue (Northgate Farms Group): $91.6 million Maximum LTV for buy-to-let lending is 75%.	In 2024, the EBITDA margin of Summit Foods Limited was 9.84%.	2	EBITDA margin	absent_subject
Extract from the latest management accounts Gross loans (Redwood Bank): $9,920.0m Gross loans (Northgate Bank): $49.81bn Non-performing loans (Northgate Bank): $772.8m Non-performing loans (Redwood Bank): $825,300,000	In FY2024, the non-performing loans ratio of Northgate Bank was 1.6%.	1	NPL ratio	correct
Credit committee paper, key figures Upland Plastics plc \| revenue \| $55.80m Upland Plastics plc \| EBITDA \| $23,900,000 Meridian Hotels Limited \| revenue \| $39.7 million Meridian Hotels Limited \| EBITDA \| $1,600,000	Based on these figures, Meridian Hotels Limited's EBITDA margin works out at 4.0%.	1	EBITDA margin	correct
Relationship manager notes Beacon Farms Ltd \| annual debt service \| €2,100,000 Beacon Farms Ltd \| net operating income \| €1,900,000 Maximum LTV for buy-to-let lending is 75%. Covenant: debt service coverage ratio minimum 0.74x.	At 0.90 times, the debt service coverage ratio for Beacon Farms Ltd meets the covenant level of 0.74x.	1	debt service coverage ratio	covenant_correct
Quarterly risk report - Meridian Bank: CET1 capital $3,840.00m - Meridian Bank: risk-weighted assets $22,480,000,000	The CET1 capital of Meridian Bank is $2.43bn.	0	lookup	numeric_swap
Credit committee paper, key figures Ebitda (Redwood Retail Group): $32,600,000 Net interest expense (Redwood Retail Group): $8,700,000	The EBITDA of Redwood Retail Group is $32,600,000.	1	lookup	lookup
Quarterly risk report The facility amount of Upland Logistics Ltd was £3.3m. The all-in interest rate of Upland Logistics Ltd (prior year) was 7.67%. Valemont Textiles Ltd reported facility amount of £815,000. The all-in interest rate of Upland Logistics Ltd was 2.71%. Upland Logistics Ltd (prior year) reported facilit...	The annual interest cost for Upland Logistics Ltd is £89,430.	1	annual interest cost	correct
Financial covenants pack Ashford Builders Holdings \| revenue \| $138,400,000 Covenants are tested quarterly on a rolling 12-month basis.	Based on these figures, Ashford Builders Holdings's EBITDA margin works out at 14.81%.	2	EBITDA margin	missing_input
Annual review summary - Silverton Components Ltd: cash balance €6.60m - Silverton Components Ltd: gross debt €77,300,000 Valuations older than 12 months must be refreshed.	The net debt position for Silverton Components Ltd is €66,959,169.	0	net debt	slip
Annual review summary The gross debt of Kestrel Health Holdings was €80.3m. Kestrel Health Holdings reported cash balance of €1.1m.	The cash balance of Kestrel Health Holdings is €1.1m.	1	lookup	lookup
Credit file extract Revenue (Summit Foods plc): €70.0 million Ebitda (Summit Foods plc): €9.20m Revenue (Summit Foods plc (prior year)): €182,400,000 Ebitda (Summit Foods plc (prior year)): €22,900,000	The EBITDA margin for Summit Foods plc is 15.58%.	0	EBITDA margin	slip
Quarterly risk report Orchard Textiles plc reported annual debt service of $2.4 million. The net operating income of Beacon Plastics Ltd was $3.20m. The net operating income of Orchard Textiles plc was $5,800,000. The annual debt service of Beacon Plastics Ltd was $1.3 million. Minimum DSCR at origination is 1.25x.	Beacon Plastics Ltd has a debt service coverage ratio of 2.5 times.	1	debt service coverage ratio	correct
Quarterly risk report Elmstead Packaging plc \| gross debt \| $85,000,000 Elmstead Packaging plc \| cash balance \| $2,000,000	Based on these figures, Elmstead Packaging plc's net debt works out at $83.0 million.	1	net debt	correct
Extract from the latest management accounts Ironbridge Care Homes Limited \| all-in interest rate \| 8.48% Summit Care Homes Limited \| facility amount \| $30.20m Summit Care Homes Limited \| all-in interest rate \| 5.46% Ironbridge Care Homes Limited \| facility amount \| $15,200,000 Stress testing applies a 3% rate shock to ...	Based on these figures, Ironbridge Care Homes Limited's annual interest cost works out at $1.3m.	1	annual interest cost	correct
Annual review summary Latest property valuation (105 Mill Lane, Swansea): £1,200,000 Outstanding loan balance (104 Queens Drive, Swansea): £262,000 Outstanding loan balance (105 Mill Lane, Swansea): £279,000 Latest property valuation (104 Queens Drive, Swansea): £1.4m	Based on these figures, 104 Queens Drive, Swansea's LTV works out at 18.71%.	1	loan-to-value ratio	correct
Annual review summary Ebitda (Ashford Health Group): €25.90m Gross debt (Ashford Health Group): €44,000,000 Covenants are tested quarterly on a rolling 12-month basis.	Based on these figures, Ashford Health Group's leverage works out at 1.7x.	2	leverage	missing_input
Relationship manager notes All-in interest rate (Elmstead Components Ltd): 7.72% All-in interest rate (Ashford Plastics Group): 3.14% Facility amount (Elmstead Components Ltd): £36,500,000 Facility amount (Ashford Plastics Group): £3.3 million Covenants are tested quarterly on a rolling 12-month basis.	Elmstead Components Ltd: yearly interest = £2.8m.	1	annual interest cost	correct
Credit committee paper, key figures - Granite Retail Holdings: net interest expense €7.00m - Granite Retail Holdings: EBITDA €26.2 million Exposures above £25m require Credit Committee approval.	Based on these figures, Granite Retail Holdings's interest cover ratio works out at 3.74x.	1	interest cover ratio	correct
Relationship manager notes - Northgate Bank: non-performing loans £595.00m - Northgate Bank: gross loans £12.07bn - Silverton Bank: non-performing loans £512,500,000 - Silverton Bank: gross loans £17.59bn Minimum DSCR at origination is 1.25x.	Silverton Bank has a NPL ratio of 4.9%.	0	NPL ratio	wrong_entity
Credit committee paper, key figures The net operating income of Newhaven Packaging Ltd was $3.40m. The annual debt service of Hollybank Energy plc was $1.10m. Newhaven Packaging Ltd reported annual debt service of $1.2 million. Hollybank Energy plc reported net operating income of $4.3m. Minimum DSCR at origination is ...	The debt service coverage ratio for Newhaven Packaging Ltd is 3.9x.	0	debt service coverage ratio	wrong_entity
Credit committee paper, key figures - Ashford Components Ltd: net interest expense €2.7 million - Thornbury Builders Limited: net interest expense €7.0 million - Thornbury Builders Limited: EBITDA €14.0 million - Ashford Components Ltd: EBITDA €33.2 million Covenant: interest cover ratio minimum 1.59x.	At 2.0 times, the interest cover ratio for Thornbury Builders Limited meets the covenant level of 1.59x.	1	interest cover ratio	covenant_correct
Quarterly risk report - 78 Station Road, Leeds: latest property valuation £1,200,000 - 130 Market Square, Durham: outstanding loan balance £388,000 - 130 Market Square, Durham: latest property valuation £334,000 - 78 Station Road, Leeds: outstanding loan balance £118,000	78 Station Road, Leeds has a loan-to-value of 9.83%.	1	loan-to-value ratio	correct
Financial covenants pack Latest property valuation (146 Chapel Row, Durham): £1,200,000 Latest property valuation (37 High Street, Chester): £1.20m Outstanding loan balance (146 Chapel Row, Durham): £177,000 Outstanding loan balance (37 High Street, Chester): £662,000	The loan-to-value ratio for 37 High Street, Chester is 14.8%.	0	loan-to-value ratio	wrong_entity
Credit file extract The net interest expense of Pinecrest Farms plc was $6,700,000. Pinecrest Farms plc reported EBITDA of $18.30m. Foxglove Logistics Ltd reported net interest expense of $1.20m. Foxglove Logistics Ltd reported EBITDA of $27.5m. Stress testing applies a 3% rate shock to variable-rate facilities.	Foxglove Logistics Ltd: interest cover = 22.9x.	1	interest cover ratio	correct
Credit committee paper, key figures Summit Textiles Ltd \| facility amount \| €18,300,000 Summit Textiles Ltd \| all-in interest rate \| 7.98%	In FY2024, the annual interest cost of Summit Textiles Ltd was €1,460,340.	1	annual interest cost	correct
Relationship manager notes - 155 High Street, Durham: outstanding loan balance £431,000 - 155 High Street, Durham (prior year): latest property valuation £1.1 million - 61 Kings Road, Derby: latest property valuation £552,000 - 61 Kings Road, Derby: outstanding loan balance £645,000 - 155 High Street, Durham: latest pr...	The loan-to-value for 155 High Street, Durham is 33.15%.	1	loan-to-value ratio	correct
Quarterly risk report The EBITDA of Upland Retail Holdings was $10.0m. Upland Retail Holdings reported revenue of $103.2m. The EBITDA of Redwood Plastics Group was $16.4m. Redwood Plastics Group (prior year) reported revenue of $60,800,000. The revenue of Redwood Plastics Group was $109.1 million. The EBITDA of Redwood...	Based on these figures, Redwood Plastics Group's EBITDA margin works out at 19.95%.	0	EBITDA margin	slip
Annual review summary Ebitda (Cobalt Care Homes plc): €1.9 million	Based on these figures, Cobalt Care Homes plc's ICR works out at 0.56x.	2	interest cover ratio	missing_input
Quarterly risk report The EBITDA of Upland Components Ltd was €23.7m. The revenue of Upland Components Ltd was €143.10m.	Based on these figures, Upland Components Ltd's EBITDA margin works out at 16.56%.	1	EBITDA margin	correct
Quarterly risk report The cash balance of Granite Media plc (prior year) was £5,000,000. Granite Media plc reported EBITDA of £25,200,000. The EBITDA of Granite Media plc (prior year) was £22.30m. Granite Media plc reported gross debt of £72,100,000. The EBITDA of Granite Foods Group was £14.10m. Granite Media plc repo...	Granite Media plc: net debt to EBITDA = 2.8 times.	1	leverage	correct
Financial covenants pack - Summit Energy Ltd: net operating income €4.8 million - Foxglove Packaging plc: net operating income €1.9 million - Summit Energy Ltd: annual debt service €3.80m - Foxglove Packaging plc: annual debt service €3,900,000 Minimum DSCR at origination is 1.25x.	Foxglove Packaging plc has a debt service coverage ratio of 1.3 times.	0	debt service coverage ratio	wrong_entity
Credit committee paper, key figures Cash balance (Kestrel Logistics Ltd): $7.8 million Ebitda (Millbrook Health Group): $8.2m Cash balance (Millbrook Health Group): $10.0 million Gross debt (Millbrook Health Group): $12,900,000 Ebitda (Kestrel Logistics Ltd): $25.4 million Gross debt (Kestrel Logistics Ltd): $62,600,00...	Kestrel Logistics Ltd's leverage of 2.2x breaches the 1.81x covenant.	1	leverage	covenant_correct
Financial covenants pack The net operating income of Beacon Engineering Ltd (prior year) was £5.1 million. The annual debt service of Beacon Engineering Ltd was £2,300,000. Beacon Engineering Ltd reported net operating income of £2.0m. Beacon Engineering Ltd (prior year) reported annual debt service of £2,600,000. Cove...	Beacon Engineering Ltd's debt service coverage ratio of 0.9x meets the 0.78x covenant.	1	debt service coverage ratio	covenant_correct
Credit committee paper, key figures Facility amount (Beacon Health Ltd): $46.9 million All-in interest rate (Beacon Health Ltd): 5.80% All-in interest rate (Larkspur Components Ltd): 10.50% Facility amount (Larkspur Components Ltd): $19.9 million	Based on these figures, Beacon Health Ltd's annual interest cost works out at $3,265,290.	0	annual interest cost	slip
Relationship manager notes - 29 Market Square, Norwich: latest property valuation £691,000 - 103 Kings Road, Stirling: latest property valuation £1.40m - 103 Kings Road, Stirling: outstanding loan balance £118,000 - 29 Market Square, Norwich: outstanding loan balance £137,000 Maximum LTV for buy-to-let lending is 75%.	Based on these figures, 29 Market Square, Norwich's loan-to-value ratio works out at 19.8%.	1	loan-to-value ratio	correct
Extract from the latest management accounts Outstanding loan balance (133 High Street, Bristol): £462,000 Latest property valuation (77 Queens Drive, Durham): £454,000 Outstanding loan balance (77 Queens Drive, Durham): £316,000 Latest property valuation (133 High Street, Bristol): £817,000 Figures are unaudited unless...	133 High Street, Bristol has a loan-to-value ratio of 48.4%.	0	loan-to-value ratio	slip
Credit committee paper, key figures Kestrel Bank reported gross loans of £39,060,000,000. Beacon Bank reported gross loans of £13.45bn. Kestrel Bank reported non-performing loans of £273.0m. Beacon Bank reported non-performing loans of £777.1 million.	Based on these figures, Beacon Bank's NPL ratio works out at 5.78%.	1	NPL ratio	correct
Extract from the latest management accounts Juniper Farms Ltd \| revenue \| $192.70m Juniper Farms Ltd \| EBITDA \| $15,200,000 Pinecrest Health Group \| revenue \| $127.6m Pinecrest Health Group \| EBITDA \| $8.4 million	Pinecrest Health Group: EBITDA margin = 6.6%.	1	EBITDA margin	correct
Extract from the latest management accounts Meridian Bank \| CET1 capital \| £974.0 million Elmstead Bank \| CET1 capital \| £4,110.00m Meridian Bank \| risk-weighted assets \| £64,570,000,000 Elmstead Bank \| risk-weighted assets \| £14,530,000,000 Stress testing applies a 3% rate shock to variable-rate facilities.	Elmstead Bank: CET1 ratio = 1.51%.	0	CET1 ratio	wrong_entity
Relationship manager notes - Northgate Bank: CET1 capital €6.15bn - Northgate Bank: risk-weighted assets €37.72bn	The CET1 capital of Northgate Bank is €6.15bn.	1	lookup	lookup
Portfolio monitoring note - Quayside Farms Holdings: all-in interest rate 7.01% - Quayside Farms Holdings: facility amount €17.3m - Driftwood Foods Limited: facility amount €25.7 million - Driftwood Foods Limited: all-in interest rate 3.44%	Based on these figures, Quayside Farms Holdings's annual interest cost works out at €1.2m.	1	annual interest cost	correct
Financial covenants pack The latest property valuation of 173 Mill Lane, York was £1.1 million. The outstanding loan balance of 4 Mill Lane, Derby was £663,000. 173 Mill Lane, York reported outstanding loan balance of £224,000. The latest property valuation of 4 Mill Lane, Derby was £841,000. Figures are unaudited unle...	In 2024, the loan-to-value ratio of 4 Mill Lane, Derby was 58.95%.	0	loan-to-value ratio	slip
Quarterly risk report The CET1 capital of Riverside Bank was €2.55bn. The CET1 capital of Northgate Bank was €681,000,000. Riverside Bank (prior year) reported risk-weighted assets of €17.16bn. The CET1 capital of Riverside Bank (prior year) was €2,300.0m. The risk-weighted assets of Northgate Bank was €62,560.00m.	Riverside Bank: CET1 ratio = 29.1%.	2	CET1 ratio	missing_input
Quarterly risk report - Driftwood Plastics plc (prior year): net operating income £1.80m - Millbrook Foods Ltd: annual debt service £3.70m - Driftwood Plastics plc: annual debt service £1.5 million - Driftwood Plastics plc (prior year): annual debt service £1,100,000 - Millbrook Foods Ltd: net operating income £2,600,0...	Driftwood Plastics plc: debt service coverage ratio = 1.67x.	2	debt service coverage ratio	missing_input
Extract from the latest management accounts Cash balance (Ironbridge Care Homes plc): €10.2 million Gross debt (Ironbridge Care Homes plc): €77,400,000 Ebitda (Ironbridge Care Homes plc): €28,300,000 Maximum LTV for buy-to-let lending is 75%.	Ironbridge Care Homes plc has a leverage of 2.48x.	0	leverage	slip
Credit file extract Net operating income (Orchard Plastics Limited): £2.3 million Net operating income (Valemont Hotels Holdings): £4.6m Annual debt service (Orchard Plastics Limited): £3,400,000 Annual debt service (Valemont Hotels Holdings): £892,000 Covenants are tested quarterly on a rolling 12-month basis.	Valemont Hotels Holdings has a debt service coverage ratio of 0.68x.	0	debt service coverage ratio	wrong_entity
Annual review summary Elmstead Logistics Holdings reported cash balance of $3.10m. The gross debt of Beacon Farms plc was $51.7 million. Beacon Farms plc reported cash balance of $10,800,000. Beacon Farms plc reported EBITDA of $8,400,000. The EBITDA of Elmstead Logistics Holdings was $9,800,000. Elmstead Logistics Hol...	Based on these figures, Elmstead Logistics Holdings's leverage works out at 1.26x.	1	leverage	correct
Portfolio monitoring note Orchard Bank \| gross loans \| €35,040.0m Ironbridge Bank \| gross loans \| €39,360.0m Orchard Bank \| non-performing loans \| €457,700,000 Ironbridge Bank \| non-performing loans \| €763.4 million	The NPL ratio for Orchard Bank is 1.31%.	1	NPL ratio	correct
Relationship manager notes - Summit Engineering Group: net operating income £4.10m - Summit Packaging plc: annual debt service £1.10m - Summit Packaging plc: net operating income £3,600,000 - Summit Engineering Group: annual debt service £1.10m Covenant: debt service coverage ratio minimum 2.68x.	At 3.7 times, the debt service coverage ratio for Summit Engineering Group meets the covenant level of 2.68x.	1	debt service coverage ratio	covenant_correct
Credit file extract Ebitda (Quayside Energy Ltd): €22,500,000 Revenue (Beacon Hotels Group): €75.1m Ebitda (Beacon Hotels Group (prior year)): €19.5 million Revenue (Beacon Hotels Group (prior year)): €191.50m Revenue (Quayside Energy Ltd): €69,000,000 All facilities are reviewed at least annually.	Beacon Hotels Group has a EBITDA margin of 19.0%.	2	EBITDA margin	missing_input
Extract from the latest management accounts - Larkspur Hotels Group: EBITDA $5.90m - Larkspur Hotels Group: revenue $165.80m	The revenue of Larkspur Hotels Group is $115,215,869.	0	lookup	numeric_swap
Credit file extract Gross loans (Hollybank Bank): £37,080,000,000 Gross loans (Summit Bank): £9,860,000,000 Non-performing loans (Summit Bank): £622.3 million All facilities are reviewed at least annually.	The NPL ratio for Hollybank Bank is 1.04%.	2	NPL ratio	missing_input
Credit file extract Redwood Bank \| CET1 capital \| £5,160.00m Northgate Bank \| CET1 capital \| £6.06bn Redwood Bank \| risk-weighted assets \| £25,670.00m Northgate Bank \| risk-weighted assets \| £58.17bn	In 2024, the CET1 ratio of Northgate Bank was 20.1%.	0	CET1 ratio	wrong_entity
Financial covenants pack - Brookline Health Limited: facility amount $26.6m - Granite Media Ltd: all-in interest rate 7.42% - Granite Media Ltd: facility amount $7,500,000 - Brookline Health Limited: all-in interest rate 7.89% Minimum DSCR at origination is 1.25x.	The annual interest cost for Brookline Health Limited is $2.1 million.	1	annual interest cost	correct
Financial covenants pack Granite Care Homes Holdings reported all-in interest rate of 3.46%. Granite Care Homes Holdings reported facility amount of £28,700,000.	The annual interest cost for Granite Care Homes Holdings is £1.20m.	0	annual interest cost	slip
Credit file extract 62 Mill Lane, Exeter (prior year) \| latest property valuation \| £577,000 36 Queens Drive, Bristol \| latest property valuation \| £1.20m 62 Mill Lane, Exeter (prior year) \| outstanding loan balance \| £691,000 36 Queens Drive, Bristol \| outstanding loan balance \| £589,000 62 Mill Lane, Exeter \| outstan...	In 2024, the loan-to-value ratio of 62 Mill Lane, Exeter was 11.4%.	2	loan-to-value ratio	missing_input
Quarterly risk report 76 Chapel Row, Stirling reported latest property valuation of £330,000. The outstanding loan balance of 67 Victoria Road, York was £729,000. The latest property valuation of 67 Victoria Road, York was £760,000. 76 Chapel Row, Stirling reported outstanding loan balance of £392,000. Stress testing a...	In FY2024, the loan-to-value ratio of 67 Victoria Road, York was 111.5%.	0	loan-to-value ratio	slip
Financial covenants pack Kingsway Energy Group \| gross debt \| £84.4 million Upland Engineering Holdings \| gross debt \| £56.6 million Kingsway Energy Group \| cash balance \| £4,800,000 Upland Engineering Holdings \| cash balance \| £3,200,000	Based on these figures, Upland Engineering Holdings's net debt works out at £53.40m.	1	net debt	correct
Quarterly risk report Valemont Components Ltd \| EBITDA \| $35.0 million Valemont Components Ltd (prior year) \| EBITDA \| $32.00m Valemont Components Ltd (prior year) \| net interest expense \| $1.4 million Valemont Components Ltd \| net interest expense \| $7.0 million Covenants are tested quarterly on a rolling 12-month bas...	At 5.0 times, the interest cover ratio for Valemont Components Ltd meets the covenant level of 7.26x.	0	interest cover ratio	covenant_flipped
Credit committee paper, key figures Ebitda (Harbour Engineering Limited): £21.7m Revenue (Harbour Engineering Limited): £53,400,000	Harbour Engineering Limited has a EBITDA margin of 46.28%.	0	EBITDA margin	slip
Credit committee paper, key figures The latest property valuation of 162 High Street, York was £400,000. The outstanding loan balance of 162 High Street, York was £408,000. 63 Orchard Close, Leeds reported latest property valuation of £901,000. 63 Orchard Close, Leeds reported outstanding loan balance of £870,000. Stre...	162 High Street, York has a loan-to-value ratio of 98.04%.	0	loan-to-value ratio	inverted
Annual review summary 162 Bridge Street, Exeter \| latest property valuation \| £1.4 million 162 Bridge Street, Exeter (prior year) \| latest property valuation \| £968,000 162 Bridge Street, Exeter \| outstanding loan balance \| £716,000 162 Bridge Street, Exeter (prior year) \| outstanding loan balance \| £340,000 Valuations...	In FY2023, the LTV of 162 Bridge Street, Exeter was 51.14%.	1	loan-to-value ratio	correct
Annual review summary Juniper Bank \| CET1 capital \| £8.80bn Ashford Bank \| CET1 capital \| £7,360,000,000 Juniper Bank \| risk-weighted assets \| £32.82bn Ashford Bank \| risk-weighted assets \| £34.47bn	Ashford Bank has a CET1 ratio of 21.4%.	1	CET1 ratio	correct
Relationship manager notes - 64 Kings Road, Bath: outstanding loan balance £255,000 - 36 Station Road, Leeds: outstanding loan balance £577,000 - 64 Kings Road, Bath: latest property valuation £1.3 million - 36 Station Road, Leeds (prior year): latest property valuation £1.3 million - 36 Station Road, Leeds (prior year...	Based on these figures, 36 Station Road, Leeds's loan-to-value works out at 52.5%.	2	loan-to-value ratio	missing_input
Quarterly risk report - Redwood Engineering Group (prior year): facility amount £15.10m - Redwood Engineering Group (prior year): all-in interest rate 3.25% - Redwood Engineering Group: facility amount £43.2 million - Redwood Engineering Group: all-in interest rate 9.89%	Redwood Engineering Group has a annual interest cost of £4.5 million.	0	annual interest cost	slip
Annual review summary The EBITDA of Harbour Plastics Limited was $19.4 million. Harbour Plastics Limited reported revenue of $134.4 million. The revenue of Redwood Foods plc was $33.6 million. Minimum DSCR at origination is 1.25x.	Redwood Foods plc: EBITDA margin = 81.55%.	2	EBITDA margin	missing_input
Annual review summary Juniper Engineering Holdings \| gross debt \| $45.6m Juniper Engineering Holdings \| cash balance \| $1.80m Juniper Engineering Holdings \| EBITDA \| $11,300,000	The cash balance of Juniper Engineering Holdings is $1.80m.	1	lookup	lookup

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FinCalc-NLI

Synthetic NLI pairs that test whether a claim's financial arithmetic follows from the evidence (LTV, DSCR, interest cover, net leverage, EBITDA margin, CET1, NPL ratio, NPL coverage, annual interest, net debt, covenant pass/breach, lookups).

Fields: premise, hypothesis, label (0 contradiction, 1 entailment, 2 neutral), metric, kind (the mistake a contradiction models, or why a pair is neutral).
Train 40,000 / test 4,000. The test split uses disjoint names and templates and one formula (NPL coverage) absent from train.
Labels are computed in code by gen_fincalc.py (in the model repo), never annotated.

All companies, banks, properties and figures are invented.

Built by Tony Esposito for anespo28/openjev-fincalc-4b. MIT.