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CMA (Credit Monitoring Arrangement) reports are comprehensive financial statements prepared by borrowers to assess their creditworthiness and financial health. These reports are commonly used by lenders, financial institutions, and credit rating agencies to evaluate the risk associated with lending money to a particular borrower. CMA reports provide detailed insights into the borrower’s financial position, cash flows, profitability, and repayment capacity.

CMA reports are typically prepared by the borrower’s finance or accounting team in consultation with senior management. The reports follow a standardized format prescribed by banks or financial institutions and may require additional information specific to the borrower’s industry or business. CMA reports are updated periodically, usually annually or semi-annually, to reflect changes in the borrower’s financial position and performance.