Borrowing form the bank? Here are your manager's secrets

When they lend money they think "CAMPARI & ICE"!
Now we all know bankers like a good lunch but this is an acronym as follows.

C haracter
A bility (How good are you at what you do?)
M eans (What's your overall financial situation?)
P urpose (of loan?)
A mount
R epayment
I insurance ( i.e. security)

And, from the banks' point of view?

I nterest (rate)
C harges
E xtras (What else can they interest us in?!)

Now you know.