MH Islami Bank Proposal Format-image

MH Islami Bank Proposal Format

MH Islami Bank Proposal Format

MH Islami Bank Limited

———————–Branch

Date:

Subject A. Proposal for sanction/renewal of Composite Revolving Investment Limit of Tk————–Lac as follows

or renewal with enhancement of Composite Revolving Limit from Tk——–Lac to Tk.——-Lac as follows:

a.       LC/BBLC       : Taka————-Lac

b.       TR/Bai-Salam : Taka————-Lac

c.        Baim               :  Taka————Lac .

d.       BG/PG            : Taka————-Lac

B. Proposal for sanction of single term LC for US$………………..eqvt. BDT………………@…………% margin

with subsequent HPSM ……of Tk. ……….lac for ………..years

C. Proposal for sanction of single term ………………………….for  ……..days

A/C………………………………………

(All figures in this memo is in Lac Taka)

Details of the facility:

Mode of Investment Existing Facility Proposed Investment Facility Purpose
Limit Outstanding Expiry Applied by the client Recommendation of the Branch
LC
TR
BG/PG
Bai-Muazzal
BBLC
Bai-Salam
S.term —–

 

Grand-Total
Funded
Non-Funded



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01.Brief  Background of the Customer:

02.Information Regarding the Client:

Name of the Client :
Name of Key person : ……………………. Chairman/Managing Director/Proprietor/Partner
Group Name (in applicable case) :
Address of the Client :      Office( Own/Rented) :
Factory( Own/Rented) ;
Permanent :
Nature of Business :
Account Number with opening date :
Investment availing with SIBL since :
Registration/Date of commencement of business :
Nature of ownership : Proprietorship/ Partnership/Private/Public Limited Company
Trade License Particulars  
Tax Index Number (TIN) :
Import Registration Certificate (IRC) : No #————-, Tenor:————, Nature: commercial/ industrial
Export Registration Certificate (ERC) : No #————-, Tenor:————, Nature: commercial/ industrial
Phone  & mail of Office : Phone:———————————Mail:
Total Net Worth : Personal: Taka———-Lac, Company/Firm: Taka ———–Lac
In case of limited company : Authorized capital………………. Paid up capital…………………
For the Companies enlisted with Dhaka Stock Exchange (DSE) and Chittagong Stock Exchange (CSE)
Date of  Initial Public Offering (IPO) with amount : Date:—————————Amount: Taka—————–Lac
Value of Share : Book Value: Tk——- per share, Market value: Tk——–per share, Date:——————–
Earnings per share : Taka———-(Year); Taka————(Year), Taka——–(Year)
Relationship Officer :
  • Nature of the Client:
Particulars Cottage Ind. Micro Industry Small Ind./ Ent. Medium Ind./ Ent. Remarks
Trading Service Mfg. Trading Service Mfg. Trading Service Mfg. Under SME Finance.
Labor

 

</=10 </=5 <10 10-</=24 6-10 10-49 25-99 11-50 50-100 100-250
        7           
Value of the fixed Asset (Except land & Building) Including setup cost. <5 lac <5 lac <5lac 5 lac -50 lac 5 lac – 1 cr. 5 lac –

1 cr.

>50lac

-10 cr.

>1cr.-15 cr. >1 cr.-15 cr. >10cr. -30cr.
        35.00 lac     35.50 lac    

         Nature of the client (As per above matrix) :

03.Pricing :

Particulars Type of Facility Existing Rate with SIBL/other Proposed Rate
By the client By the branch
Commission
Margin
Profit
Other Charges

 

04.CIB Report dated ———–shows UC…….. with SIBL and UC/SMA/SS/DF……………….with others

Details liability as per CIB report :

Nature Liability in the name of the customer Liability in the name of the sister/allied concerns Total Overdue*

Classification*

Limit O/S Limit O/S Amount Status
Funded    
Non-Funded
Total      

 

*Remarks Regarding overdue/SMA/CL liability

 

  1. Project Information:
Land Building Machinery Other Total Bank Finance Own Finance Debt: Equity

 

  1. Financials (Audited by ……………………./Un-audited):
Year Gross Sales Gross Profit Net Profit Total Asset Total liabilities Net Worth

 

  1. Balance Sheet as per ………….financials as on …………..
Liabilities & Capital Assets and Properties
Particulars Amount Particulars    Amount
a. Capital   a. Current Assets:  
Paid up capital      
Revaluation Reserve   Cash & Bank Balance  
Tax Holiday Reserve   Account Receivables  
Retained earnings  up to last year   Closing Stock  
Net profit during the year   Security deposit/Advances  
Share money Deposit   Sub-Total (a):  
Total Equity:   b.Fixed Assets:  
b. Current Liability   Land & land development  
Sundry  Creditors   Building & other construction  
Short Term Loan   Machinery & Equipments  
Sub- Total   Furniture & Fixture and office equipment  
c. Term Liability   Vehicles  
Total Liability (b+c):   Sub-Total (b):  
Grand-Total (a+b+c):   Grand-Total (a+b):  
Net-worth:      

 

  1. Income Statement:
           Financials Un-Audited Audited by—————-

 

Particulars     2012 2013 2014
Sales/Revenue
Cost of Goods Sold
Gross Profit
General & Administrative Expenses
Selling Expenses
Operating Profit
Financial Cost
Other Expenses
Net Profit before tax
Tax
Net Profit after tax

 

 

# Comments on financials results———————————————————————————————-

Current Ratio :
Quick Ratio :
Debt-Equity(leverage) Ratio :
Inventory Turnover in days :
Debtors Turnover in days :
Debt Service Coverage Ratio :

 

09.Cash flow analysis :

Particulars 2013-14 2012-13 Change (+/-)
Operating Activities      
Net Profit      
Add: Non-cash Expenses
Receivables(Trade)
Receivables (Others)
Inventory/Stock
Advance Deposit
Prepaid Expenses
Other Current Assets
Change in Accruals
Change in Accounts Payable
Change in term loan installment due for 1  year
other current liabilities
Net Cash from operating activities      
Investing Activities      
Change in Land & Building
Change in Plant and Machinery
Change in Furniture and Fixtures
Change in Other Fixed Assets
Change in Other non current assets
Net cash from Investing activities      
Financing Activities
Tax payment
Change in Long term Loan
Changes in share money deposit
Changes in cash credit & STL
Other Non-Current Liabilities (Bank)
Net Cash from Financing Activities  
Net change in Cash Flow  

  

  1. Particulars of applicant’s/proprietor/partners/directors :
Name of the Directors with father/husband name & address Age Education Designation Experience No of share % of share Networth

 

 Remarks : Director of any Bank/NBFI/Insurance                         

 Relationship among the partners/Directors:

  1. Details Net worth of the Proprietor/ Partners/ Directors

 

Name   Particulars
: A. Asset [Cash/Bank Balance: —Lac + Investment in Business: —-Lac + Real Estate (encumbered): —-Lac + Real Estate (Un-Encumbered): —–Lac + Others: Taka——Lac]. Total –Tk……….Lac

B. Liabilities : [With SIBL——Lac+ with other Bank…….lac + others……….lac]. Total-Tk…….Lac

C.Net Worth [A-B]: Taka——Lac

: A. Asset [Cash/Bank Balance: —Lac + Investment in Business: —-Lac + Real Estate (encumbered): —-Lac + Real Estate (Un-Encumbered): —–Lac + Others: Taka——Lac]. Total –Tk……….Lac

B. Liabilities : [With SIBL——Lac+ with other Bank…….lac + others……….lac]. Total-Tk…….Lac

C.Net Worth [A-B]: Taka——Lac

 

 

  1. Successors Information (2nd line Management) :
Name Relation with the borrower Age Education Experience

 

  1. Management including Technical staff:
Name Position in the firm Age (Years) Education Experience

 

  1. Particulars of sister/allied concerns:
Name of Concerns Owners Name Designation Share (%) Nature of Business
Total 100%
Total 100%

 

 

  1. Lending Category:
i.   Agriculture   (AG)

ii.  Large and Medium Scale Industries (Term Loan) LM

iii. Small & Cottage Industries (Term Loan) SCI

iv. Working Capital    –  WCL

v.  Working Capital (Small Industries) – WCS

vi. Export – Ex

vii.        Commercial Lending (Com)

viii.       Ready made Garments  (RMG)

ix.         Housing Commercial (HC)

x.                  Housing –Residential (HR)

xi.                Others (OT)

  1. IRG :
Risk Grading Financial Risk Business/

Industry Risk

Management Risk Security Risk Relationship Risk Aggregate Risk Risk Grading Risk Assessed by
Total score 50 18 12 10 10 100
Score obtained

 

17.Credit Rating Report : By———————-

Outlook Long Term BB Risk weight Short Term BB Risk weight
—-
Date of Declaration :
Validity                    :

 

  1. Stock Report :
Date of Stock Report Amount of stock Item of stock Verification of stock with date 
To be verified by investment incharge & countersigned by the branch incumbent

 Details stock with aging to be given

 

  1. Collateral Security: (Branch’s & Surveyor’s Valuation Certificates to be enclosed):
Description   Value
Registered Mortgage with Registered Irrevocable Power of Attorney has already been executed/ to be executed Assessed by Branch Officials :

Mr..——————————

Mr.—————————–

Date:——————–

Assessed by enlisted surveyor :    ———————–

Date:——————–

A ————–decimal project/industrial/  commercial/residential/vacant High/Low

/Agricultural land with———storied building/factory measuring ————sft (—–sft per floor) at (specific location)

Details Schedule i.e. Mouza, CS, SA, RS, Mohanagor Jarip to be mentioned) Owner:- …………………(relationship with the borrower)

Demarcation by :…………..

Access road        :…………..

: Market Value :

Land————– @ Taka —–Lac per decimal = Taka———Lac

Building———-sft @ Taka —-/sft

Subtotal: Taka——–Lac

Forced Sale Value :

Land————– @ Taka —–Lac per decimal = Taka———Lac

Building———-sft @ Taka —-/sft

Subtotal: Taka——–Lac

Market Value :

Land————– @ Taka —–Lac per decimal = Taka———Lac

Building———-sft @ Tk —-/sft

Subtotal: Taka——–Lac

Forced Sale Value :

Land————– @ Taka —–Lac per decimal = Taka———Lac

Building———-sft @ Tk —-/sft

Subtotal: Taka——–Lac

B ————–decimal project/industrial/  commercial/residential/vacant High/Low

/Agricultural land with———storied building/factory measuring ————sft (—–sft per floor) at (specific location)

Details Schedule i.e. Mouza, CS, SA, RS, Mohanagor Jarip to be mentioned) Owner:- …………………(relationship with the borrower)

Demarcation by :…………..

Access road        :…………..

: Market Value :

Land————– @ Taka —–Lac per decimal = Taka———Lac

Building———-sft @ Taka —-/sft

Subtotal: Taka——–Lac

Forced Sale Value :

Land————– @ Taka —–Lac per decimal = Taka———Lac

Building———-sft @ Taka —-/sft

Subtotal: Taka——–Lac

Market Value :

Land————– @ Taka —–Lac per decimal = Taka———Lac

Building———-sft @ Tk —-/sft

Subtotal: Taka——–Lac

Forced Sale Value :

Land————– @ Taka —–Lac per decimal = Taka———Lac

Building———-sft @ Tk —-/sft

Subtotal: Taka——–Lac

Total Market Value of Land and Building : Taka ————-Lac Taka ————-Lac
Total Forced Sale Value of Land,Building : Taka ————-Lac Taka ————-Lac
MTDR/Share : Taka ————-Lac Taka ————-Lac
Machinery (written down value) : Taka ————-Lac Taka ————-Lac
Grand Total of Land, Building, MTDR,Share Machinery : Taka ————-Lac Taka ————-Lac

 

     Share value:

Name of the issuing company Name of the shareholder Quantity of shares in number Face value per share Six month average value Present Market value
Per Share Total Per share Total

 

 Legal opinion: Opinion & wanting papers to be mentioned

 Documentation status   :

 20.NBFI Related Information:

Name of the Chairman :
Name of the Managing Director :
Date of Incorporation :
Date of Commencement of business :
Number of shares allotted for IPO & amount :
Listing with DSE :
Listing with CSE :
Number of Branches :
Year wise Financial information : 2012 2013 2014
Paid up Capital :
Present total equity :
Face Value Per Share :
Earning Per share :
NPL :
Market Value per share (as on———-)Taka :

 

  1. Sequence of Approval:
A. Investment Facility so far availed:
Sanction authority

Date

Mode Amount Comments

 

B. Proposed Investment Facility
Client’s Application date Branch proposal reference and Date Head Office receipt date Receipt date with all required information & Papers

 

22.Liability of the client & its sister/allied concerns with our Bank (as on ……………):

Name of Concern Nature of Facility Limit Outstanding Validity Overdue/Remarks
With———-Brach
Total
With———-Brach
Total

Grand Total

Funded
Non Funded

 

    Single Borrower Exposure Limit: (In case of corporate clients)

 

Particular Existing Proposed Total Bank’s Capital on………….. % of total capital
Funded  
Non Funded  
Total          

 

  1. Liability of the client & its sister/ allied concerns with other Bank (as on……………):
Name of Concern Name of Banks Mode Limit Outstanding Validity Overdue * Security with value
Total
Funded
Non-Funded
*Remarks:

 

  1. Performance of the client & its sister/allied concerns with our Bank (Performance to be furnished concern wise, if availed by the client and other sister/allied concerns):

 

  1. Import (Sight/Deferred/UPAS):
Name of Concern Year LC Opened LC Retired Outstanding Commission
No. Taka No. Taka No. Taka

Total

Remarks:  

 

  1. Details of outstanding Accepted Bill Payment (ABP) [Other Than Back-to-Back LC):
Name of Concern Date of Creation Repayment Outstanding Maturity
Total
Remarks:

 

  1. MPI/ TR:
Name of Concern Year Disbursement Adjustment Outstanding Income
No Taka No Taka No Taka
Total
Remarks:
  1. Details of outstanding of MPI/ TR:
Name of Concern Date of Creation Repayment Outstanding Maturity
Total
Remarks:

 

  1. Bai-Muazzal (commercial):
Name of Concern Year     Disbursement Adjustment Outstanding Income
No Taka No Taka No Taka
Total
Remarks:

 

  1. Bank Guarantee:
Name of Concern Year     Issued Reversed Outstanding Commission
No Taka No Taka No Taka
Total
Remarks:
  1. Details of outstanding Bank Guarantee:
Name of Concern Date of Issuance Name of Beneficiary Rate of Margin Expiry Outstanding

Total

Remarks:

 

  1. Import Back to Back LC:
Name of Concern Year     LC Opened LC Retired Outstanding Commission
No Taka No Taka No Taka
Total
Remarks:

 

  1. Details of Overdue ABP outstanding (against Back to Back LC):
Name of Concern Date of Creation Outstanding Maturity
Total
Remarks:

 

      j.Bai-Salam/PSI:

Name of Concern Year Disbursement Adjustment     Outstanding Income
No Taka No Taka No Taka
Total
Remarks:

 

     k.IBP:

Name of Concern Year Purchase Adjustment     Outstanding Income
No Taka No Taka No Taka
Total
Remarks:

 l.FBP:

Name of Concern Year Purchase Adjustment     Outstanding Income
No Taka No Taka No Taka
Total
Remarks:

 

  1. m. Export:
Name of Concern Year Export Repatriated Non-Repatriated Exchange Gain
No Taka No Taka No Taka
Total
Remarks:

 

  1. Details of outstanding Wes Bills:

 

Name of Concern Deal No. Creation dt. Amount Recovery Outstanding Maturity Status of goods Income

Total

Adjustment plan :

O.Current Assets and Current Liability of the client (for Exporter only) : As on……….

 

SL Assets Amount (Tk. in lac) SL Liabilities Amount (Tk. in lac)
1 Export LC in hand 1 BBLC
2 FC held 2 BBBills
3 2% Security 3 PSI
4 FBC * 4 Baim
5 Others 5 Others
Total Total

 

  *Details of FBC to be provided                    :

  *Details of BBBills to be provided              :

 

  1. Performance of Term Investment Facility (HPSM. Lease, Bai-Muazzal-Term etc.):

 

Mode Disb.

Amount

Date of

Disb

Repayment

Starting date

Installment

size

Installment

Due

Installment

Realized

Installment

Overdue *

Outstanding Income
No Amount No Amount No Amount
Total

 

*Remarks:

 

 

   q.Other Accounts (AWCD, MSD, MND): with SIBL

Name of Concern Nature of Account Opening date Transaction period Debit Credit Balance
No. Amount No. Amount

 

25.Performance of the client & its sister/allied concerns with other Banks : To be provided same way

 

26.Income already earned from the client and its sister/allied concerns:

 

Name of Concern Year Profit Commission & Other Total Yield (%)
To be furnished concern wise, if availed by the client and other sister/ allied concerns

 

  1. Expected earnings :
Description : Annual income to be earned
Profit :
Commission/fees income :
Exchange gain :
Total income :
Total funded facilities :
Effective rate of return ( Total income/ Total funded facilities X 100) :

 

  1. Assessment of Working Capital/Investment Need (Working Sheet to be enclosed):

      In case of trading concern:

(——Cost of Goods Sold ÷ 360) ×——days (Tied up period) =
Less: Client’s Participation =
Less: Other Bank’s Participation =
Our Bank’s Participation =

 

     In case of manufacturing concern:

Items Daily requirements Tied up period Working Capital Required
Raw Materials Imported
Local
Work in Process
Finished goods
Store and Spares
Receivables
Day to day expense
Sub-Total
Less: Payables
Grand Total
Less: Client’s Participation
Less: Other Bank’s participation
Our Bank’s participation

 

 

 BBLC Requirement :

Number of total sewing machine :
Number of production lines :
Daily production capacity :
Annual production capacity ( Considering 300 working days in a year) :
Attainable annual export ( Considering Net FOB value US$………./Dozen :
Annual requirement BTB L/C ( Considering 75% of attainable export) :
Requirement of BTB L/C limit ( Considering 120 days tide up period) :

 

  1. Information for Contractor (Work Order) Financing:

Work Order Related information:

  1. Work/ Supply orders completed by the client for the last three years:
SL Name of work/supply order awarding agency Particulars of work/supply order Date of Value
Starting Completion
Total  

 

  1. Work/supply orders in hand:
SL Name of work/

supply order awarding agency

Particulars of the work / supply Validity of completion of works Value of work/ supply order Work Completed (%) Remaining Work (%) Bill
Received To be received
Total          

 

  • Other information:

► Details of deduction from running bill:

 

►Procedure of payment of bill:

 

  1. Project related information (For manufacturing concerns):

     

  1. a) Fixed cost of the Project :

 

Sl Items of cost Cost incurred  Cost to be  Incurred Grand Total
Debt Equity Total Debt Equity Total Debt Equity Total
I Land & land development
Ii Factory & Office Building
Iii Imported Machinery
Iv Local Machine  
V Erection and Installation
Vi Vehicles
Vii Utility
Viii Furniture, fixture, others
Ix Security deposit
X Preliminary, misc expense
Total             …..(%) …..(%)  

 

  1.  b) Particulars of the Project:
i Project location :
ii Land Area :
iii Description of factory Building :
iv Owner of the Land & Building :
v Source of Power supply :
vi. Source of Gas supply  
vii No. of Sewing machine  
viii No. of production line  
ix Date of commercial production :
x Details of Raw Materials :
xi Details of Finished goods :
xii Daily production time (Hours) :
xiii Yearly production time (Days) :
xiv Daily Production Capacity :
xv Daily Actual production :
xv Yearly expected Sales :
xvi Selling price per unit :
xvii Cost price per unit :
xviii No. of employee  
xix Name of the Buyers :
xx Compliance Certificate  
xxi BOI Permission  
xxii Bonded Warehouse License   Tenor: —————-, Lien Bank:———————–
xxiii Fire Protection license   Validity
xxiv BGMEA/BKMEA/BTMA/other membership   Validity
xxv Particulars of Insurance Policy   Validity
xxvi NOC from Environment Directorate   Validity
xxvii Uptodate Boiler License   Validity
xxix Lease Agreement (In case of rental)   Validity
xxx PDB/DESA/REB sanction of load   Validity
xxxi Building approval plan   By
xxxii Confirmation of no custom demand  

 

  1. c) Particulars of the factory building :
Particulars of construction : Measurement (sft) Rate Total Utilization of floor
Basement : ………………sft Taka………..per sft
Ground Floor : ………………sft Taka………..per sft
1st Floor : ………………sft Taka………..per sft
2nd Floor : ………………sft Taka………..per sft
3rd Floor : ………………sft Taka………..per sft

Total

:        

 

         d)Details of Machinery (Existing):

SL Description Country of Origin Year of Manufacturing Quantity Unit Price Total Amount BDT
FC BDT
Total  

         e)Details of Machinery (To be imported):

SL Description Country of Origin Year of Manufacturing Quantity Unit Price Total Amount
FC BDT FC BDT
Total        

 

         f)Details of Machinery (To be procured locally):

SL Description Country of Origin Year of Manufacturing Quantity Unit Price in BDT Total Amount BDT
Total  

 

Grand Total :    

 

         PRICE VERIFICATION (For purchase / import of machinery/ equipment):

        Visit Report of Factory/Business of the client by the Branch : Details Report to be provided

  g)Profitability 

Description Yr-1 Yr-2 Yr-3 Yr-4 Yr-5
Assumed capacity
(A) Net Sales          
(B) Cost of Goods Sold
(C) Gross Profit (A-B)          
(D) General & Administrative Expenses
E) Operating Profit (C-D)          
F) Existing installment with other Bank
G) Existing installment with SIBL
H)Proposed installment with SIBL
I) Profit against working capital
J) Profit before tax          

 

Debt Service Coverage ratio
Break Even Point
Net Present Value (NPV)
Internal Rate of Return (IRR)
Pay Back Period

 

  1. h) Environmental Risk Rating (EnvRR)

 

Sector                  :
Industry Type      :
Risk Category    :
General Environmental Due-Diligence Checklist (General EDD)
Sector Environmental Due-Diligence Checklist (Sector-specific EDD)
Combined Outcome (EnvRR)

 

  1. Particulars of Building & Related information (For developer Financing):
  1. Particulars of the building:
I Land Owner’s particulars :
Ii Location of the project :
Iii Name of the project :
Iv Area of Land :
V Mortgage portion :
Vi Developer’s share :
Vii Number of Floor :
viii Area per floor :
Ix Total construction Area :
X Total Construction cost : Taka………………..Lac
Xi Construction cost per sft : Taka……….per sft
xii Present status of the building ;
xiii Expected time for completion of the building ;
xiv After completion Forced Sale value  will be : Taka………………..Lac

 

  1. Total construction cost in details as under :
Particulars of civil construction : Measurement (sft) Rate Total
Basement : ………………sft Taka………..per sft
Ground Floor : ………………sft Taka………..per sft
1st Floor : ………………sft Taka………..per sft
2nd Floor : ………………sft Taka………..per sft
3rd Floor : ………………sft Taka………..per sft
—-Floor : ………………sft Taka………..per sft

Total

:   Taka…….per sft (Average)

 

  1. Means of Finance Against Construction:
Sources Already incurred To be incurred Total Investment: Equity Ratio
: ———%
: ———%
Total
: 100%

 

  1. Expected Earnings from the project:
Sl Name of the project :
A Total Saleable area (developer) :
B Number saleable (Car parking) :
C Sale proceeds from the project for building @ Taka———per sft :
D Sale proceeds from the project for car parking @ Taka———per car parking :
E Total sale Proceeds (Developer) :  
F Project Cost :
G Gross Profit of the Developer :
H Less: Income Tax @ 1% of the Developer’s total proceeds :
I PDCP @—–% for………months :
J Less: Bank’s profit @—–% for Taka—–Lac for ——-years :
K Net Profit :  

 

  1. Schedule of disbursement (for building financing):

 

Particulars of the Work Client’s equity Bank’s Portion Total
Foundation of the Building
For Basement of the Building
For Super Structure of the Ground Floor
For super structure of the 1st Floor
For super structure of the 2nd Floor
For super structure of the 3rd Floor
For super structure of the 4th  Floor
For super structure of the 5th  Floor
For finishing works of the building
Lift, Generator, substation etc.
Total      

 

32.Particulars of  building construction (other than developer):

 

  1. Particulars of the building:
I Location of the building :
Ii Owner’s Name :
Iii Area per floor as per plan :
iv Area per floor at actual :
V Number of Floor :
vi Area of Land :
vii Total construction Area ;
viii Total Cost Price : Taka———Lac
ix Rate per square feet : Taka———Lac per square feet
X Client’s Equity ; Taka———Lac
xi Bank’s Finance ; Taka———Lac
xii Investment: Equity Ratio ;
xiii Present Status of the building :
xiv Expected time for completion of the building ; Taka ———Lac
xv After completion, the forced sale value  will be : Taka———–Lac

 

  1. Means of Finance:
Sources Already incurred To be incurred Total Investment: Equity Ratio
Own : ———%
Bank : ———%
Total
: 100%

 

  1. Analysis of repayment Capacity:
Expenditure

Amount Income   Amount
: :
: :
: :
Bank’s Installment : :
Total Expenses : Total Income :
Monthly surplus/ deficit of the client Taka———-Lac
  1. Marketing Prospect (Highlighting Demand supply gap and competitor’s position

 

34.Competitive position of the client :

  • Market Share of the client :
  • Name of 5 large competitors
Name Address Sales Market Share

 

  (b) Name of 5 large suppliers & customers :  

 

Name & address of 5 major suppliers of the client from whom traded  items /raw materials are purchased Name & address of 5 major customers of the client to whom traded items are sold
Name Address Name Address
   
   
   
   

 

  1. Risk Assessment: Possible risk as identified against the proposed approach & its mitigation:
SL Category of risks   Risk Mitigations
a. Financial risk

(Leverage/Liquidity/Profitability/Coverage)

:
b.      Business/Industrial Risk

(Size of business/Age of business/Business outlook/Industry Growth/Market Competition/ Entry or Exit barrier)

:
c.       Management Risk

(Experience / Track Record/ Succession/ Team Work)

:
d.      Security Risk

(security coverage/Collateral coverage/support)

:
e.       Relationship Risk

(Account conduct/utilization of limit/Compliance of covenants & conditions/ Personal deposits)

:
f.        Environmental Risk( General/sector –specific) :
g.      Other Possible Risk :

 

  1. SWOT Analysis relative to Competitors:
(a) Strength :
:
:
:
(b) Weakness :
:
:
(c) Opportunity :
:
:
(d) Threats :
:
:

 

 37.Justification of the Proposed Facility:

  1. Details of the proposed facility:

(Different table shall be used for different types of investment facilities):

A Name of the Facility :
B Amount :
C Purpose :
D Margin :
E Commission :
F Rate of Profit/ Rent : Details with overdue compensation
G Service Charge :
H Risk Fund :
I Processing Fee :
J Mode of Disbursement : Details*
K Mode of Repayment : Detailed
L Installment size :
M Tenor :
N Grace Period :
O Validity :
P Security :

39.Security:

Type of Facility : Security
a
b
c
a
b
c
For all facilities a Personal guarantee of the Applicant/ Proprietor/ partners/Directors of the firm/Company.
b Personal guarantee of the spouse of the Applicant/ Proprietor/ partners/Directors of the firm/Company.
c Corporate guarantee of ……………
d Creation of 1st/pari passu charge with RJSC
e 2% MTDR build up from each & every export proceeds
f Personal guarantee of mortgagor of the property mortgaged/ to be mortgaged.
g Registered Mortgage along with Registered Irrevocable Power Attorney authorizing the Bank to dispose of mortgaged property as detailed in serial # 07 without intervention of the Court.

 

  1. Other information/Special Condition:

 

  1. Audit objection, if any:

Date of Audit Objections Rectification/Compliance

 

  1. Declaration of the Branch:

The Branch hereby declares that:

  • The proposal/ memo made as per guideline of Investment (Credit) Risk Management Policy of the Bank;
  • All Circulars, guidelines and policies of Head Office, Bangladesh Bank and other regulations have been complied in related to the said proposal;
  • Due diligence have been done while processing the memo;
  • All information, data given in the memo are correct;
  • The proposal forwarded after compliance of Banking Company Act and Islamic Shariah;
  1. All terms and conditions have been complied with against existing facilities as per sanction advice including obtaining of charge documents and execution of Registered Mortgage of the property and all the securities & documents are in safe custody and duly posted in the Safe-in-Safe out Register;

 

  1. The building is being/ has been constructed as per approved plan of RAJUK/ CDA/ Competent Authority;

 

  1. Valuation of the collateral has been properly made

 

  1. All necessary documents establishing the borrower’s legal entity have been obtained

 

  1. The borrower is not a director/shareholder of our Bank ( if yes, the extent of share holding and value)

 

  1. The borrower is not a director/shareholder of other Banks (if yes, mention the name of the bank)

 

43.Specific recommendation of the Branch

 

 

 

 

 

Relationship Officer:

Name:

Designation:

Branch Manager:

Name:

Designation:

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