Interview
Basic Knowledge for Bankers

 
Usage of CRG:

• Obligor level analysis
• Credit Selection & Pricing
• Monitoring & Internal MIS

History of CRG:

• LRA introduced in 1993 suffers from subjectivity
• Risk Grade Score Card introduced in 2003 is not comprehensive
• CRG introduced in 2005; simplified & user-friendly

 
Categories of CRG for commercial client:
 

 
   CRG REVIEW
 
Credit Risk Grading for each borrower should be assigned at the inception of lending and should be periodically updated. Frequencies of the review of the credit risk grading are mentioned below;
 

 
 
   Categories of CRG for NBFI:

Many of the articles have simply been reworded or amended to make the meaning clearer. Some of the articles from UCP 500 have been condensed while some have had extra clauses added to clarify certain points.
 
One example is Article 7, entitled ‘Issuing Bank Undertaking’. This has a new clause (b), which states ‘An issuing bank is irrevocably bound to honour as of the time is issues the credit’.
 
In general, UCP600 is easier to read than UCP500. It is more direct and also addresses a number of issues that have been causing problems over the last few years.
 
 
 
 
 
 
 
 
 
 
 
Export and Import Policy 2006-09
 

 
Import Policy 2006-09
 

 
 
Export Policy 2006-09
 

1. eÜKx `wjj †iwR‡óªk‡bi Rb¨ m‡e©v”P wd 5,000.00 UvKv Ges me©wbgœ wd 200.00 UvKv wba©viY K‡i †`qv n‡q‡Q

(section 78 A(c) of Registration Act) A_©vr

*Deed-Gi date ‡_‡K 120 w`‡bi g‡a¨ gU©‡MR Kiv hvq|

2. ‡iwRwóªK…Z eÜKx `wjj e¨wZ‡i‡K †Kvb eÜK AvBbZt ˆea n‡e bv| ZvQvov eÜKx †Kvb m¤úwË eÜK MÖnxZvi wjwLZ m¤§wZ e¨wZ‡i‡K weµq ev wØZxq ev‡ii gZ eÜK cÖ`vb Kiv hv‡e bv g‡g©I weavb Kiv n‡q‡Q (Section 53D of Transfer of Property Act)|

 
Dc‡iv³ ms‡kvabx AvBb `ywU 1jv RyjvB 2005Bs Zvwi‡L Kvh©Ki n‡e|
A transfer deeds must be registered with the Office of the Sub-Registrar within 90 days from the date of execution.

 
In case of company charge shall be created with the Registrar of Joint Stock Companies & Firms (RJSC) within 21 days from the date of execution of the relative charge documents.

 
Write Off:
 

†Ljvcx FY MÖnxZv A_© †Kvb e¨w³ ev cÖwZôvb hvnvi wb‡Ri ev ¯^v_© mswk­ó cÖwZôv‡bi AbyK~‡j cÖ`Ë AMÖxg, FY ev Dnvi Ask ev Dnvi Dci AwR©Z my` evsjv‡`k e¨vsK KZ…©K RvixK…Z msÁv Abyhvqx †gqv‡`vËxY© nIqvi 6 gvm AwZevwnZ nBqv‡Q|
Z‡e, kZ© _v‡K †h, †Ljvcx FY MÖnxZv †Kvb cvewjK wjwg‡UW †Kv¤úvbxi cwiPvjK bv nB‡j A_ev D³ †Kv¤úvbx‡Z Zvnvi †kqv‡ii Ask 25% Gi AwaK bv nB‡j, D³ cvewjK wjwg‡UW †Kv¤úvbx ¯^v_© mswk­ó cÖwZôvb ewjqv MY¨ nB‡e bv|
Av‡iv kZ© _v‡K †h, cvewjK wjwg‡UW †Kv¤úvbx e¨ZxZ Ab¨ †Kvb cÖwZôv‡b FY MÖnxZvi †kqv‡ii Ask AbwaK 20% nB‡j D³ cÖwZôvb GB `dvi Aaxb ¯^v_© mswk­ó cÖwZôvb ewjqv MY¨ nB‡e bv|
Large Loan/Investment:
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1. ‡Kvb e¨w³ ev cÖwZôvb ev MÖ“cf~³ cÖwZôv‡bi AbyK‚‡j ‡Kvb e¨vsK ‡Kvb mgqB Zvi ‡gvU g~ja‡bi 35% Gi ‡ekx AwZµg Ki‡e bv| Z‡e kZ© _v‡K ‡h, m‡e©v”P cÖZ¨¶ (Funded facilities) wewb‡qvM myweav ‡Kvb µ‡gB ‡gvU g~ja‡bi 15% Gi ‡ekx AwZµg Ki‡e bv|
2. ‡Kvb e¨w³ ev cÖwZôvb ev MÖ“cf~³ cÖwZôv‡bi AbyK‚‡j c‡iv¶ (Non-Funded facilities) wewb‡qvM myweav ‡hgb Gjwm, M¨vivw›U BZ¨vw` cÖ`vb Kiv hv‡e Z‡e ‡Kvb µ‡gB cÖZ¨¶ I c‡iv¶ (Funded and Non-Funded facilities) wewb‡qvM myweav ‡Kvb mgqB e¨vs‡Ki ‡gvU g~ja‡bi 35% AwZµg Ki‡e bv|

Z‡e ißvbx Lv‡Zi ‡¶‡Î Master Circular-wU‡Z wKQy e¨wZµg Av‡Q| GB Lv‡Z wewb‡qv‡Mi ‡¶‡Î ‡Kvb GKK MÖvn‡Ki AbyK‚‡j ‡gvU wewb‡qvM myweavi m‡ev©”P cwigvb c~‡e©i b¨vq e¨vs‡Ki ‡gvU g~ja‡bi 50%-B ejer _vK‡e| Z‡e cÖZ¨¶ (Funded facilities) wewb‡qvM myweavi m‡ev©”P cwigvb 25% Gi cwie‡Z© 15% n‡e|

3. ‡Kvb e¨w³ ev cÖwZôvb ev MÖ“cf~³ ms¯’v‡K D³ e¨vs‡Ki ‡gvU g~ja‡bi 10% ev Z`yaŸ© cwigvb gÄyixK…Z wewb‡qvM myweav e„n`v¼ wewb‡qvM wnmv‡e MY¨ n‡e|
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5. †h mKj cvewjK wjwg‡UW †Kv¤úvbxi cvewjK Bm~¨R Gi cwigvb 50 kZvsk ev Z‡ZvwaK †m mKj cvewjK wjwg‡UW †Kv¤úvbx ÒMÖ“cÓ Gi AvIZv ewnf©~Z n‡e|
6. ‡h me wewb‡qvM myweavi wecix‡Z bM` A_© I bM`vqb‡hvM¨ RvgvbZ (Encashable security) i‡q‡Q ‡m me wewb‡qvM myweavi ‡¶‡Î iw¶Z bM` A_© I bM`vqb‡hvM¨ RvgvbZ h_vt GgwUwWAvi (GdwWAvi) ev` w`‡q wbiƒwcZ A_©B cÖK…wZ wewb‡qvM myweav wnmv‡e MY¨ n‡e|
7. ‡Kvb ‡Ljvcx wewb‡qvM MÖnxZvi AbyK‚‡j hv‡Z ‡Kvbiƒc wewb‡qvM myweav cÖ`vb Kiv bv nq ‡m welqwU wbwðZ Kivi j‡¶¨ e„n`v¼ wewb‡qvM gÄyi, bevqb ev cybtZdwmwjKi‡Yi c~‡e© evsjv‡`k e¨vs‡Ki ‡µwWU Bbdi‡gkb ey¨‡iv (CIB) ‡_‡K MÖvnK m¤ú‡K© nvjbvMv` (60 w`b c~‡e©i) wewb‡qvM Z_¨ msMÖn Kiv e¨vs‡Ki Rb¨ eva¨Zvg~jK n‡e|
8. e„n`v¼ wewb‡qvM myweav gÄyi ev bvevqb cÖ¯—ve we‡ePbvKv‡j, Ab¨v‡b¨i g‡a¨ Ab¨ e¨vsK I Avw_©K cÖwZôv‡bi mv‡_ `vq‡`bvi cwiw¯’wZ ch©v‡jvPbvi wfwˇZ wewb‡qvM MÖnxZvi mvgwMÖK wewb‡qvM cwi‡kv‡ai mvg_© we‡ePbv Ki‡Z n‡e|
9. wewb‡qvM MÖnxZv Av‡e`bK…Z FY cwi‡kva Ki‡Z cvi‡e wKbv Zv wbwðZ nIqvi Rb¨ wewb‡qvM MÖnxZvi bM` cÖevn weeiYx (Cash Flow Statement), wbixw¶Z w¯’wZcÎ, Avq weeiYx I Ab¨vb¨ Avw_©K weeiYxmg~n e¨vsK ch©v‡jvPbv K‡i ‡`L‡e|

Documents completed by BLA: (i) Legal opinion, (ii) Deed of mortgage, (iii) Power of Attorney, (iv) Deed of Agreement, (v) Personal Guarantee, (vi) Undertaking, (vii) Declaration, (viii) Letter of satisfaction.
Type of Investment: (i) Bai-Murabaha, (ii) Bai-Muajjal, (iii) Musharaka, (iv) Mudaraba, (v) Leasing (Ijara)/Hire          Purchase, (vi) Istisna’a and (vii) Bai-Salam.
 
Finance against Shares/Debentures:
 
Value of Shares/Debentures: Average value of last 6 months.

 
 
Required papers/documents for CNG Station:
 

1. Lease permission of Roads & Highways Department for the land of proposed CNG Station.
2. Copy of lease agreement duly signed by Roads & Highways department and the party on every page.
3. Permission letter of RPGCL for installation of the proposed CNG station.
4. Lay out plan of the CNG station approved by RPGCL.
5. Permission letter of Titas Gas Transmission & Distribution Co. Ltd for gas line connection of the proposed CNG station at their letterhead pad.
6. Lay out plan of the proposed CNG station approved by Roads & Highway Department.
7. Permission of Explosive Department for installation of the proposed CNG station.
8. Permission of Fire Service & Civil Defense.
9. Site location map of the proposed CNG station and property offered as collateral security.

 
 
Portfolio Diversification as on 31.12.2007 of Shahjalal Islami Bank Limited: