MH Islami Bank Proposal Format

Gross Sales

Gross Profit

Net Profit

Total Asset

Total liabilities

Net Worth

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 the 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)

**MH Islami Bank Proposal Format-www.bankingallinfo.com**

Details of the facility:

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

Grand-Total
Funded
Non-Funded

Bank Proposal Format

Bank Proposal Format-www.bankingallinfo.com

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 the 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 the case of a 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 the 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
Labor					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 the above matrix) :
03.Pricing :

Particulars	Type of Facility	Existing Rate with SIBL/other	Proposed Rate
Particulars	Type of Facility	Existing Rate with SIBL/other	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 the CIB report :

Nature	Liability in the name of the customer		Liability in the name of the sister/allied concerns		Total	Overdue*	Classification*
Nature	Limit	O/S	Limit	O/S	Total	Overdue*	Amount	Status
Funded
Non-Funded
Total

*Remarks

Regarding overdue/SMA/CL liability

Project Information:

Land	Building	Machinery	Other	Total	Bank Finance	Own Finance	Debt: Equity

Financials (Audited by ……………………./Un-audited):

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:

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 noncurrent 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
The net change in Cash Flow

Particulars of applicant’s/proprietor/partners/directors :

Name of the Directors with father/husband name & address	Age	Education	Designation	Experience	No of share	% of the share	Networth

Remarks: Director of any Bank/NBFI/Insurance

The relationship among the partners/Directors:

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

Successors Information (2^nd line Management) :

Name	Relation with the borrower	Age	Education	Experience

Management including Technical staff:

Name	Position in the firm	Age (Years)	Education	Experience

Particulars of sister/allied concerns:

Name of Concerns	Owners Name	Designation	Share (%)	Nature of Business


	Total		100%



	Total		100%

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)

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 :

Stock Report :

Date of Stock Report	Amount of stock	Item of stock	Verification of stock with date
			To be verified by investment in charge & countersigned by the branch incumbent

Details stock with aging to be given

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 ————sqft (—–sqft 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———-sqft @ Taka —-/sqft Subtotal: Taka——–Lac Forced Sale Value : Land————– @ Taka —–Lac per decimal = Taka———Lac Building———-sqft @ Taka —-/sqft Subtotal: Taka——–Lac	Market Value : Land————– @ Taka —–Lac per decimal = Taka———Lac Building———-sqft @ Tk —-/sqft Subtotal: Taka——–Lac Forced Sale Value : Land————– @ Taka —–Lac per decimal = Taka———Lac Building———-sqft @ Tk —-/sqft Subtotal: Taka——–Lac
B	————–decimal project/industrial/ commercial/residential/vacant High/Low /Agricultural land with———storied building/factory measuring ————sqft (—–sqft 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 a 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	:

The 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 the case of corporate clients)

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

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:

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

Import (Sight/Deferred/UPAS):

Name of Concern	Year	LC Opened		LC Retired		Outstanding		Commission
Name of Concern	Year	No.	Taka	No.	Taka	No.	Taka




Total
Remarks:

Details of outstanding Accepted Bill Payment (ABP) [Other Than Back-to-Back LC):

Name of Concern	Date of Creation	Repayment	Outstanding	Maturity




Total
Remarks:

MPI/ TR:

Name of Concern	Year	Disbursement		Adjustment		Outstanding		Income
Name of Concern		No	Taka	No	Taka	No	Taka




Total
Remarks:

Details of outstanding of MPI/ TR:

Name of Concern	Date of Creation	Repayment	Outstanding	Maturity




Total
Remarks:

Bai-Muazzal (commercial):

Name of Concern	Year	Disbursement		Adjustment		Outstanding		Income
Name of Concern		No	Taka	No	Taka	No	Taka




Total
Remarks:

Bank Guarantee:

Name of Concern	Year	Issued		Reversed		Outstanding		Commission
Name of Concern		No	Taka	No	Taka	No	Taka




Total
Remarks:

Details of outstanding Bank Guarantee:

Name of Concern	Date of Issuance	Name of Beneficiary	Rate of Margin	Expiry	Outstanding


Total
Remarks:

Import Back to Back LC:

Name of Concern	Year	LC Opened		LC Retired		Outstanding		Commission
Name of Concern		No	Taka	No	Taka	No	Taka


Total
Remarks:

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
Name of Concern		No	Taka	No	Taka	No	Taka


Total
Remarks:

k.IBP:

Name of Concern	Year	Purchase		Adjustment		Outstanding		Income
Name of Concern		No	Taka	No	Taka	No	Taka




Total
Remarks:

l.FBP:

Name of Concern	Year	Purchase		Adjustment		Outstanding		Income
Name of Concern		No	Taka	No	Taka	No	Taka


Total
Remarks:

m. Export:

Name of Concern	Year	Export		Repatriated		Non-Repatriated		Exchange Gain
Name of Concern		No	Taka	No	Taka	No	Taka


Total
Remarks:

Details of outstanding Wes Bills:

Name of Concern	Deal No.	Creation date.	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 :

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

Amount

Total

*Remarks:

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

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

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

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

Expected earnings :

Description	:	Annual income to be earned
Profit	:
Commission/fees income	:
Exchange gain	:
Total income	:
Total funded facilities	:
The effective rate of return ( Total income/ Total funded facilities X 100)	:

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

In the 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 the case of manufacturing concern:

Items		Daily requirements	Tied up period	Working Capital Required
Raw Materials	Imported
Raw Materials	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

BB LC 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)	:
The requirement of BTB L/C limit ( Considering 120 days tide up period)	:

Information for Contractor (Work Order) Financing:

Work Order Related information:

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
SL	Name of work/supply order awarding agency		Starting	Completion



Total

Work/supply orders in hand:

SL	Name of work/ supply order awarding agency	Particulars of the work/supply	The 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:

►The procedure of payment of bill:

Project-related information (For manufacturing concerns):

a) Fixed cost of the Project :

Sl	Items of cost	Cost incurred			Cost to be Incurred			Grand Total
Sl	Items of cost	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							…..(%)	…..(%)

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 the 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	Updated 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

c) Particulars of the factory building :

Particulars of construction	:	Measurement (sqft)	Rate	Total	Utilization of floor
Basement	:	………………sqft	Taka………..per sqft
Ground Floor	:	………………sqft	Taka………..per sqft
1^st Floor	:	………………sqft	Taka………..per sqft
2^nd Floor	:	………………sqft	Taka………..per sqft
3^rd Floor	:	………………sqft	Taka………..per sqft
Total	:

d)Details of Machinery (Existing):

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

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

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)

Particulars of Building & Related information (For developer Financing):

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 Floors	:
viii	Area per floor	:
Ix	Total construction Area	:
X	Total Construction cost	:	Taka………………..Lac
Xi	Construction cost per sqft	:	Taka……….per sqft
xii	Present status of the building	;
xiii	Expected time for completion of the building	;
xiv	After completion Forced Sale value will be	:	Taka………………..Lac

Total construction cost in details as under :

Particulars of civil construction	:	Measurement (sqft)	Rate	Total
Basement	:	………………sqft	Taka………..per sqft
Ground Floor	:	………………sqft	Taka………..per sqft
1^st Floor	:	………………sqft	Taka………..per sqft
2^nd Floor	:	………………sqft	Taka………..per sqft
3^rd Floor	:	………………sqft	Taka………..per sqft
—-Floor	:	………………sqft	Taka………..per sqft
Total	:		Taka…….per sqft (Average)

Means of Finance Against Construction:

Sources		Already incurred	To be incurred	Total	Investment: Equity Ratio
	:				———%
	:				———%
Total	:				100%

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 sqft	:
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	:

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 superstructure of the 1^st Floor
For superstructure of the 2^nd Floor
For superstructure of the 3^rd Floor
For superstructure of the 4^th Floor
For superstructure of the 5^th Floor
For finishing works of the building
Lift, Generator, substation, etc.
Total

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

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 Floors	:
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

Means of Finance:

Sources		Already incurred	To be incurred	Total	Investment: Equity Ratio
Own	:				———%
Bank	:				———%
Total	:				100%

Analysis of repayment Capacity:

Expenditure		Amount	Income		Amount
	:			:
	:			:
	:			:
Bank’s Installment	:			:
Total Expenses	:		Total Income	:
Monthly surplus/ deficit of the client Taka———-Lac

Marketing Prospect (Highlighting Demand supply gap and competitor’s position

34.The 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

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	:

SWOT Analysis relative to Competitors:

(a) Strength	:
	:
	:
	:
(b) Weakness	:
	:
	:
(c) Opportunity	:
	:
	:
(d) Threats	:
	:
	:

37.Justification of the Proposed Facility:

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 1^st/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 a mortgaged property as detailed in serial # 07 without the intervention of the Court.

Other information/Special Condition:

Audit objection, if any:

Date of Audit	Objections	Rectification/Compliance

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 has 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;

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;
The building is being/ has been constructed as per the approved plan of RAJUK/ CDA/ Competent Authority;
Valuation of the collateral has been properly made
All necessary documents establishing the borrower’s legal entity have been obtained
The borrower is not a director/shareholder of our Bank ( if yes, the extent of shareholding and value)
The borrower is not a director/shareholder of other Banks (if yes, mention the name of the bank)

43.A specific recommendation of the Branch

Relationship Officer:
Name:
Designation:

Branch Manager:
Name:
Designation: