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 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)
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 |
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 | |
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 | |
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* | |||
Limit | O/S | Limit | O/S | 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):
Year | Gross Sales | Gross Profit | Net Profit | Total Asset | Total liabilities | Net Worth |
- 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 (2nd 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 | |||
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 | |||
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 | |||
No | Taka | No | Taka | No | Taka | |||
Total | ||||||||
Remarks: |
- Bank Guarantee:
Name of Concern | Year | Issued | Reversed | Outstanding | Commission | |||
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 | |||
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 | |||
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: |
- m. Export:
Name of Concern | Year | Export | Repatriated | Non-Repatriated | Exchange Gain | |||
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 | |||
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 the 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 sisters/ 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 | |||
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 | |
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 | ||||||
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 | ||
1st Floor | : | ………………sqft | Taka………..per sqft | ||
2nd Floor | : | ………………sqft | Taka………..per sqft | ||
3rd 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 | |
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 |
- 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 | |
1st Floor | : | ………………sqft | Taka………..per sqft | |
2nd Floor | : | ………………sqft | Taka………..per sqft | |
3rd 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 1st Floor | |||
For superstructure of the 2nd Floor | |||
For superstructure of the 3rd Floor | |||
For superstructure of the 4th Floor | |||
For superstructure of the 5th 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 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 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: |