Format of Credit Proposal

Format of General Credit Proposal from a Branch.

………. Bank Limited
……….. Branch
Credit Appraisal Form (A)
(For General Credit / Other than RMG Customers)
Ref: ………/………/2014/                                                                                                                      Date:

To:
The Head of Division
Corporate Banking Division
Head Office, Dhaka.

From:

………………. Bank Limited, ………….  Branch
Sub.:

Proposal to accord approval for:
a.      …………………………………………………………………………………..
b.     ……………………………………………………………………………………
c.      …………..details shown as under:
Taka in lac
Nature of Facility
Existing Limit
(If any)
Proposed
Purpose
Security
Limit
Validity
Total
[Total:
Forced Sale Value:]
Account: ……………………………………………………
1. Particulars of the Customer:
i.
Name of the Customer
:
ii.
Addresses
:
Business:
Factory:
iii.
Nature of Business
:
iv.
Ownership of Business
Proprietorship/Partnership/Pvt. or Public Ltd. Co.
v.
Establishment
:
vi.
Capital Structure
:
Authorized Capital:  …..                        Paid up Capital: …..
ix.
Group Name
:
If applicable
x.
Key Person
:
xi.
Management of the Company/Owner’s Information:
Name of the customer & father’s name
Age
% of Share
Status
Personal Net Worth
[Tk. in lac]
In case of partnership/Ltd. Co.
xii.
Sister/Allied Concerns :
Name of the Concern
Nature of Business
Banker’s name
2. Banking relationship of the customer with us:
The customer started banking with us in the year ……. Since then they have been availing credit facilities with the approval of Management/EC time to time. Detail information of last two years is given below.
      Taka in lac
Approving Authority
Name of the Customer
Facility
Limit
Purpose
3. Approach of the Customer: Tabular form, Description (if any) to be placed before Table.
 4. Liability Position and Performance of the customer/Sister concern:
 4.1 With MBL: 
  Taka in lac
A/C
Facility
Limit
Outstanding
Validity
Security
*Overdue status along with ageing report of different A/Cs like LTR, PAD, Deferred import bills, FDBP, IDBP etc to be given in the separate sheets.
Account: ………………………………………………                                       Page:
4.2 With other Bank/FI:
Taka in lac
A/C
Name of the Bank/FI
Facility
Limit
Outstanding
Validity
Security
*Overdue status to be provided [Wherever applicable]
  • Performance made by the customer in the ……..account for the period of …………..
CC (Hypo)
L/C
LTR
Term Loan
BG
Dr. Sum:
Cr. Sum:
Recycle:
Max Bal:
Min. Bal:
Full adjustment:
Income:
No. of L/C opened:
No of L/C adjusted:
Amount of L/C opened:
Amount of L/C adjusted:
Income:
No. of LTR created:
No. of LTR adjusted:
Amount of LTR created:
Amount of LTR adjusted:
Income:
No. of Installment due:
No. of Installment paid:
Amount of Installment due:
Amount of Installment paid:
Income:
No. of BG issued:
No. of BG returned:
Amount of BG issued:
Amount of BG returned:
Income:
  • Income earned from the customer (Year wise):
(Tk. in lac)
Income
Year-01
Year-02
Current Year
Interest Income
Non-Interest Income
 4.3 CIB Report:
 4.4 Stock Report: [Wherever applicable]
5. Other information:
(i)                  Credit Risk Grading (CRG):
Name of the Concern
     Aggregate Score
Risk Grade
 
(ii)               Credit Rating Report:
            *Please refer to our Instruction Circular # 956 dated 11 May, 2011.
Name of the concern
Name of Rating Agency
Credit Rating
BB Rating Grade*
Capital Charge in %
Remarks
Short Term
Long Term
            *As per BRPD Circular No. 31 dated 25 October, 2010.
 (iii)  Business Performance/Financial position
(iii) Working Capital Assessment
 (iv) Project Profile [Wherever applicable]
 (v) Additional Information: [Additional Information (if any) to be provided]
6. Recommendation of the Branch: Tabular form, Description (if any) to be placed before Table
7. Facility and Security Arrangement:
     7.1. Facility Arrangement:
i)
Nature of Facility
:
ii)
Limit / Amount
:
iii)
Purpose
:
iv)
Margin
:
v)
Tenor / Validity
:
vi)
Commission & Charges
:
vii)
Rate of Interest
:
viii)
Draw down
:
x)
Mode of Adjustment
:
x)
Special Covenant, if any
:
Account: ………………………………………………                                       Page:
     7.2. Security Arrangement:
i. Primary
:
ii. Collateral
:
In case of R/M of Land and Building:-
SL#
Area of land
Schedule of land
Owner of land
Remarks
1.
2.
iii. Others
:
 * Legal Opinion regarding acceptability of collateral security and Valuation Report have to be provided.
     7.3  Reasons of changing/releasing security to be provided: [ if applicable]
8. Justification:
    i.
    ii.
 
9. Recommendation:
Recommended for………….with terms and conditions as mentioned in the facility and security arrangement under Serial…….of this proposal.
              Taka in lac
Nature of Facility
Existing Limit
(If any)
Proposed
Purpose
Security
Limit
Validity
Total
[Total:
Forced Sale Value:]
Account: ………………………………………………
………………………..
Dealing Credit Officer
…………………
Credit In Charge
………………………
Manager Operation
………………….
Head Of Branch

 Format Image is bellow:

 123

Format of RMG Credit proposals from Branch

…………… Bank Limited
………….. Branch
  Credit Appraisal Form (A) (For General Credit / Other than RMG Customers)

Ref: ……./……../2014/                                                                                                              Date:

To:
The Head of Division
Corporate Banking Division
Head Office, Dhaka.
From:
………….Bank Limited, ………..  Branch
Sub.
:
Proposal to accord approval for:
a.      ………………..……………………………………………..
b.     …………………………………………………………………
c.      …………..details shown as under:

  Taka in lac

Nature of Facility
Existing Limit
(If any)
Proposed
Purpose
Security
Limit
Validity
Total
[Total:
Forced Sale Value:]
Account: ……………………………………………………
1. Particulars of the Customer:
i.
Name of the Customer
:
ii.
Addresses
:
Business: Factory:
iii.
Nature of Business
:
iv.
Ownership of Business
 
Proprietorship/Partnership/Pvt. or Public Ltd. Co.
v.
Establishment
:
vi.
Capital Structure
:
Authorized Capital:  …..                        Paid up Capital: …..
ix.
Group Name
:
If applicable
x.
Key Person
:
xi.
Management of the Company/Owner’s Information:
Name of the customer & father’s name
Age
% of Share
Status
Personal Net Worth
[Tk. in lac]
In case of partnership/Ltd. Co.
 
 
xii.
Sister/Allied Concerns :
Name of the Concern
Nature of Business
Banker’s name
2. Banking relationship of the customer with us: The customer started banking with us in the year ……. Since then they have been availing credit facilities with the approval of Management/EC time to time. Detail information of last two years is given below.
      Taka in lac
Approving Authority
Name of the Customer
Facility
Limit
Purpose
 3. Approach of the Customer: Tabular form, Description (if any) to be placed before Table.  
4. Liability Position and Performance of the customer/Sister concern:
4.1 With MBL:    

  Taka in lac

A/C
Facility
Limit
Outstanding
Validity
Security

 

 

 

 

 

  *Overdue status along with ageing report of different A/Cs like LTR, PAD, Deferred import bills, FDBP, IDBP etc to be given in the separate sheets.           
Account: ………………………………………………                                       Page:
  4.2 With other Bank/FI:

Taka in lac

A/C
Name of the Bank/FI
Facility
Limit
Outstanding
Validity
Security

 

 

 

 

 

 

*Overdue status to be provided [Wherever applicable]
  • Performance made by the customer in the ……..account for the period of …………..
CC (Hypo)
L/C
LTR
Term Loan
BG
Dr. Sum: Cr. Sum: Recycle: Max Bal: Min. Bal: Full adjustment: Income:
No. of L/C opened: No of L/C adjusted: Amount of L/C opened: Amount of L/C adjusted: Income:
No. of LTR created: No. of LTR adjusted: Amount of LTR created: Amount of LTR adjusted: Income:
No. of Installment due: No. of Installment paid: Amount of Installment due: Amount of Installment paid: Income:
No. of BG issued: No. of BG returned: Amount of BG issued: Amount of BG returned: Income:
 
  • Income earned from the customer (Year wise):
(Tk. in lac)
Income
Year-01
Year-02
Current Year
Interest Income      
Non-Interest Income      
4.3 CIB Report:  
4.4 Stock Report: [Wherever applicable]  
5. Other information:   (i)                  Credit Risk Grading (CRG):  
Name of the Concern
     Aggregate Score
Risk Grade

 

(ii)               Credit Rating Report:   *Please refer to our Instruction Circular # 956 dated 11 May, 2011.
Name of the concern
Name of Rating Agency
Credit Rating
BB Rating Grade*
Capital Charge in %
Remarks
Short Term
Long Term
*As per BRPD Circular No. 31 dated 25 October, 2010. (iii)  Business Performance/Financial position (iii) Working Capital Assessment (iv) Project Profile [Wherever applicable] (v) Additional Information: [Additional Information (if any) to be provided]  
6. Recommendation of the Branch: Tabular form, Description (if any) to be placed before Table
7. Facility and Security Arrangement:
7.1. Facility Arrangement:
i)
Nature of Facility
:
 
ii)
Limit / Amount
:
 
iii)
Purpose
:
iv)
Margin
:
v)
Tenor / Validity
:
vi)
Commission & Charges
:
vii)
Rate of Interest
:
viii)
Draw down
:
x)
Mode of Adjustment
:
x)
Special Covenant, if any
:
Account: ………………………………………………                                       Page:
       7.2. Security Arrangement:
i. Primary
:
ii. Collateral
:
In case of R/M of Land and Building:-
SL#
Area of land
Schedule of land
Owner of land
Remarks
1.
2.
iii. Others
:
* Legal Opinion regarding acceptability of collateral security and Valuation Report have to be provided.
7.3  Reasons of changing/releasing security to be provided: [ if applicable]
8. Justification:    i. ii.
9. Recommendation: Recommended for………….with terms and conditions as mentioned in the facility and security arrangement under Serial…….of this proposal. Taka in lac
Nature of Facility
Existing Limit
(If any)
Proposed
Purpose
Security
Limit
Validity
Total
[Total:
Forced Sale Value:]
Account: ………………………………………………
………………………..
Dealing Credit Officer
………………… Credit In Charge
……………………… Manager Operation
…………………. Head Of Branch

Format Image is bellow:

  rmg1rmg2rmg3rmg4

Format (s)  can be download…..>>>>  GENREAL_CREDIT_FORMAT RMG_CREDIT_FORMAT
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