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/
MEMORANDUM TO MANAGEMENT COMMITTEE / CREDIT APPROVAL COMMITTEE
a)
b)
c)
d)
e)
f)
g)
h)
i)
j)
k)
A/C WITH:________BRANCH_______ZONE
NAME OF THE ACCOUNT
:
CIN
:
PAN
:
GROUP
:
DATE OF INCORPORATION
:
CONSTITUTION
:
DEALING WITH BANK / CREDIT :
FACILITY SINCE
IF THE A/C IS NEW, NAME OF :
PRESENT BANKERS
DATE OF TERM SHEET APPROVAL
:
LINE OF ACTIVITY
:
SECTOR/BSR CODE
:
BANKING ARRANGEMENT
:
TOTAL CAPITAL CHARGE ON CREDIT
FACILITIES ( as per point no.32)
Existing
Limit.
(Our Bank)
O/S
as
of.
Prop.
Limit
Interest/Commission
[With reference to BR]
Applicable Existing /
Prop.
Effective /Effective
rate
rate
Margin
Conce
ssion
Exist.
WC - FB
Term Loan
Sub-Total
(FB)
Non-fund
based
Total
(Our Bank)
Other
Banks
Financial
Institutions
Total
Grand Total
DELEGATED AUTHORITY:
The proposal falls within the delegated authority of _____________ on account of __________.
Page 1 of 15
Prop.
:
:
SANCTIONING
AUTHORITY
(Previous Sanction)
DUE DATE OF REVIEW
ASSET CLASSIFICATION
CREDIT RATING:
OUR SHARE:
(In Percentage)
Current
Proposed
:
:
Rating Date
ABS as of
previous year
ABS as of
current year
Internal Rating
External Rating
(by
)
Facilities
and
amount rated.
Whether the total
facilities availed
from
Banks
including our Bank
is rated.
STATUS OF ACCOUNTS
Regular
EAS / SMA
Restructured
(in
case
of
restructure, date
restructured)
Date of JLF :
repeat
of last
3.
4.
Sr.
No.
Means of Guarantors:
TNW of Corporate Guarantors:
Unit / Works
NAMES OF PROPRIETORS /
PARTNERS / DIRECTORS & THEIR
MEANS
Designatio
n
PAN*
1
2
Page 2 of 15
Means
(Rs. in crores)
Previou
Latest
s
DIN*
3
4
5
*PAN & DIN should be invariably mentioned in case of each Director / Basis for arriving of means
commented upon
5.
BACKGROUND
OF
PROMOTERS / DIRECTORS /
PROPRIETOR / PARTNERS
[Latest
significant
developments
about
the
promoters / directors of the
company should be mentioned
after the background]
6.
CAPITAL STRUCTURE
Authorised Capital
:
Issued & Subscribed Capital
Paid Up Capital
Book Value
Market Value
6 (a)
:
:
:
:
:
SHAREHOLDING PATTERN
Share Holder
No. of
Shares
Face Value
Holding %
Current
TOTAL
(b) Any significant change in share holding pattern be explained
(c) Quantum of shareholding pledged by promoters
7.
8.
Page 3 of 15
Previous
9.1
DUE DILIGENCE
[In case of advances above Rs.1.00
crore, the Branch Head should
invariably lead the due diligence
verification as per IC no. 8643
dated 10.05.2010]
Date of Report
- Borrower
Property
9.2
9.3
9.4
10.
11
12.a)
:
:
OPERATIONAL
EXPERIENCE
WITH
REGARD TO SISTER / ALLIED CONCERNS
Name of the
Concern
b)
Branch
Conduct
of
Account
Working
Capital
Term
Loan
Page 4 of 15
Contingent
(Rs. in crores)
Invest- Present
ments
irregularity, if
any
MOR
c)
d)
FY ............
NET SALES
PAT
TNW
TOL/TNW
DER
Current Ratio
13 (a)
Nature /
Description
of primary
Security
Value
Accepted
by Branch
[Rs. in
crore]
(b)
Date of
creation
of
charge
with
ROC
Amount
of
charge
created
along
with
details
of assets
Insurance
Amount &
Date of
Expiry
CERSAI ID
(Whether the
online search
carried out for
prior/multiple
registration)
Remarks
Value of Paid up
inventories
/
Eligible Debtors /
Plant
&
Machinery / Other
movable assets /
Other
securities
such
as
cash
margin for LC / LG
(c)
i)
Date
of
latest
stock and
Book
Debts
statemen
t
Date
of
valuation and
name of valuer
in case of Plant
& Machinery
WDV
of
Plant
&
Machinery
as
per
latest
Audited
Financial
Statement
Date of
creation
of charge
with ROC
Amount of
charge
created
along with
details of
assets
Insurance
Amount &
Date
of
Expiry
Nature / Description of
collateral Security
Value
Accepted
by Branch
[Rs. in
crore]
Page 5 of 15
Insurance
Amount &
Date of
Expiry
CERSAI ID
(Whether the
online search
carried out for
prior/multiple
registration)
Remarks
ii)
PERSONAL
GUARANTEE
/
CORPORATE GUARANTEE
Name of the Guarantor PAN
:
Latest Means as per
Credit Report
dated
Means as of date of
sanction
Total
Basis for arriving of means commented upon / Reasons for Variation between latest means and
means as of date of sanction should be specified:
BRIEF BACKGROUND
(Should indicate latest significant
Developments about Borrower:
14.
FINANCIAL
INDICATORS
OF
BORROWER
Name of borrower :
(Name of statutory auditors with
membership no.)
YEAR ENDED / ENDING
Mar.2012
(Aud.)
Paid-Up Capital
Reserves & Surplus
Intangible assets
Tangible Net Worth
Long Term Liabilities
Capital Employed
Net Block
Investments
Non Current Assets
Net Working Capital
Current Assets
Current Liabilities
Current Ratio
DER (TL/TNW)
TOL/TNW Ratio
TOL/TNW along with
Contingent Liabilities
Net Sales
Cost of Sales
Operating Profit/EBDITA
Other Income
Interest/Finance Charges
Depreciation
Tax
Net Profit after Tax
Cash Accruals
DSCR
Page 6 of 15
POSITION
FOR
QUARTER END:
Peer Group Performance (enjoying credit limits of Rs.25 crores and above):
Name of the Companies
Audited as of
NET SALES
PAT
TNW
TOL/TNW
DER
Current Ratio
(i)
:
:
(ii)
(iii)
(iv)
(v)
(vi)
(vii)
Source of Capital:
(To ascertain whether debt raised by associate
has not been infused in the form of equity in
the borrowing company)
(viii
)
Comments on Restructuring
[If the account has a history of restructuring,
the details of the same should also be
mentioned including Personal guarantee of
promoters and their
contribution]
Page 7 of 15
(ix)
EVALUATION OF MANAGEMENT
[Adverse market reports if any should
be properly commented upon]
15.
16.
EVALUATION OF INDUSTRY
17.
18 (A)
:
:
:
:
:
:
No. of
Statements /
Return recd.
During the year
Stock Statement / BD
MSOD
QPR/ Half Yearly Statement
B.
19.
a)
b)
c)
d)
e)
:
:
Page 8 of 15
f)
g)
h)
i)
j)
20.
b)
c)
22.
:
:
Compliance
to
Restructuring
guidelines of RBI / Bank, if
applicable
- Date of Technical
comments thereof.
21 a)
Inspection
and
:
:
AUDIT OBSERVATIONS
Page 9 of 15
Observations
a) RBI Inspection(Date of audit)
Branch Replies
Date of COR
c) Concurrent(Date of audit)
d) Statutory(Date of audit)
e) Stock Audit(Date of audit)
25 a)
Irregularity
Nature of Facility
Limits
Existing
Limits
Recommended
Action Taken
:
(Rs. in crores)
OUR BANK
D.P.
O/s as on
Value of
Securities
[Our share]
DETAILS OF EXCESSES
DURING THE YEAR
ALLOWED
:
Maximum Excesses allowed
i)
ii)
iii)
Irregularities, if
any
iv)
c)
d)
26 a)
Fund Based
Sl.
No.
Name of the
Bank
% Share
Amt.
% Share
Total
Amt.
% Share
(Rs. in crores)
Comments on
Conduct of the
Account and
position of last
Amt.
sanction /
review
1.
2.
3.
4.
b)
c)
Nature of Limit
VALUE
OF
ACCOUNT
Financial Year)
i) Advances:
- Interest Income
- Feebased Income
ii) Retail / Consumer
employees associates]
iii) Deposits:
- Own
- Third Party
Finance[to
(During
Amount
(Rs. in crores)
Comments on
conduct of A/c
:
(Rs. in crores)
No. of Accounts
Amount
Amount
Tenure
BILLS
No. Of Bills Purchased
Amount
Returned Unpaid
Others
No. issued
Amt.
Comm.
Earned
etc.
Intt. Earned
Amount
OBC*/Int. Earned etc.
*OBC Other Bank Charges
d)
Page 11 of 15
L/C
B/G
6.
7.
8.
9.
Amount of
Exposure
Unhedged
Portion
External
Commercial
Borrowings
Import usance bills received
on collection basis duly
accepted and outstanding
O/s L/Cs & PADs for import of
goods / capital equipment
Outstanding LOCs issued for
Buyers credit
Outstanding in Packing Credit
for which the Corporate is
committed to submit export
bills
Other Export Receivables
(which are not discounted
with the Banks / FIs)
Other Import Obligations
Foreign
Currency
Loans
availed
from
Authorised
Dealers in India
Any other exposure, please
specify
e) Whether the provision maintained by the Bank :
towards unhedged exposure is factored into
pricing. (Latest provision amount to be captured
from Finacle through UFCE menu)
f)
27.
PRUDENTIAL
EXPOSURE
NORMS
[inclusive of Banks exposure in the
form of investments like shares,
debentures, CP, etc.]
28.
a)
b)
Particulars
Mar.____
(Aud.)
Mar.___
(Aud.)
Raw materials
- Indigenous
- Imported
(Months Consumption)
Stock in process
(Months Cost of Production)
Finished Goods
(Months Cost of Sales)
Stores
Page 12 of 15
[Rs. in crores]
Mar.____
Mar._____
(Aud. / Est.)
(Proj.)
(Months Consumption)
Receivables
(Months Sales)
Other Current Assets
Sundry Creditors
(Months Purchases)
c)
d)
e)
Term Loan
(Comments on assessment of our Bank &
Lead Bank)
(In case of existing term loan, progress vis-a-vis projections given originally to be given on the
basis of following points):
Brief on TEV Study (Other Bank / Our Bank) dated
Brief on LIE Study (Other Bank / Our Bank) dated
f)
g)
Consortium Arrangement
h)
29
Year
:
Date of carrying out internal rating
Previous Year
ABS as of
Current Year
ABS as of
Previous Year
Marks Obtained
Current Year
Parameters
Page 13 of 15
Borrower Rating
Facility Rating
Risk Mitigators
Business aspects
Total Marks with Grade
c)
a.
RATING RATIONALE:
30.
INDICATE
PRODUCTS
/
SERVICES
PROPOSED TO BE MARKETED TO
CUSTOMER
31.
Activity :
Exposure
Classification of
Asset
Standard
Sub-Standard
Doubtful
Loss
TOTAL
No. of
A/cs.
Fund-Based
Limits
(Rs. in crores)
Non Fund
Total
Based limits
32.
No.
Stipulated earlier
Now recommended
Amount
External
Credit
rating
Risk
Weight
Capital
__%
Page 14 of 15
Cost of capital
@ ____%
Income
32.2
Credit
Facility
Amount
Amount
Margin
Externa
l Credit
rating
CCF
Risk
Weigh
t
Capital
@ __%
Cost
capital
____%
of
@
Income
RECOMMENDATIONS
:
(Rs. in Crores)
Nature of Limit
Amount
Existing
Proposed
Margin
Int./
Comm.
Security
AGM / DGM
General Manager
Page 15 of 15