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ES-1

(Branch or SARAL or RO or FGMO or CO)


Executive Summary Format for Credit proposal of Rs.500Lacs and above
Reference:

Date:
/
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)

1. PROPOSAL FOR: SANCTION/ENHANCEMENT/MODIFICATION/CONCESSION


(please delete whichever is not applicable)
(Rs. in
crores)
Nature of
Limit

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.

LEAD BANK/MBA/ SOLE


DATE OF SANCTION / LAST REVIEW

:
:

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

Names of other Banks reporting as


SMA-2
Rating Rationales: (Discussed under Para no. 27 c)
2. PURPOSE OF THE NOTE: [Synopsis of final recommendations]
Collateral Coverage:
Existing / Proposed

3.

4.

Sr.
No.

Means of Guarantors:
TNW of Corporate Guarantors:

ADDRESS Regd. / Admn. Office

Unit / Works

NAMES OF PROPRIETORS /
PARTNERS / DIRECTORS & THEIR
MEANS

Name of the Partner /


Director

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.

IN CASE OF PARTNERSHIP FIRMS


INDICATE CAPITAL CONTRIBUTED
BY EACH PARTNER SEPARATELY

8.

COMMENTS ON LATEST CREDIT /


SEARCH REPORT/ CIBIL

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

COMMENTS ON ADVERSE MARKET


REPORT, IF ANY

9.3

Date of last exchange of


information among all member
Banks (in case of multiple &
consortium accounts) and any
adverse observations thereto

9.4

Date of diligence report as per


Annexure
III
to
I.C.8731
dt.04.08.2010 & any adverse
feature commented upon

10.

WHETHER A/C IS TAKEN / TO BE


TAKEN OVER. IF SO NORMS FOR
TAKE OVER ARE FULFILLED
SECTOR
CLASSIFICATION
OF
ACCOUNT WITH JUSTIFICATION
IF PRIORITY, JUSTIFICATION
IF MSME, ORIGINAL INVESTMENT
IN CORE PLANT & MACHINERY /
EQUIPMENT TO BE MENTIONED

11

12.a)

:
:

OPERATIONAL
EXPERIENCE
WITH
REGARD TO SISTER / ALLIED CONCERNS

Name of the
Concern

b)

Branch

Conduct
of
Account

Working
Capital

COMMENTS ON OTHER BANKS CREDIT


REPORT ON BORROWER & SISTER
CONCERNS

Term
Loan

Page 4 of 15

Contingent

(Rs. in crores)
Invest- Present
ments
irregularity, if
any

MOR

c)

LATEST FINANCIALS OF SISTER CONCERNS:


Name of the Sister concerns
FY ............
NET SALES
PAT
TNW
TOL/TNW
DER
Current Ratio

d)

LATEST CONSOLIDATED FINANCIALS OF GROUP:

FY ............
NET SALES
PAT
TNW
TOL/TNW
DER
Current Ratio

Name of the Subsidiary companies

13 (a)

Detail of Prime Security: As of


(In case of Mortgage of Assets )

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

Details of Prime Security (other than mortgaged assets)

Value of Paid up
inventories
/
Eligible Debtors /
Plant
&
Machinery / Other
movable assets /
Other
securities
such
as
cash
margin for LC / LG

(c)

Dt. & Value


of Property
along with
name of
Two Valuers
if required

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 & VALUE OF COLLATERAL SECURITY

Nature / Description of
collateral Security

Value
Accepted
by Branch
[Rs. in
crore]

Dt. & Value of


Property along
with name of
Two Valuers, if
required

Page 5 of 15

Insurance
Amount &
Date of
Expiry

CERSAI ID
(Whether the
online search
carried out for
prior/multiple
registration)

Remarks

Latest Inspection / Due diligence report dated ................


Date of title search report in prescribed format:
(Two Title search report, if value of single property is Rs.5.00 crore & above)

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.)

[Financials should be as per the revised format


of Schedule VI to the Companies Act, 1956]
Date of Certificate of CA who have audited the
financials as per IC 9751 dt.28.11.2013
(Rs. in crores )
Mar.2013
Mar.2014
Mar.2015
(Aud.)
(Aud / Est.)
(Proj.)

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

QUARTERLY RESULTS (IN CASE OF PUBLIC LTD. COMPANIES)


PARAMETERS

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)

Comments on Financial Indicators


Any abnormality should be commented
with
proper
justification
including
comments on profitability and finance
charges

:
:

(ii)

In case of listed company latest


:
quarterly results of the company
should be commented:

(iii)

Percentage of Net Worth to Contingent


Liabilities / Acceptance given by the
Company

(iv)

Audit Notes in Balance Sheet if any, to be


specified

(v)

Comments on Financial Indicators on Cash


Basis

(vi)

Comments on internal & external diversion


of funds, if any
(Uses of short term funds for long term
purpose / reasons for increase in investment
in subsidiaries, if any)

(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)

Brief on status of Escrow account :


(Including Brief on Status of Trust and
Retention account (TRA) and / or Debt
Service Reserve Account (DSRA), or any
similar arrangement wherever applicable)

EVALUATION OF MANAGEMENT
[Adverse market reports if any should
be properly commented upon]

15.

16.

EVALUATION OF INDUSTRY

17.

EVALUATION OF BUSINESS RISK

18 (A)

CONDUCT OF THE ACCOUNT


(i)
Regularity in submission of
-Stock Statements / Book Debt
Statement
-MSOD
-QPR Statements / Half Yearly
Statement
-Financial Statements
-CMA Data
(ii)
Name of the Statement / Return

:
:
:
:
:
:
No. of
Statements /
Return recd.
During the year

Last Stat. / Return


recd.

Stock Statement / BD
MSOD
QPR/ Half Yearly Statement
B.

COMMENTS ON OPERATIONS / OVERDUES


[Status of statutory dues to be
commented]

[ATOR menu in finacle, particulars about


Dr. & Cr. (limit wise)]

19.

COMPLIANCE TO TERMS OF SANCTION

(If any term/condition not complied


with, furnish reasons thereof & expected
date of Compliance.)

a)

Completion of Mortgage formalities

b)

Registration of Charges with RoC


Mention search ID and date
Whether documents valid and in
force
Compliances to CPAO observations
Whether CPA report is qualified /
unqualified. If case of qualified
CPA, whether prior approval of
competent authority obtained for
disbursement,
details
of
observations
and
date
of
rectification.
Comments on end use of funds

c)
d)

e)

:
:

Page 8 of 15

f)

g)
h)

i)

j)

20.

Whether all other terms and


conditions complied along with
observations/remarks
of
sanctioning authority, if any, as per
previous sanction / modification
proposals
Compliance of RBI guidelines

Whether Consortium meetings held


at prescribed periodic intervals
where the Bank is the leader
Date of last Consortium meeting
and gist thereof should be
mentioned

Consortium advance where our


Bank is the member Bank Date of last Consortium meeting
and gist thereof should be
mentioned
Compliance on Loan Policy
[Deviations to Loan Policy if any to
be
discussed
with
proper
justification]

b)

c)

22.

:
:

Compliance
to
Restructuring
guidelines of RBI / Bank, if
applicable

DATES OF INSPECTION DURING THE


FINANCIAL YEAR
- Date of last inspection of factory / stock /
assets, etc including other banks
should be specified / comments

- Date of Technical
comments thereof.
21 a)

Inspection

and

WHETHER THE NAME OF THE COMPANY /


DIRECTORS FIGURE IN RBI DEFAULTERS /
CAUTION LIST / CAUTION LIST OF
EXPORTERS / WILFUL DEFAULTERS /
ECGC. IF YES, PLEASE FURNISH DETAILS.

WHETHER DIRECTOR / PARTNER /


PROPRIETOR IS A DIRECTOR IN OUR /
OTHER BANK OR IS RELATED TO THEM. IF
YES i)
Name of such Director with name
of the Bank
ii)
Type of Relation

ANY LITIGATION IN FORCE AGAINST THE


FIRM / COMPANY OR AGAINST THE
PARTNERS / DIRECTOR. IF SO, MENTION
DETAILS AND PRESENT POSITION

:
:

AUDIT OBSERVATIONS
Page 9 of 15

Observations
a) RBI Inspection(Date of audit)

Branch Replies

Date of COR

b) Internal (Date of audit)

c) Concurrent(Date of audit)
d) Statutory(Date of audit)
e) Stock Audit(Date of audit)

23. Status of Leakage of Income, if any pointed out in various audits:


Nature of leakage
24.

Pointed out during

ANY IRREGULAR FEATURE OBSERVED IN


THE MONITORING REPORT
Date of Report

25 a)

Irregularity

EXPOSURE DETAILS FROM OUR BANK


(including foreign branches, if any )

Nature of Facility

Status of Recovery of LOI

Limits
Existing

Limits
Recommended

Action Taken

:
(Rs. in crores)
OUR BANK
D.P.
O/s as on

Value of
Securities
[Our share]

A] NON FUND BASED LIMITS


Sub-Total [A]
B] FUND BASED LIMITS
Sub-Total [B]
C] TERM LOAN / DPGL LIMITS
Sub-Total [C]
GRAND TOTAL [A+B+C]
b)

DETAILS OF EXCESSES
DURING THE YEAR

ALLOWED

No. of occasions excesses allowed

:
Maximum Excesses allowed

i)

Under whose DA excess given

ii)

Whether excess allowed are reported to controlling office

iii)

Whether excess allowed confirmed or not


Page 10 of 15

Irregularities, if
any

iv)

In case of repeated excess despite no confirmation by RO, whether branch head


advised suitably

c)

OTHER EXPOSURE, IF ANY, INCLUDING


INVESTMENTS

d)

OTHER LIABILITIES OF DIRECTORS /


PARTNERS
[in their individual capacity]

EXPOSURE DETAILS FROM BANKING


SYSTEM (Incl. our Bank)

26 a)

Fund Based
Sl.
No.

Name of the
Bank

% Share

Non Fund Based

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)

CONDUCT OF THE ACCOUNT AND


EXPOSURE DETAILS FROM FINANCIAL
INSTITUTIONS
Name of Institution

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

Comments on interest earned vis a vis Limits sanctioned:


FBWBC
Max. Utilization
Min. Utilization
Avg. Balance

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)

DETAILS OF THE FOREIGN CURRENCY


EXPOSURE,
COMMENTS
AND

Page 11 of 15

L/C

B/G

UNHEDGED PORTION, IF ANY


(From all Banks / FIs maturing within
current & next Financial Year)
Name of the Corporate
1.
2.
3.
4.
5.

6.
7.
8.
9.

Amount of
Exposure

Unhedged
Portion

Due dates for payment


(Range)

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)

Derivative Limit details

27.

PRUDENTIAL
EXPOSURE
NORMS
[inclusive of Banks exposure in the
form of investments like shares,
debentures, CP, etc.]

28.

COMMENTS ON ASSESSMENT OF LIMITS

a)

Projected Level of Sales

b)

Comments on Inventory / Receivable

Particulars

Mar.____
(Aud.)

Within the prudential risk exposure ceiling of


the Bank.

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)

Industry norms as per approved rating


agencies on holding levels of Raw
Materials, Stock in process, Finished
goods, stores, Receivables and Sundry
creditors:

d)

Working Capital Assessment


(Comments on assessment of our Bank &
Lead Bank)

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)

Assessment of Non-Fund Based Limits

g)

Consortium Arrangement

h)

Any other matter (Proposal for interest


concession be supported by customer
profitability analysis)

Justification for concession, if any

(Customer relationship value - Excel


sheet as per IC no.7710 dated
29.06.2007 to be attached)

29

INTERNAL CREDIT RATING

Date of receipt of Audited financials


a)

Year

:
Date of carrying out internal rating
Previous Year
ABS as of

Current Year
ABS as of

Previous Year

Marks Obtained
Current Year

Total Score Obtained


Grade
b)

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.

BANKS EXPOSURE TO INDUSTRY (BSR


Code: )

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

b. Whether this exposure falls within the sector :


wise / industry wise Exposure Ceiling
INDUSTRY OUTLOOK

32.
No.

SUMMARY OF CHANGES IN SANCTION


TERMS, IF ANY
Terms of sanction

Stipulated earlier

Now recommended

1. Rate of Interest ( fixed or floating)


2. Margin
3. Commission for L/C, L/G, DPGL
4. Commission on remittances and other
services (Please specify)
5. Processing charges
6. Primary security ( give details)
7. Collateral security ( give details)
8. Personal / Corporate Guarantees
(Name / means / TNW)
32.1. CAPITAL CHARGE (in case of FB limits)
Credit
Facility

Amount

External
Credit
rating

Risk
Weight

Capital
__%

Page 14 of 15

Cost of capital
@ ____%

Income

32.2

CAPITAL CHARGE (in case of NFB limits)

Credit
Facility

Amount

Amount
Margin

Externa
l Credit
rating

CCF

Risk
Weigh
t

Capital
@ __%

Cost
capital
____%

of
@

Income

32.3 TOTAL CAPITAL CHARGE (FB & NFB Limit )


(To match with point no.k on 1st Page)
33.

RECOMMENDATIONS

:
(Rs. in Crores)

Nature of Limit

Amount
Existing
Proposed

Margin

Int./
Comm.

Security

NON FUND BASED


FUND BASED
TERM LOAN/DPGL
TOTAL
34.

Terms and conditions:

Submitted for approval


Resolution:
If approved, the MANAGEMENT COMMITTEE / CREDIT APPROVAL COMMITTEE is requested to adopt
the following resolution:
RESOLVED THAT the credit facilities recommended vide page No.
of this note, in
favour of M/s............. be and are hereby sanctioned / renewed / modified on the
terms and conditions mentioned in the note.

AGM / DGM

General Manager

Page 15 of 15