Eastern Bank Limited CM No: DATED:

Application for Limit (AFL) NEW / RENEWAL / REVISION / ENHANCEMENT/REDUCTION

Account Strategy GROW / HOLD / REDUCE / EXIT

Current Extended (1'/2"°/3'°) up to Next
Review/Expiry Date
dd/mm/yyyy dd/mm/yyyy dd/mm/yyyy
ORIGINATING UNIT:
BRANCH:
Early Alert: EA 1/EA2/EA3/EA4/EA5/EA6 EA Raised on: ...... ... Borrower Risk Grade: Current
Proposed I
EnvRR Borrower's External Rating/
DOE Category Ratino Aoencv Example: 'A+'/ECRL

Borrower Name: Address

_. ,.bT","T' ;CD
Business: ;)
Country of
.
Incorporation:
Date of Inc.:
Relationship Since:
CASA NC #
Flexcube 10:
Net Worth:
Sector / Code:
Group
Group Sales
Group net worth
Group Risk Grade

PROPOSED TRANSACT'ioN {PURPOSE OF REQUeST

, " , ,', '.',~.,,,,,,.M.,, ~" . 'v.

Mention transactions in brief as requested for approval.

' . A_M M_:.,,' "

MODgbE __A:I=APIWllle$$QMMY:>, ., ,/ii}, '.';',' ,..

BOT ('000)
Class
EXISTING PROPOSED

SL O/S AS TENOR & PRICING TENOR & PRICING

FACILITIES LIMIT {commissionl LIMIT (commissionl
NO ON MARGIN MARGIN
.......... interest rate) interest rate)
I. REGULAR LIMIT
1
2
3
Sub-Total (I)
II. ONE TIME LlMIT*
4
5
6
Sub-Total (II) - .-
III. BANKlFX RISK
7
8
9
Sub-Total (III)
IV.TOTAL (1+11+11I)
V. FUNDED LIMIT
VI. NON FUNDED
LIMIT
TOTAL CLASS A
TOTAL CLASS B
(Cap)
TOTAL CLASS C
TOTAL CLASS D

Borrower: CM No. Date:

 . V. FUNDED
'liMIT
VI. NON
FUNDED
LIMIT
TOTAL
CLASS A
TOTAL
CLASS B
(Cap)
TOTAL
CLASS C
TOTAL
CLASS D
-Expiry Date of One Time limit to be mentioned in Tenor/ Margin column.

VII. GROUP I
RELATED Existing Exp iry
ACCOUNTS

Non- O/S as on............. Total

SL
NO I COMPANY
NAME
Funded
Limit Funded
Limit
I Total
Funded
Non-
funded

Sub-Total (VII)
GRAND TOTAL
(IV+VII)
'l ~.....
Note: Please include facility (s) extended to any other co..." Jtectors,qt the~rowing concerns have ownership
...~?>o~
interest or stands as surety/guarantor, and facilities in their

SINGLE BORROWER/GROUP EXPOSURE CALC~I.::A;rION

. ~ . ,
e,,~.....

As of last report

No. 'wPROPOSED
1
I SANCTION I LIMIT TERMS
,
20.000.000
I Y
I Limit Usage
Limit Type
: Outer Limit (One Time)
: Letter of Credit (Sight)
: To import machinery from foreign
Purpose
suppliers.
Tenor : 90 days
Margin : 10% cash

Pricing : 0.40% p.q

Conditions : NIA
Retirement : By creation of Term Loan as per line 1(a)
Sub - 20.000.000
Total

Credit Instruction Manual (Appendices) : Eastern Bank Limited Page 52 of 123

 BF - 20.000.000
1(a) Nil 118.000.000\ Y I Limit Usage : Inner Limit (One Time)
Limit Type :Term Loan

Purpose : To retire documents under line 1

Tenor : 5 years from the date of disbursement
Margin : N/A

Pricing : 14.50% p.a on quarterly rest

: One year moratorium on repayment of both principal
Conditions & interest. 1s1installment will be due on the 151h
month after disbursem ent.
Repayment : By 16 Equal Quarterly Installments.
2 200,000,000 250.000.000 VI Limit Usage : Outer Limit

Limit Type : Letter of Credit (Sight)

Purpose : To import raw materials from;for,eign & local

suppliers. ~

Tenor : 90 days
Margin : 10% cash IReduced from 15"10\~

Pricing : 0.40%p.q "\....

~ ..
.
Conditions : N/A
Expiry : dd/mm/:yyyy
Retirement : By'C!.eatidn,dflmPort
Loan as p~r limit 2(b)

I 2(a) (200,000,000) 1250.000.000\ Y I Limit Usage : Inn~('LiOJ.!t ;

Limit Type : Letteror-CreQit (ITe~~rr~)""
: To impo'~traw nJaterials'from foreign & local
Purpose
'suppliers~,
Tenor 'I 1'80 day~
Margin' :' 10% cash

PriCing : 0.40% p.q

Conditions :"N(A
Expiry : dfJ/mm/yyyy
: Debiting Margin account & Customer's account on
l Retiremel)t

I
2(b) (180,000,000) 1225:000.000\ ~. illih1i(Usage
maturity.
: Inner Limit

: Import Loan
Limit Type

: To retire import documents against sight LCs under

-
facility 1.
Tenor : 120 days
Margin : N/A
Pricing : 14% p.a on quarterly rest
Conditions : i. Acceptance liability shall not be retired through
disbursement of Import Loan.
Expiry : dd/mm/yyyy
From sales proceeds of the customer debiting
Repayment customer's account.
Sub
total 200,000.000 270.000.000

Credit Instruction Manual (Appendices) : Eastern Bank Limited Page 53 of 123

 BF 200,000,000 270.000.000

2(c) (200,000,000) /250.000.000\ N Limit Usage : Inner Limit

Limit Type : Acceptance

: To retire import documents against ULCs under
Purpose
facility - 2(a).
Tenor : 180 days
Margin : N/A

Pricing : 0.30% p.q

Customer shall arrange required fund on or
before maturity.
Conditions ii. Customer shall build margin of Tk. 20.0
million in each month from the date of
acceptance.
Expiry : dd/mm/yyyy
Retirement : Debiting Margin account &,Customer's account
on maturity. """,-
3 I 50,000,000 50,000,000 Y Limit Usage : Ordinary Limit ,....
Limit Type : Demand Loan

Purpose : To pay duty .~ taxe

Tenor : 120 days.i~O'days i
Letter)
Margin : N/A.
~
Pricing ~,14% ~. 00 q!#arlt§rly rest
Conditions 11 ~l(Vill~di~pursed di~e(91in favor of the
;:~~.~~~~~.ll\x~IJ~Dority.
Expiry : di:jtlJ:1m~ '\.;
: Fr61'!)\sa~s.p£..oce~ debiting customer's
Repayh't,ent" .....
4 I 2,000,000 I 2,000,000 I y I Uhi',!)sage

Limit Type,

'f' 'I'Purpose :"'Fo'Peet regular day to day expenses

Tenor
'> On Demand
Margin : N/A

Pricing : 14% p.a on quarterly rest

.\1: ConditiOils
'>Q;
: N/a

Expiry : dd/mm/yyyy

'" .J,'Repayment : From customer's sales proceeds

5 I 2,00Q.00O Limit Usage : Ordinary Limit
1000,OO9
." /17
Limit Type : Guarantee
: To provide Bid Bond, PG, APG to different
Purpose
authority.
Tenor : Any period maximum up 2 years.
Margin : 20% Cash

Pricing : 0.50% p.q

Conditions : Open ended guarantee shall be issued against
100% cash margin
Expiry : dd/mm/yyyyy
Repayment : Debiting customer's account on_;/ocation.

Total 254,000,000 324.000.000

Source of Repayment:

Please Mention primary, secondary & tertiary sources of repayment

Credit Instruction Manual (Appendices) : Eastern Bank Limited Page 54 of 123

:MODULE - C: JUStIFICAT1ON~aF~PRoPOs-Ei51=Acn:.iTtES
; Justifypr~po~edWC limit~in Ii~ewith Cash Con~e~si~~Cycl;,';;p~~ttr~nsactioncycle(for RMG), project cost (forTerm
Loan), etc.
Tried party transaction (if any) is also to be justified in this section in line of common ownership, rational etc.

MODULE - [): .SECURl'rX ~;DOCOIViENf~!!QN(BDT' O~Ol..

Limits
Amount Collateral
Covere
No. Description of Valuation
d
Charge CMV CRR
All 20,000 20,000 3

2 All 20,000 12,000 All

Propertv Details:
Type : Residential/Commercial/Industrial
Usage : Rented / Owners Occupied /Factory Premises
Land Area : xxxxx decimal/xxxx sft
Schedule
Owner(s) : Mr. ssgedjj, Mr. fgdjdlo, Mrs. Dfchjksl
Ownership : First/Third Party

Formal Valuation Details

Date of Valuation: 15/12/200x
Name of Valuer : Jorip 0 Paridarshan (Enlisted with the Bank)
CMV : Tk. 20.0 m
FSV : Tk. 16.0 m
Insurance : N/A

RM's comment on property & its value:

Property Valuation Report Enclosed .. ..
~ W.,". ':~ "'$.,

3 Hypothecation of Inventory & Book Debts, Machinef~~(prese1")f"'1j. JAil

N/A N/A All
future) of the company, registered with RJ.~c:".(Enhariae.~ froln,.......
existing amount by Tk. 20.0m) A ~ ~ . 'I. ""
Insurance: Insurance of assets covepi;!g appropriate ri§~ fo(the
entire facility with EBL, Le., Tk. .. .
4 Personal Guarantee (Joint Ij.Several)o'f"all directors o~tpe All N/a N/a All
Com pany on the bank's f9lJ'11' (Unchai\~e9)
Name Passport4fD Net-Worth {as on
dd/mm/w)
Dfghhjd Tbnmcj" i52335 Tk. 52.26m
Sffjdkusyh ~h§~lksd 24~66} Tk. 200.00m

5 All N/a N/a All

All other st!indard Ch~r~e Docum.ents

MODiJ[E -E:COVENANTS
,~
&CdNbITI()~S(ADVISED INSANCTION,L~TT~~I
LIMITS
No. DETAILS FREQUENCY BY DATE COVERE
"', , . D
Audited financi~!§ is to submitted within 120 days from each
Yearly 30.05.200x All
accolJQpnJy~~(UnadVised graced period is 30 days).
(Unchaog!'l};!j.& Complied)
15 days
2 Stock report is to be submitted monthly (Unchanged & Complied) Monthly from 81.....11 All
montn
3 Yearly 30.05.200x All

15 fays
4 Customer shall submit debtors aging list (Unchanged & Complied) Quarterly I from each All
uarter

MODlJE......F: COVENANTS.&gQJDI"!1gN (UNAbVISE IN gcn9N LE:mTE)

! LIMITS
I No.
DET AILS FREQUENCY BY DATE COVERE
D
1 RM shall visit customer quarterly to obtain business updates Quarterly Continuous All
2 Other conditions

Credit Instruction Manual (Appendices) : Eastern Bank Limited Page 55 of 123

 (jDUi.E =G;ECIALAe'QYAb'§Qt:tG'T m:'Af4X)
DETAILS Validity
I No.
I 1 Sanction Letterwill be providedpendingconfirmationof minutesin next Board Meeting N/A

I 2 others

I MODlJLE__H: RISK INDIC?AT()RS

If "No", Indicate the breach code

ICredit Policy Compliance X I YES I NO

;Business Policy Compliance X I YES I NO

Social & Environmental Risk LOW I MEDIUM I I HIGH
Reputational Risk LOW I MEDIUM I I HIGH

MODULE __I.:FINANCIAL SYMijJ):RY (EJDT'OO~).<

i>---
Type of Financial
! Date 31.12.2005

I T'otal Sales
Sales Growth

Gross Profit (%)

! NPBT (%)
Net Profit (%)
NCAO
CADA
L-
I Total Debt
Net Worth

Leverage (x)
DSCR

Receivables (days)
Payables (days)
Inventory (days)
Cash Conversion Cycle
Net Working Capital
Current Ratio
Quick Ratio

Contingentl,l~pility
.Above,",entipned
SBLC,
information is not mandatory for credit facilities fully secured by quasi cash, bank guarantee.

MODULE - J: BORROWERRISKGRJ:G5iNG'
Comment on the~o~elJl'ei)t of BRR. and justify a~y o~erride. if proposed,
I
I

MODULE - K: ....-.-
Supported By: Supported By:
I Initiated By:

I
I
Relationship Manager
Unit Head/BDM Business Head

Credit Instruction Manual (Appendices) : Eastern Bank Limited Page 56 of 123

 . . .
I RECOMMENDATION FROM CRM
I Recommendedllnitiated Supported By Approved By/Recommended for
Supported By Board Approval
I by: I

I Credit Officer/Manager Head of Corporate/SME Risk Head of CRM Managing Director & CEO

I Approval subject to following conditions (if any):

"

.
, >.
..
...
"", ...... ::- '" .... ....
.. .'h

. ...
I-
, v-
I
. "". ..
."
" ,
.--

. .

...

I - - . -.;<- .."

Note: Some modules of the .AFLhavli!'7el)(llIed-in as example using hypothetical data and statements.

Credit Instruction Manual (Appendices) : Eastern Bank Limited Page 57 of 123

 IIIId[)(JLE- L: DECLARAtloN'AND CA'e'CK LIST
Sl I Declaration

Allprocedures in respect of opening of Account have been complied with.

Allnecessary documents establishing the borrower's legal entity have been obtained.
iii I Existing Securities / Banking documentations and collaterals with their valuation have been
checked and they are in order.
iv I Documents establishing that proposed facility is within authorization and borrowing powers of the
applicant have been obtained.
v I All Assets offered as security / collateral have been verified to be free from all encumbrances.

vi I Security documents as prescribed have been obtained along with complete set of borrowing
documents.
vii I The borrower is a Director / Shareholder of EBl

Viii I The borrower is a Director / Shareholder of other Bank. If yes, which Bank?

ix I The borrower is a Director of any Non Bank Financial Institution (NBFI). If yes, whi
Institution
i x I CIS report dated 13/02/200x from Bangladesh Bank is satisfactory and is in,fi!~;

Relationship
Manager 'CreditAdministration
Officer
,. ,,\
Name:
Designation:
N~rQ~.;
~DeslgQatlpn:
.'.

.#' "
~A

Credit Administration Department confirmed tha~~IRioan(jo~u,~e~tation are

reviewed on and findings are attached;, \. ,... '\
. '~. \.
Name: ....
Designation:
,>,..."''<.'-., , ",.,.."_"",.",,,,,"'."..,"'>

ACCOMPANYING DOCUMENTCHECKLJST ATTACHED (YESmO/N)

,,'"?'.' ,<,",,,,__,','x,'F"

DYes D No D.NlA

DYes D No D NlA

DYes D No D NlA

. opyof Bonded Ware!;loQsE!'pe~~$(OnlliCE!ii's;(fOr a~~6rt DYes D No D NlA

~ientS)f C" "'-::~4r
i OC of DepartmenfOf ,E;[lvironmegti GOB (for ne~fclient) DYes D No D NlA
I -
Resume of sponsors DYes D No D NlA
I

, ata Collettion Checklist (s';;hgf'a<tesh Bank Requirement) DYes D No D NlA

inancial Spread$heet '(last3yea;s:"in case of fresh term loan, for DYes D No D NlA
he tenor Jttie proposed Ioao)

Copies of originali\9a,ncl'~11 '" DYes D No D NlA.

-
Portfolio review/ Early Alert
DYes D No D NlA
Call Report DYes D No D NlA

i Latest Inspection Report on Stock & Book Debts

DYes D No D NlA
Property Valuation/ Revaluation Report DYes D No D NlA
PNW statement of Directors/Guarantors
DYes D No D NlA
CIB Report DYes D No D NlA
Others
DYes D No D NlA

Name of Relationship Manager with Signature:

Designation:

Credit Instruction Manual (Appendices) : Eastern Bank Limited Page 58 of 123

Appendix - 4.7(b):
Credit Memorandum (CM).
MODULe::A:.BORROWf;,RBACKGRc5UND(HISTORY'
Include vintaqe. location. leqal status. listinq with stock exchanqes. acquisitions. merqers. proiect. factory. machinerv etc.

MODOLE':"S:oWNERSHIP/ORgANIZATION'
BORROWERINFORMATIONSHEET
BOARD OF DIRECTORS/ PARTNERS/ SOLE PROPRIETOR:

%
NAME & ADDRESS AGE NATIONALITY
OWNERSHIP

DECLARATION OF RM REGARDING PERSONAL NET WORTH:

. "" ...~F

A' ~.. ~~~~~

MODULE-C: CORPO~tE' OBJI;CTIVI=/STRETAGY
.~:..........---

"jk ,4i/,,~~
MO!)OL'::"!): A~"tIYI1[!IS~k~~Q~t~!:A!i!)J~!Af!~l;r

(I)ACTIVITIES,.., ....if,,7
Major business abt~itjes oMhlfcustomer &""9roup
Iii) PRODUC;rS
Major pj-odUCts')andproqjJc! wise sales, rated capacity, attainable capacity, present capacity utilization, etc.

liiil SUPPLIERS
Trade TermS(9ash,Cre'dit) with suppliers who together supply 80% or more. Their name, location, years of relationship is
to be highlighted"" .

livl BUYERS
Percentage of sales made through SLC, ULC, Cash, Trade Credit. Name, location, years of relationship is to be
highlighted.

Ivl MARKET
Market share of the customer, demand dynamics, distribution network, etc.

For commodity financing (including ship breaking) request, RM shall provide up to date information on price movement on
the commodity in the international & local market, price checking with competition and/or other customer s with EBL,
landed cost, duty structure etc.

Credit Instruction Manual (Appendices) : Eastern Bank Limited Page 59 of 123

 .
MODULE:'" E: CRITICAL-SUCCESS
FACTOR
.
Is there any factor which is critical for the success of the business, e.g. cash incentive, preferential trade treatment,
specific compliance issues, etc.

MODULE - F: CcrMPEJ1TORS
Indicate local & global completion, entry & exit barriers, competitive advantage (if any). Care should be taken of the
implications of a "shrinking world" and "single market" concept.

MODULE'::'
"ww.., '.,..~., ,,,%,,,,,~S__~
G:TR1GGEtf
POINTS
""..""".._'f.' _'W' ',",'_""'V_

Indicate which changes in the internal & external environment may deteriorate the business, and put appropriate
covenant for timely flagging of such risk triggers.

MODULE H: MANAGEMENT, -
t-tU.MANRESOURCES & LABOR , .. . " '" < </ ,., , , ... .. .~- ..

NAME I AGE I
NUMBEROF
POSITION I YEARSWITHTHE
COMPANYRM"'}3.G""...
NUMBER0,,"' TOTAL
Y§~~WIT H ,~EXPERIEN
. . , CE
Name the key persons

in the marketing, production,

sourcing, finance & accounts,
involved ".

'",
.

....
.. ~ ~"';'. '\.
...

~c. ~~
. .....

~ ," w ",t)i.
'.:;~.:/~
" . . . ,... '
Relationship
succession Managers
etc. comment on the management IikE,!"streng,tb!~IN~kn.~~sJj't;;.apatjm(y
~
of second line management,
...

MODULE -1.:F1.~ANC'A~§l.IMMAijY(§PTi00i5)
Type of Financial ' : AO~lted':~ Management
Date 31.12;2005 31.12.2006 30.06.2007
Total Sales
Sales Growth

Gross Profit (%)

NPBT(%)
Net Profit (%)
NCAO

CAD&
Total-Debt

Net Wohh
~.

Leverage (x)
DSCR

Receivables (days)
Payables (days)
-
Inventory (days)
Cash Conversion Cycle

Net Working Capital

Current Ratio
Quick Ratio

Contingent Liability

Comment of RM on financials:

Type of Flnanclals: Audited/Management/Projected

Credit Instruction Manual (Appendices) : Eastern Bank Limited Page 60 of 123

 Name of Auditor:

QualifiedJUngualified:
Sales:

Profitability:
Receivables:
(AQinQof Receivables)

Up to 90 days
91 to 180 days
181 to 360 days
Above1 year
TOTAL

Inventory
(AQinQ of inventories)

Up to 90 days
91 to 180 days
181 to 360 days
Above 1 year
TOTAL

liQuidity & Cash Conversion Cycle:

LeveraQe & DSCR):

Cash flow:

Conclusion:

customer at least coverinQ loan tenor.

"",<",";,,'W"-~ .,

MODULE - J.:PERFO
(I) IMPORT PERFORMANCE(US$'OOO)
Year 1 Year 2 Year 3
Tota~IIJIPort LC opened'(a!ht:>anks)

Impor1"LC 0RE.\Q~a~tbfough
,;,II'!"'- ,. .~ Eat;:
Percenta'ge.iof import tlirough EBL

(II) Export PERFORMANCE

(US$'OOO)
Year 1 Year 2 Year 3
Total export value
Export through EBL
Percentage of export through EBL
EBLshare (%) on WC requirement
% of Export (total) against sight LC
% of Export against maximum 90 days usance LC
% of Export against 91-120 days usance LC
% of export against 121-180 days usance LC
Export Proceeds realized through EBL
Export Proceeds realized through other banks
Total Export proceeds realized

Credit Instruction Manual (Appendices) : Eastern Bank limited Page 61 of 123

 (III) . Account Performance (BDT'OOO)

TOTAL
CASA A/C Overdraft NC CC(Hypo) AlC
(aIlNG)
Account Number
Credit Summation
Debit summation
Maximum Balance
Minimum Balance
Limit Turnover Times (for
CC, OD)
MODULE - K: LlABI.LlTYOSfTlbN OF THE CUSTOMERWITt:!OTHER Fls(DT'OOO) .
Name of FI Type of Limits Outstanding as on Security
Facility

....

. ...
"
..... ..,
MODULE - L: CIB REPORT - GROUP (BDT'OOO)
Dated: D9t
... '..... ......,
--;,#,
Overd
Overdue Amount "'.,; ue
Amount (O/S) CIB Status CIB'Stats
(Amount) 50/S) (Amo
. .- unO
Funded Limits J"
FundedOut standings
" ..... , ,
T.'

-
Non Funded Limits . . -
Non FundedOut
standings -
Total Limits , ..
Total Out standings
NOTE / COMMENTS on CIB/ Bank Renor / a all Renort::

Note: Please mention total funded we outst'anqjng of the group'as per CIB repot & relate it to group sales (ratio of group
sales to group WG)
.... ,

MODULE - M: GROUP IN.FORMATION

. (BDT'OOO)
Nam e of
Year Natureo( Net Credit
Net
Estab .....§als" Outstanding BanklFI
Company Buiness Profit Worth Limits
lished "

..

MODULE - N: ANALYSIS OF RISK

(I) SUMMARY OF KEY RISKS
Key Risk Issue Mitigates
List some key risk factors like, cancellation of Comment on the possible mitigates of such risks; there could
preferential treatment. distributorships, contract; sales be no direct mitigate of such risk.
concentration, late shipment, succession, etc.

(II) BUSINESS RISK

Risk Issue Agree Disagree Comments/Mitigates
1 Industry that company operates in has a positive
outlook in next 3-5 years.
2 No seasonality/cyclicality of Demand
3 Customer's competitive position in the industry is
stable/favorable.

Credit Instruction Manual (Appendices) : Eastern Bank limited Page 62 of 123

 4 No major change in the products, buyers,
suppliers, geographical markets.
5 Product obsolescence is not a risk.

6 Stocks can be easily disposed under normal

business circumstance.
7 Currency fluctuation have not affected the
competitiveness of companv's products
Any other Comments and SWOT analysis of the customer.

(III) MANAGEMENT RISK

Risk Issue Agree Disagree Comments/Mitigates
1 No senior/key management and ownership
chances ,
,..
2 Key managementis experiencedwith positivetrack
record ,..'>
3 No adversereport have been received on the ",'Y' ."'.' )
company/keymanagement/owners/directors.
4 No key man risks. ,) , .""'/£Iv /.!!I.
5
6
7
No succession issues.
Companyquality of MIS is acceptable.
No significant labor issues. ..
....tij
....
'.}¥

,';.
,'"
.f'
"'"
,,\,,
'"
A.
v

Any other Comments:

... '''''
,""""",

)j '.. ."".!O.
(IV) FINANCIAL RISK
Risk Issue Agree Disagree Comments/Mitigates
7'0.
1
Sales turnover
year...... has not declined from Pj$ilious
2 Gross Margin have improved/re!1tain cQi)istenti
from the last accountincvear" .'..... ,.,\ ."

3 NCAO is positive and suffi9ii)t'to serviceiQtr!:J.st,

, CPLTO. ..
4 No material deterioratidl:'lJh.the Cash'06nversion
Cycle. ' . F
5 Gearing & Levete£norQcreaSing.in
last three yearS. . "'A.",
6 There is n9;frfis"match ofqpding ($tltTetfi1
fundi na forlona term asset's).
7 No dividendpaen.\ixcess of 50% and/or
wi.thdrawal of dlrcrs' loan.

a 9dut sfreaming/aotreaming
iJ!!lated partiesyja inter.pmpany
of funds to
loans etc.
9 ( N? dirslqi;l;.o(;ftn2s forcig"brchasingassets not
telated.:.to'Core business.
1 No material chang"e'n Accounting Policy/Audit
o report is.Qualified.,,
Any other ComrJ'le6ts:

(V) FACILITY STRUCTURE RISK

Risk Issue Agree Disagree Comments/Mitigates
1 No issue with KYC
Facilities are structured in line with cash
2
Conversion CycielTransaction Cycle.
3 No other lenders have reduced banking facilities.
Any other Comments:

Credit Instruction Manual (Appendices) : Eastern Bank Limited Page 63 of 123

 (VI) ECURITYRISK
,
Risk Issue Agree Disagree Comments/Mitigates

1 I Inventary, as a primary security are nat

, perishable.
2 i are enfarceable.
All charges created an the assets af the custamer

3 No.deteriaratian in security value in the last ane

vear.
4 No.change in directars'/sharehalder's suppart.
5 EBL is nat in an inferiar security pasitian vis-a-vis
ather banks
Any ather Camments:

(VII) ACCOUNT PERFORMANCE RISK

Risk Issue Yes No. N/A Comments (If response Is 'NO')
1 No.breaches af advised cavenants & canditians 2,""

2 No.breachesaf unadvisedcavenants & canditians

3 SecuritylDocumentatianhas been perfected . ,
..
4 No.past due liability far 30 days ar less ...
..
5 No.histary af past due aver 30 days '.
"
6 No.late payment af Term Laan aver 15 days in
last ane vear - . ",
7 Interesthas been serviced pramptly - "
8 No.hard care averdraft(Average utilizatianis
mare than 90%) . '-.\
-
"
9 Barraweris nat in EAR in last 6 manths
....
10 Incurrencepalicy is valid - -
11 Auditedfinancialsare nat mare than 12 mantt:!.::;
aid . - .
12 No. adverse litigatian against the bart0vier ""-
/directar fawner /Quarantar. ..
13 No.adverse credit check framc.Pther fils
14 No.adverse trade check frOf1'}the maret,.,
, _ v
MODULE':"0: ACCOUNTPROFITABILllY (BDT'OOOr-
. " Actual In last 12
Particula(. manths Prajected In next 12 months

Fees/Nanfunded'incame (Aj(Jl{clude"e*ce,gain)
Funded/lnteresfIn6Qrne(B)
Tatallncame(A + B) -
Average appraximate funded autstanding @

aperatiOO'(D
Aveage cajtafflJnd
. fl),percentage
,. including cast af
Tatal Cast af fund, absalute value (E = D X C)

Net Incame IF. = A + B'- E)

Effective Rate af Return an funded Facility G = F/C

MODULE - P: RECOMMENDATION & SIGNATURES

Recommended Supported Supported

Relationship Manager Unit Head/BDM Business! Area

Head
----- -
Note: Some modules of the CMhave been filled-in as example using hypothetical data and statements.

Credit Instruction Manual (Appendices) : Eastern Bank Limited Page 64 of 123