XIM - Credit Appraisal
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Transcript of XIM - Credit Appraisal
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CREDIT APPRAISALCREDIT APPRAISAL
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INTRODUCTIONINTRODUCTION
A decision as to the creditA decision as to the credit
worthiness of a proposalworthiness of a proposalarrived at afterarrived at after
considerin a co!"inationconsiderin a co!"ination
of factorsof factors
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Introd#ction contd$%%Introd#ction contd$%%
The factors to "e loo&ed into are 'The factors to "e loo&ed into are '
The co!pan() the Pro!oters andThe co!pan() the Pro!oters andtheir "ac&ro#ndtheir "ac&ro#nd
Perfor!ance and *inancials of thePerfor!ance and *inancials of theco!pan(co!pan(
Ris& Assess!ent of the ProposalRis& Assess!ent of the Proposal PricinPricin
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Introd#ction contd$%%Introd#ction contd$%%
+, Co!pliance of the -an&.s Loan+, Co!pliance of the -an&.s Loan
polic(polic(
/, Appraisal of Ter! Loan/, Appraisal of Ter! Loan
0, Assess!ent of 1or&in Capital0, Assess!ent of 1or&in Capital
2, Ter!s and Conditions of sanction2, Ter!s and Conditions of sanction
3, Other Iss#es relevant to Sanction 4to3, Other Iss#es relevant to Sanction 4to
"e f#rnished as Anne5#res to the"e f#rnished as Anne5#res to the
Appraisal,Appraisal,
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6% The co!pan() the Pro!oters6% The co!pan() the Pro!oters
and their "ac&ro#ndand their "ac&ro#nd
a,a, Address and Location of the co!pan(%Address and Location of the co!pan(%",", Na!es and Addresses of the pro!oters7Na!es and Addresses of the pro!oters7
directors%directors%
c,c, Details of share8holdin pattern of pro!oters7Details of share8holdin pattern of pro!oters7directors%directors%
d,d, Credit 9istor(Credit 9istor(e,e, -rief "ac&ro#nd of the co!pan(7 ro#p and-rief "ac&ro#nd of the co!pan(7 ro#p and
!anae!ent%!anae!ent%f,f, -rief details a"o#t Associates of the Co!pan(-rief details a"o#t Associates of the Co!pan(,, -rief write #p on the ind#str( 7 sector and the-rief write #p on the ind#str( 7 sector and the
co!pan(.s standinco!pan(.s standin
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:% Perfor!ance and *inancials:% Perfor!ance and *inancials
of the co!pan(of the co!pan(
Act#al for previo#s : (ears 4for e5istinAct#al for previo#s : (ears 4for e5istin"#siness,) Esti!ates for C#rrent ;ear and"#siness,) Esti!ates for C#rrent ;ear andPro
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>% Ris& Assess!ent>% Ris& Assess!ent
a)a) Internal Credit RatingInternal Credit Rating
b)b) External Credit RatingExternal Credit Rating
c)c) Compliance with Banks Risk ManagementCompliance with Banks Risk ManagementDepartment (RMD) Adisories on the sectorDepartment (RMD) Adisories on the sector
d)d) Cond!ct o" Acco!nt ("or existing acco!nts)Cond!ct o" Acco!nt ("or existing acco!nts)
e)e) Reiew o" #erm $oan ("or existing acco!nts)Reiew o" #erm $oan ("or existing acco!nts)
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Ris& Assess!ent contd$%%Ris& Assess!ent contd$%%
f,f, Sec#rit( CoveraeSec#rit( Coverae
,, 1arnin sinals7#nattended !a
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@% Pricin@% Pricin
a,a, Inco!e anal(sisInco!e anal(sis
",", Other -an&s.7*Is. pricinOther -an&s.7*Is. pricin
c,c, Proposed pricinProposed pricin
d,d,#stification#stificationfor concession infor concession inpricin) if an(pricin) if an(
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+% Co!pliance of the -an&.s+% Co!pliance of the -an&.s
Loan polic(Loan polic(
a, Search Report on whether na!es ofa, Search Report on whether na!es ofpro!oters) directors) co!pan( andpro!oters) directors) co!pan( and
ro#pro#pconcerns fi#re in defa#lters 7 willf#lconcerns fi#re in defa#lters 7 willf#ldefa#lters list of R-I and CI-ILdefa#lters list of R-I and CI-IL
", Deviation fro! -an&.s Loan polic(", Deviation fro! -an&.s Loan polic(
#idelines#idelinesc, #stifications for ta&in e5pos#re onc, #stifications for ta&in e5pos#re on
the co!pan( with deviations) if an(the co!pan( with deviations) if an(
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/% Appraisal of Ter! Loan/% Appraisal of Ter! Loan
a,a, P#rpose of Ter! LoanP#rpose of Ter! Loan
",", Be( Pro
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Appraisal of Ter! LoanAppraisal of Ter! Loan
contd$%contd$%, Approvals and Clearances, Approvals and Clearances
h, I!ple!entation Sched#leh, I!ple!entation Sched#le
i, Dis"#rse!ent Sched#lei, Dis"#rse!ent Sched#le
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0% Assess!ent of 1or&in0% Assess!ent of 1or&in
CapitalCapital
a, Inventor( and Receiva"le levela, Inventor( and Receiva"le level
",", Assessed -an& *inance 4on an( of the >Assessed -an& *inance 4on an( of the >!ethods!ethods
8 Pro
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2% Ter!s and Conditions of2% Ter!s and Conditions of
sanctionsanction
a,a, Sec#rit(Sec#rit(
8 Pri!ar( sec#rit(8 Pri!ar( sec#rit(
8 Collateral sec#rit(8 Collateral sec#rit(", #arantee", #arantee
c, arins for the Credit *acilitiesc, arins for the Credit *acilities
d, Ins#ranced, Ins#rancee, Inspection of the Unite, Inspection of the Unit
f, Covenants of sanctionf, Covenants of sanction
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3% Other Iss#es relevant to3% Other Iss#es relevant to
SanctionSanction4f#rnished as Anne5#res to the Appraisal,4f#rnished as Anne5#res to the Appraisal,
a,a, *#t#re Plans and -#siness potential*#t#re Plans and -#siness potential
",", Ret#rns on Capital ChareRet#rns on Capital Chare
c,c, D#e dilience detailsD#e dilience details
d,d, -rief details on Associates-rief details on Associates
e,e, Cond#ct of Acco#nts 4in last 6:Cond#ct of Acco#nts 4in last 6:!onths, for e5istin #nits!onths, for e5istin #nits