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Dutch Bangla Bank Ltd

APPENDIX-C: CREDIT RISK GRADING SCORE SHEET

Reference No: Date: 17-oct-2006

Borrower: XYZ Ltd.

Aggregate Score: ___82______

Risk Grading: Acceta!"e

Gro# Na$e %if an&': N(A

Branch: Gulshan Branch

Industry/Sector: Export OrientedCoposite

!ate o" #inancials: )R*+,.,D

Copleted $y:

%ppro&ed $y:

N#$!er Grading S/ort Score

' Superior S() #ully cash secured* secured $yGo&ernent/International Ban+

Guarantee

, Good G! -

0 %ccepta$le %CC)1 23-4

4 5ar6inal/7atchlist 5G/7L 8324

Special 5ention S5 3848 Su$standard SS 434

2 !ou$t"ul !# 0344

- Bad 9 Loss BL 0

riteria eig/t)ara$eter

ScoreAct#a"

)ara$eterScore

*!tainedA inancia"Risk

304

'. Le&era6e: ;'uity ?atio ;@= 3 1ies1otal Lia$ilities to 1an6i$le

Aet orth

%ll calculations should $e$ased on annual "inancialstateents o" the $orroer;audited pre"erred=.

Less than .,@

.,8@ to .0 x

.08@ to . x

.'@ to .2 x

.28@ to '., x '.,8@ to ,. x

,.'@ to ,. x

,.'@ to ,.2 x

5ore than ,.2@

''4'0',

'''-2

< '0

,. Li>uidity: ;'

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Dutch Bangla Bank Ltd

4. Co&era6e: ;

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Dutch Bangla Bank Ltd

)ara$eter *!tained anage$entRisk

124

'. Experience;5ana6eent 9 5ana6eent1ea=

1he >uality o" ana6eent$ased on the a66re6ate

nu$er o" years that theSenior 5ana6eent 1eahas $een in the industry.

5ore than ' years in therelated line o" $usiness

H' years in the relatedline o" $usiness

'H years in the related line

o" $usiness Ao experience

0

,

'4 years

,. Second Line/ Succession ?eady Succession

Succession ithin '3, years

Succession ithin ,30 years

Succession in >uestion

40,

'3, years 0

0. 1ea 7or+ Jery Good

5oderate

)oor

?e6ular Con"lict

0,'

5oderate ,

.ota" Score-anage$entRisk 12 10

riteria eig/t)ara$eter

ScoreAct#a"

)ara$eterScore

*!tainedD Sec#rit&Risk

104

'. Security Co&era6e;)riary=

#ully pled6ed"acilities/su$stantially cashco&ered/?e6. 5ort6* "or BL

?e6istered ypothecation;'stchar6e/'st)ari passu char6e=

,

nd

Char6e/In"erior char6e Siple hypothecation/ne6ati&e

lien on assets.

Ao security

4

0

,

'

?e6d.ypo.

0

,. Collateral Co&era6e;)roperty Location=

?e6istered 5ort6a6e on5unicipal Corporation/)rie areaproperty.

?e6istered 5ort6a6e on)ourasha&a/sei3ur$an areaproperty

E>uita$le 5ort6a6e or Aoproperty $ut plant 9 achinery ascollateral

Ae6ati&e lien on collateral Ao collateral

4

0

,

'

?5 on)orasha&a

area

0

0. Support ;Guarantee= )ersonal 6uarantee ith hi6hnet orth or Stron6 CorporateGuarantee

)ersonal Guarantees orCorporate Guarantee ith a&era6e"inancial stren6th

Ao Support/Guarantee

,

'

, ,

.ota" Score- Sec#rit& Risk 10 8

Bangladesh Institute of Bank Management 104

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Dutch Bangla Bank Ltd

riteria eig/t

)ara$eter ScoreAct#a"

)ara$eterScore

*!tained,

Re"ations/iRisk

104

'. %ccount Conduct 5ore than 0 ;three= years

accounts ith "aultless record Less than 0 ;three= years

accounts ith "aultless record

%ccounts ha&in6 satis"actorydealin6s ith soe late payents

#re>uent )ast dues 9 Irre6ulardealin6s in account

4

,

4 4

,. (tiliation o" Liit ;actual/proKection=

5ore than 8