Reasons for delay, if any, in present Renewal / Review

PROPOSAL

Trade Name

Constitution

Details of Proprietor / Partner / Directors :

Age Relationship Interse

FORWARDING-CUM-APPRAISAL REPORT FOR TRADE ADVANCES

Corporation BankH.O. MANGALORERef. No.................................................BRANCHTo : The ZM / AGM / DGM / GM DateZONAL OFFICE / HEAD OFFICE

Nature of Proposal (Use ) Fresh Review/Renewal Addl. Limit / Enhancement

Date of last Review / Renewal

Health CodeAssigned ( )

Asset Classification Borrower Gradation Applicability of

SCC Directive

Yes / No

Details of Credit Limits / Sought Nature of Limit Existing Limit ProposedLimit

Name & Address of the present Banker(s)of applicant (Applicable for Fresh Proposls)

Location of the Shop / Office

Date of establishment Since when dealing with us

SI. No. Name of the Proprietor / Partner / Director

Associate / Sister concerns

Nature

A P P L I C A T I O N

Since when dealing with us

Main Line of business

Ancillary business, if any

Whether the Applicant / Proprietor / Partner / Director/ Trustee is related to any of our employees?

Yes No

S U R E T Y

Name of the Guarantor (s)

Line of Business / Profession

Annual Income Rs.

Net worth Rs. As per the Net worth Statement submitted

Liability, if any to our Bank

For the year ended / ending as on (Rs. in Lakhs)

B A C K G R O U N DComment on the experience of the applicant in the line of trading activity and on their market reputation. In the case of existing client, comment on the conduct of the account(s). A brief description of any other matter of importance for considering the proposal may be furnished here.

W O R KI N G

R E S U L T S

Performance Parameters

....................Actuals

....................Actuals

Net Sales

% of growth in Net Sales

Purchases

Purchases as % of Sales

Gross Profit

Gross Profit / Turnover Ratio

Net Profit After Tax

Net Profit / Turnover Ratio

Cash Accruals

Stock Retention Period (Days)

S. Debtors to sales (days)

Creditors to Purchase (days)

Source of long term funds

Capital

Tangible Net worth

Unsecured Loans

Term borrowings

Total

Application of Funds

Fixed Assets

Non-Current Assets

Net working capital

Total

Current Assets

Cash & Bank Deposits

Stock in hand

Receivables

Trade Advances

Total

Current Liabilities

W O R KI N G

R E S U L T S

Comments on Turnover (with specific reference to achievement / non - achievement and reasons therefore for the turnover projected at the time of last assessment) / Profitability :

F I N A N C I A L

I N D I C A T O R S

Bank Borrowings

Sundry Creditors

Advances from Customers

Other Current Liabilities

Total

Current Ratio

Comments on adequacy of long - term funds and liquidity :

F I N A N C I A L

I N D I C A T O R S

O U R

C O M M E N T S

Project Turnover Method Permissible Bank Finance Method

C O N D U C T

O F

T H E

A C C O U N T

Resume of accounts (Furnished in Annexure)

(Comment on - utilisation of limit / routing of turnover / Income earned / excesses allowed and ratification thereof / disqusting features like retun of cheques for want of funds etc.)

Rectification of Inspection Irregularities (IAD / Statutory Audit / RBI Inspection) : (Furnish dates of Inspection Report and Position of rectification)

Value of the Account :

ASSESSMENT OF WORKING CAPITAL AND JUSTIFICATION FOR SANCTION : (for detailed guidelines refer H.O. Circular 122/2001 dt 04.04.2001

ADDITIONAL DATA - PBF METHOD

Parameters Amount

Terms & Conditions Suggested I II

CC (Hyp)

1. Projected Turnover

2. Gross Working Capital (25%of Projected Turnover)

3. Less

4. Borrowers Margin Min. of 20% of Proj. Turnover or Proj. NWC whicher is higher

5. PBF [(2)-3]Break up of limits a CC (Hyp)b CC (B.D.)c Bills

Total

Sales

Gross Profit

Cost of Sales

1. Closing Stock

2. Sundry Debtors less than 6 months

3. Advance to suppliers

4. Other Current Assets

5. Total Curr. Assets - A (1 to 4)

6. Sundry Creditors

7. Other current LiabsTotal Cur. Liabs - B8. Working Cap. Gap-C (A-B)

9. Less :NWC (Acual / Proj.) - D

10. PBF

Inventory LimitA StockLess MarginEligible CC (Hyp) LimitBook Debt Limit

B. Debtors upto .............daysLess MarginEligible CC (BD) Limit

C. Bills LimitTotal Limit(Not to exceed PBF)

Stock to COS (No. of days) Debtors to sales (No. of days)Creditors to Purchases (No. of days)NWC to TCA (%)

Bk. Borrowing to TCA (%) Sundry Creditors to TCA (%) OCL to TCA (%)

The projected NWC should not be less than 25% of WCG and adequate to ensure a minimum current ratio of 1:25:1Note : It shall be ensured that the turnover projected by the Borrower and accepted for assessment is in tune with the past trend / reasonable assumptions based on which project turnover is worked out / accepted shall be clearly indicated in your comments here below

Comments :

R E C O M M E N D A TI O N S Nature of Limit Extent of Limit Purpose Margin

Rate of Interest Security Repayment PeriodRepayment Holiday Amount of EMI Guarantor (s)

Other Conditions, if any

CC (BD)

R E C O M M E N D A TI O N S Nature of Limit Extent of Limit Purpose Margin

Rate of Interest Security Repayment PeriodRepayment Holiday Amount of EMI Guarantor (s)

Other Conditions, if any

O T H E R

D E T A I L S

Credit Investigation conducted and report is enclosed Yes No Details furnished by the Applicant / Guarantor / s verified and found correct Yes No Confidential opinion from the Applicant’s present banker(s) Obtained Not Obained Copy of the Dealership / Agency / Agreement and Lease Deed Rent Receipt Obtained Not ObainedNo Due Certificate / No objection Letter from other banks Obtained Not Obained

Sanctioning Authority as per the delegation of lending powers.

Date Officer / Sub - Manager Manager

SANCTION ORDERS / COMMENTS * OF THE BRANCH - IN - CHARGE

NATUREOFFACILITY 21 DIGIT CODE

1. Running Accounts

Limit Sanctioned

Debit Summation

Credit Summation

Maximum Debit Balance

Minimum Debit Balance

Average Debit Balance

No. of days the account was in credit

Maximum Credit Balance

No. of Cheques returned unpaid for want of funds

Interest earned

Balance outstanding as on ..............

2. Purchase / Discount of Cheques / Bills DBC / BDD

Limit Sanctioned

No. of Cheques / Bills Purchased / Discounted

Total Amount

* In case the proposal does not fall within the delegated powers of the Branch - in - charge the space may be used to record comments / forwarding remarks.

Branch - in - Charge

R E S U M E

O F

U T I L I S A T IO N

O F

C R E D I T

Maximum Outstanding

Minimum outstanding

No. of days usually taken for realisation

No. of times excesses were allowed

No. of Cheques returned unpaid for want of funds

Interest earned

Balance outstanding as on .................

3. Fixed / Terms Loans D L

Limit sanctioned

Date of disbursement

Repayment holiday

Highest Liability

Lowest liability

Whether instalments are paid regularly

Date of Re-Scheduling if any

Interest earned

Balance outstanding as on .................

Instalments in arrears

Amount of interest in arrears Rs.

Limit Sanctioned No. Amount No.

BGs issued

BGs cancelled

BGs outstanding as on ................

Maximum Liability

Minimum Liability

Commission earned

BGs invoked, if any

Balance O/s in Protested Bills A/c.

5. Deferred Payment Guarantees No. Amount 6. Current Account

Limit Sanctioned Credit Summation

DPGs issued Debit Summation

Maximum Liability Maximum Credit balance

R E S U M E

O F

U T I L I S A T IO N

O F

C R E D I T

R E S U M E

O F

U T I L I S A T IO N

O F

C R E D I T

R E S U M E

O T H E R

L I M IT S

4. Bank Guarantees Secured BGS Partly Secured BGS

R E S U M E

O T H E R

L I M ITS

Minimum Liability Minimum Credit balance

Bal. O/s as on .......................... Average credit balance

Instalments paid by the Bank

Balance O/s in Protested Bill A/c Maximum debit balance

Commission earned

Due date of the DPG

R E S U M E

O T H E R

L I M ITS

No. of days the A/c. was in debit

No. of Cheques returned unpaid for want of funds

Reasons for delay, if any, in present Renewal / Review

PROPOSAL Rs in Lakhs

Details of Proprietor / Partner / Directors :

Relationship Interse

Fresh Review/Renewal Addl. Limit / Enhancement

Applicability of

SCC Directive CMA Reporting Method of Lending

Yes / No PTM / PBF

ProposedLimit

O/s. Balance Overdue if any

Type of Account

Networth Dt. of N.W.St.

Nature Extent

Yes No

As per the Net worth Statement submitted

For the year ended / ending as on (Rs. in Lakhs)

Comment on the experience of the applicant in the line of trading activity and on their market reputation. In the case of existing client, comment on the conduct of the account(s). A brief description of any other matter of importance for considering the proposal may be furnished here.

.................... .................... Actuals / Provisional

.................... Estimates

Comments on Turnover (with specific reference to achievement / non - achievement and reasons therefore for the turnover projected at the time of last assessment) / Profitability :

Comments on adequacy of long - term funds and liquidity :

Permissible Bank Finance Method

AmountActual Actual Project

(Comment on - utilisation of limit / routing of turnover / Income earned / excesses allowed and ratification thereof / disqusting features like retun of cheques for want of funds etc.)

Rectification of Inspection Irregularities (IAD / Statutory Audit / RBI Inspection) : (Furnish dates of Inspection Report and Position of rectification)

(for detailed guidelines refer H.O. Circular 122/2001 dt 04.04.2001

ADDITIONAL DATA - PBF METHOD

II III

Stock to COS (No. of days) Debtors to sales (No. of days)

Bk. Borrowing to TCA (%) Sundry Creditors to TCA (%)

The projected NWC should not be less than 25% of WCG and adequate to ensure a minimum current ratio of 1:25:1Note : It shall be ensured that the turnover projected by the Borrower and accepted for assessment is in tune with the past trend / reasonable assumptions based on which project turnover is worked

CC (BD) DBC / BDD

Credit Investigation conducted and report is enclosed Yes No Details furnished by the Applicant / Guarantor / s verified and found correct Yes No Confidential opinion from the Applicant’s present banker(s) Obtained Not Obained Copy of the Dealership / Agency / Agreement and Lease Deed Rent Receipt Obtained

No Due Certificate / No objection Letter from other banks Obtained Not Obained

21 DIGIT CODE

DBC / BDD SBD / BE LRDS

* In case the proposal does not fall within the delegated powers of the Branch - in - charge the space may be used to record comments / forwarding remarks.

D L D L S T L

No. Amount No. Amount

6. Current Account

Credit Summation

Debit Summation

Maximum Credit balance

Partly Secured BGS Unsecured BGS

Minimum Credit balance

Average credit balance

Maximum debit balance

No. of days the A/c. was in debit

No. of Cheques returned unpaid for want of funds