Allied Bank Limited

BY

MUHAMMAD IMRAN SIDDIQUEAllied Bank LtdLENDING PRODUCTS & SECURITIES

AGENDAENHANCE UNDERSTANDING ON:-

ROLE OF A BANK

TYPES OF BANKS

TYPES OF LENDING PRODUCTS OFFERED BY BANKS

SECURITIES AGAINST EACH PRODUCT

TYPES OF BANKSCOMMERCIAL BANKS

ISLAMIC BANKS

INVESTMENT BANKS

AGRICULTUTAL BANKS

COMMUNITY BANKS/ MICROFINANCE BANKS

DEVELOPMENT FINANCIAL INSTITUTIONS (DFIs)

NON BANKING FINANCING INSTITUTIONS (NBFIs)

TYPES OF BANKSCOMMERCIAL BANKS

ISLAMIC BANKS

INVESTMENT BANKS

AGRICULTUTAL BANKS

COMMUNITY BANKS/ MICROFINANCE BANKS

DEVELOPMENT FINANCIAL INSTITUTIONS (DFIs)

NON BANKING FINANCING INSTITUTIONS (NBFIs)

NATURE OF LENDING PRODUCTS FUND BASED FACILITIES

NON FUND BASED FACILITIES

CATEGORIZATION OF LOANS SHORT TERM LOANS (UP TO ONE YEAR)

MEDIUM TERM LOANS (1-5 YEARS)

LONG TERM LOANS (5-10 YEARS)

BIFURCATION OF LOANSCORPORTAE LOANS

COMMERCIAL & RETAIL LOANS

CONSUMER LOANS

Product NomenclatureWorking Capital FacilitiesTerm LoansPre-Shipment Export FinancePost-Shipment Export FinanceImport Facilities-Sight Import Facilities- UsanceLetter of GuaranteesProduct ProgramsAgricultural FinanceLending to Financial Institutions (Treasury Managed Products)Islamic Finance

TYPES OF SECURITIESPRIMARY SECUIRITY

SECONDARY SECURITY (COLLATERAL)

Working Capital FacilitiesFacility NameFull DescriptionPrimary SecuritiesRFRunning FinanceHypothecation charge on Stocks, Receivables, Current Assets of the companyCFCash FinancePledge of stocks.ERF Export Refinance Part IIHypothecation charge on Stocks, Receivables, Current Assets of the companyCOFCommodity Operations FinanceHypothecation charge on Stocks, Receivables, Current Assets of the company with GOPs guarantee Bridge LoanBridge LoanMortgage / Charge on the assets financed through Term Loan / Consortium Finance / Bridge Finance

Term LoanFacility NameFull DescriptionPrimary SecuritiesTLTerm Loan (Maturity Greater than 1 year)Mortgage / Charge on the assets financed through Term LoanSyn TLSyndicated Term LoanLFLease Finance for Plant & Machinery, Automobiles, Home AppliancesSpecific charge on leased assetsLMMFLocally Manufactured Machinery FinanceSpecific charge on finances assetsLTF-EOPLong Term Finance for Export Oriented ProjectsMortgage / Charge on the assetsTFCTerm Finance CertificateCharge on assets

Pre-Shipment Export FinanceFacility NameFull DescriptionPrimary SecuritiesFAPCFinance Against Packing CreditHypothecation of stock backed by export L/C or firm contractERF-I (Pre)Export Refinance - Part I, Pre-ShipmentFCEF (Pre)Foreign Currency Export Finance, Pre-Shipment

Post-Shipment Export FinanceFacility NameFull DescriptionPrimary SecuritiesERF-I (Post)Export Refinance - Part I, Post-ShipmentLien on export bills (Export Bills Sent on collection Basis)FAFEBFinance Against Foreign Export Bills (Post Shipment Own Sources)FCEF (Post)Foreign Currency Export Finance, Post ShipmentIBPInland Bills PurchasedAccepted Inland / foreign Bills PurchasedIBDInland Bills DiscountedAccepted Inland / foreign Bills PurchasedFBPForeign Bills PurchasedFBNForeign Bills NegotiatedSecurity charge on current/fixed assets of the company as per arrangements.FBDForeign Bills DiscountedFADDFinance Against Discrepant Documents

Sight Import Facilities - Non FundedFacility NameFull DescriptionPrimary SecuritiesLC Sight (Foreign)Letter of Credit - Sight (Foreign)Lien on import documents LC Sight (Local)Letter of Credit - Sight (Local)LC Sight - One-Off (Foreign)Letter of Credit - Sight (One-Off, Foreign)LC Sight - One-Off (Local)Letter of Credit - Sight (One-Off, Local)SBLC - Sight (Foreign)Standby Letter of Credit - Sight (Foreign)SBLC - Sight (Local)Standby Letter of Credit - Sight (Local)SBLC - Sight - One-Off (Foreign)Standby Letter of Credit - Sight (One-Off, Foreign)SBLC - Sight - One-Off (Local)Standby Letter of Credit - Sight (One-Off, Local)

Sight Import Facilities - FundedFacility NameFull DescriptionPrimary SecuritiesFIMFinance against Imported MerchandisePledge of imported goods.

FATRFinance against Trust ReceiptHypothecation of imported consignment delivered against acceptance/TR backed by collaterals.FCIF Foreign Currency Import FinanceLien on import documentPADPayment Against DocumentsShipment documents

Usance Import Facilities - Non FundedFacility NameFull Description Primary SecuritiesLC Usance (Foreign)Letter of Credit - Usance (Foreign)Lien on import documents with Bill of ExchangeLC Usance (Local)Letter of Credit - Usance (Local)Lien on import documents with Bill of ExchangeLC Usance - One-Off (Foreign)Letter of Credit - Usance (One-Off, Foreign)Lien on import documents with Bill of ExchangeLC Usance - One-Off (Local)Letter of Credit - Usance (One-Off, Local)Lien on import documents with Bill of ExchangeSBLC - Usance (Foreign)Standby Letter of Credit - Usance (Foreign)Lien on import documents with Bill of ExchangeSBLC - Usance (Local)Standby Letter of Credit - Usance (Local)Lien on import documents with Bill of Exchange

Letter of GuaranteesFacility NameFull DescriptionPrimary SecuritiesLG Customs, Utilities, Govt AgenciesLetter of Guarantee Customs, Utilities, Govt AgenciesCounter Guarantee + Cash margin LG - Bid Bond, Performance, Advance PaymentLetter of Guarantee Bid Bond, Performance, Advance PaymentCounter Guarantee + Cash marginLG - FinancialFinancial GuaranteeCounter Guarantee + Cash marginLG - ForeignForeign GuaranteesCounter Guarantee + Cash marginUCUnderwriting CommitmentCounter Guarantee + Cash marginLG - ShippingShipping GuaranteeCash Margin

Product programsFacility NameFull DescriptionPrimary SecuritiesHF Housing FinancePG + Mortgage of propertyPL Personal LoanPGCCCredit CardPG

Agriculture FinanceFacility NameFull DescriptionPrimary SecuritiesProduction LoanProduction Loan, Revolving Credit Hypothecation of stockDevelopment LoanAgri Farm Development Loan, Fisheries, Poultry, Cattle FarmingHypothecation of stock, Tractor LoanTractor LoanLien on Tractor documentsTube Well LoanTube Well LoanLien on Tube Well Machinery

Lending to Financial Institutions(Treasury Managed Products)Facility NameFull DescriptionClean Bank PlacementClean Bank PlacementsCOICertificate of InvestmentsLOPLetter of PlacementFC PlacementForeign Currency PlacementsR-RepoReverse Repurchase Agreement

Islamic FinanceFacility NameFull DescriptionSecuritiesMudarabahMudarabahAgreement of Financing with charge on assetsMusharakahMusharakahAgreement of Financing with charge on assetsMurabahaMurabahaAgreement of Financing with charge on assetsMusawamahMusawamahAgreement of Financing with charge on assetsIjarahIjarahAgreement of Financing with charge on assetsIjarah-Wal-IqtinaIjarah-Wal-IqtinaAgreement of Financing with charge on assetsBai-MuajjalBai-MuajjalAgreement of Financing with charge on assets