Chainging business strategy of Banking Indrustry of Bangladesh.

Recent years following changes observed in Bangladesh Banking Indrustry:

01. Lending rate is on falling trend it now comes in single digit.
02. Corporate borrower prefers foreign currency loan/OBU and it is raising sharply. Different foreign organization/banks are financing through local banks as per international pricing.
03. Market becomes highly competitive. As such profit margin ratio is marginal.

Required Documents/check list to process/approval of Credit/Loan proposal of Corporate/SME

Among others following documents/information is necessary for approving credit limit favoring the client

SL. No.	Particulars
1	Trade license
2.	TIN (Tax Identification Number)
3	VAT No.
4.	Environmental Clearance Certificate
5.	Compliance of BB Circular regarding finance against building/Project.
6	CIB Report.
7	CRGS (with limit utilization and checklist)
8	FSS & Financials
9	Credit Report
10	Membership Certificate from Business body
11	RJSC certified Certificate of Incorporation (new client - In case of limited company)
12	MOA/AOA
13	Partnership Deed (In case of Partnership firm)
14	RJSC Search Report (In case of limited company)
15	Call Report /Visit Report
16	Stock Inspection Report/Receivable Statements.
17.	Projected Financials
18	Client’s Application/request letter.
19.	Board Resolution (In case of limited company)
20	RJSC Certified copy of Form XII & Schedule X (For new client)
21	Resume of sponsors
22	Property valuation report / revaluation report
23	Personal Net worth Statement
24.	PAU Visit Report
25.	Project profile
26.	Las 12 months PD history
27.	Last 12 months EOL History & Rescheduling & Restructuring history.
28.	Credit Summation  analysis of last 12 months (compared to turn over in same period,  proportion of our WC facilities to any others in a multi bank situation),
29.	Stock (plus receivables) movement analysis over the last   12 months. This can be based on stock report but at least two of the stock reports must have stock inspections (where applicable) near the stock report date. An analysis should be there to compare the inspection report findings and the stock report
30.	Margin buildup status against acceptance.
31.	Details of production process with tide up period in each cycle
32.	Group information  (financial/ liability position etc)
33.	Total WC requirement of the client (in case of WC  finance) with break up.