FOR FRESH / NEW PROPOSAL

(PAPERS TO BE SUBMITTED/ ENCLOSED)

BY BANK:
1.

FORWARDING

2.

FL-60 (in prescribed form)

3.

FL-56: HYPOTHECATION OF STOCKS

4.

ACCOUNT STATEMENT ( OF PREVIOUS ONE YEAR )

5.

DECLARATION OF LIABILITY FROM THE BANK

6.

PHYSICAL VERIFICATION REPORT

7.

VALUATION CERTIFICATE

8.

OTHER BANKS OPINION

9.

CERTIFICATE OF OBTAINING OF PARTICULARS

10. CIB FORM (in prescribed form)

BY THE BORROWER:
1.

APPLICATION OF THE BORROWER

2.

FL-59 (in prescribed form)

3.

HYPO OF STOCKS FROM THE BORROWER

4.

PROFIT-LOSS & BALANCE SHEET STATEMENT

5.

LIABILITY DECLARATION IN THE BORROWERS PAD

6.

PERSONAL NET WORTH (in prescribed form)

7.

CONSENT LETTER OF CO-SHARER ( IF ANY )

8.

PHOTOGRAPHS

PHOTOCOPY:
1.

SHOP RENT RECIEPT / COPY AGREEMENT

2.

RENT RECEIPT OF THE LAND

3.

INCOME TAX CERTIFICATE

4.

MUNICIPAL TAX RECIEPT ( IF IN THE MUNICIPAL AREA)

5.

TRADE LICENSE

6.

PHOTOCOPY OF TITLE DEED, BIA-DEED, MUTATION PARCHA (WITH DCR)

7.

LEGAL OPINION FROM BLA

8.

COPY OF NON-ENCUMBENT CERTIFICATE

9.

COPY OF SATISFACTION CERTIFICATE FROM THE BLA

40

FOR RENEWAL/ ENHANCEMENT PROPOSAL

(PAPERS TO BE SUBMITTED/ ENCLOSED)
BY BANK:
1.

FORWARDING

2.

FL-60 (in prescribed form)

3.

FL-56: HYPOTHECATION OF STOCKS

4.

ACCOUNT STATEMENT ( OF PREVIOUS ONE YEAR )

5.

DECLARATION OF LIABILITY FROM THE BANK

6.

PHYSICAL VERIFICATION REPORT

7.

VALUATION CERTIFICATE

8.

CERTIFICATE OF OBTAINING OF PARTICULARS

9.

CIB FORM (in prescribed form)

BY THE BORROWER:
9.

APPLICATION OF THE BORROWER

10. FL-59 (in prescribed form)

11. HYPO OF STOCKS FROM THE BORROWER
12. PROFIT-LOSS & BALANCE SHEET STATEMENT
13. LIABILITY DECLARATION IN THE BORROWERS PAD
14. PERSONAL NET WORTH (in prescribed form)
15. CONSENT LETTER OF CO-SHARER ( IF ANY )
16. PHOTOGRAPHS
PHOTOCOPY:
1.

SHOP RENT RECIEPT / COPY AGREEMENT

2.

RENT RECEIPT OF THE LAND

3.

INCOME TAX CERTIFICATE

4.

MUNICIPAL TAX RECIEPT ( IF IN THE MUNICIPAL AREA)

5.

TRADE LICENSE

6.

PHOTOCOPY OF TITLE DEED, BIA-DEED, MUTATION PARCHA (WITH DCR)

7.

LEGAL OPINION FROM BLA

8.

COPY OF ENCUMBENT CERTIFICATE

9.

COPY OF SATISFACTION CERTIFICATE FROM THE BLA

10. COPY OF PREVIOUS SANCTION LETTER

41

PUBALI BANK LIMITED

APPLICATION FOR ADVANCES
(FOR INDIVIDUALS AND FIRMS)

Sl. No. .....................................

........................................ Copy

Photo

Date .......................................

The Assistant General Manager

Pubali Bank Limited
Nawabpur Road Branch
Dhaka
Dear Sir,
I / We request you to kindly grant / renew / enhance / extend me / us an advance in the
form of Cash Credit / Overdraft / Demand Loan / Bank Guarantee amounting to
Tk. ......................... (Taka .........................................................) on usual terms and
conditions. I / We state the following particulars and bind myself / ourselves to furnish
you with any other information & comply with required formalities which you may at
any time require:-

1. (a) Name of the applicant / firm

(in block letter)

:-

(b) Fathers name & age of the applicant

(in case of individual)

:-

(c) Name, age and official status of

husband if the applicant is a lady

:-

2. (a) Business address with phone no.

if any.

:-

(b) Present residential address

:-

3. Name / style of the A/c. and Number

with date of opening with the Branch.

:-

4. Nature of the applicant (individual/

proprietorship/ partnership firm)

:-

5. Permanent address with fathers /

husbands name of individual/

:-

42

proprietor / partners.
Details of assets held with value

Name and Fathers / husbands name

Comprising of

a) Mr. ....................................................
S/o. ...................................................
Address: ...........................................
.........................................................

Value

i)
ii)
iii)
iv)
Less Liabilities
Net Worth

Tk. ............................
Tk. ............................
Tk. ............................

Contd. ..................... P/2

Page No. 2
b) Mr. ....................................................
S/o. ...................................................
Address: ...........................................
.........................................................

i)
ii)
iii)
iv)
Less Liabilities
Net Worth

c) Mr. ....................................................
S/o. ...................................................
Address: ...........................................
.........................................................

Tk. ............................
Tk. ............................
Tk. ............................

i)
ii)
iii)
iv)
Less Liabilities
Net Worth

6. Nature of Business
(Whole Seller/ Retailer/
Manufacturer)

:-

7. Capital (own investment)

:-

8. Borrowing powers (in case of

partnership firm).

:-

43

Tk. ............................
Tk. ............................
Tk. ............................

a) Copy of partnership deed

(to be attached)

b) Copy of decision taken for the

proposed loan / advance duly signed by
all the partners (to be attached).
9. a) Name & address of other bankers &
borrowing, if any, from them with
full particulars of Credit facility
b) Name and address of the previous
Bankers, if any

:-

10. G.I.R. No. / T.I.N. No.

:-

:-

11. Trade licence No.

12. How long in the particular business or
industry
13. Purpose for which the facility is required

::-

14. Items of manufacture or trade

:-

15. Amount of facility required

:-

16. Mode of repayment

:-

Contd. ..................... P/2

Page No. 3
17. Nature of security offered

a) Description of stocks to be pledged /

hypothecated

:-

b) Full description of immovables

offered for mortgage with location,
Area & nature of construction &
Present market value/ estimated
forced sale value

:-

c) Name & Fathers/ husbands name

of the owner of property proposed to
be mortgaged.

:-

44

d) Relationship of the owner of the

property with the borrower

:-

18. Property of the firm

:-

19. a) Name of the guarantor(s) if any

Details
a) Movable

Value
Tk. ...........................

b) Immovable

Tk. ...........................

:-

b) Fathers name

:-

c) Present occupation

:-

d) Present Address

:-

e) Permanent address

:-

20. Present financial position of guarantor

:-

List of Assets
Comprising of

Value of Asset

i)
ii)
iii)
iv)
Tk. ..........................

21. Liabilities of sister concerns (if any)

22. Present liabilities in different accounts

Contd. ..................... P/3

45

Less liabilities with

other guarantees
Net worth

Tk. ..........................
Tk. ..........................

a) with our bank

b) with other bank

a) with our bank

b) with other bank

Page No. 4
22. i) Net worth as per last years balance
sheet dated ............... or statement of
affairs dated .............. (to be enclosed)

:-

ii) Last years total purchase/ productions

:-

iii) Last years total sales

:-

iv) Last years total gross/ net profit/ loss

:-

24. Others relevant particulars, if any

:-

25. Declaration :
I/

We

........................................................................

W.o.

...............................................................

S.o./

permanent

resident

of ............................................... P.S. / Thana .......................... Dist .......................... by

occupation
faith

..................................................................

.........................................................

at

Present

carrying

by
on

business

of .................................................................................... on proprietorship/
basis

under

the

partnership

name

and

style ................................................................................................ ......................................

..........................
Thana

at

............................................................................

...................................................

Dist

.........................................

do

P.S./
hereby

solemnly on oath declare and affirm as follows:1. That I/ We have not taken any loan or enjoyed any facility in my/ our personal name
or in the name of my/ our proprietorship/ partnership firm from any other branch of
Pubali Bank Ltd. or any other Commercial Bank save and except as stated under 9 (a)
& (b) above.

46

2. That the statement made above is true and nothing has been concealed and if at any
time it transpires that I/ We have suppressed fact regarding availing of a loan facilities
from the bank, I/We shall be criminally liable.

Date: ..................................

...................................

..........
SIGNATURE
(Price of each set in quadruplicate is Tk.35/- only
for individual & Tk.100/- for firms).

N.B. : Original and Duplicate to be forwarded to H.O. by branch through

Regional Office
.

with proposal. Triplicate to be kept with the branch while the 4 th copy is for

applicant.

47

F.L.-60 (REVISED)

PUBALI BANK LIMITED

(CREDIT PROPOSAL AND APPROVAL FORM)

MOHAMMADPUR BRANCH, DHAKA

Branch Ref. No. ................................................................................................
Regional Office Ref. No. ..................................................................................
01. Customers Name

Date....................................
Date....................................

02. Account No.

03. Date of a/c
opened
04. Date of first
sanction

:
:
:

05. Address with phone no.

Present Address
:

Permanent Address

Factory/ Business

06. Legal Status

: Individual/ Proprietorship/ Partnership/

Private Limited Company/Public Limited Company

07.
Date
of
Establishment/
............................................................................................................

Incorporation

G.I.R./
TIN
No...................................................................................................................................................
08. Name of the Proprietor/ Partners/ Directors:
Age

Name & Residential address with

Fathers/ Husbands name & Phone No.

Share
holding in %

Position

Personal Net Worth

(details attached)
Tk.
Tk.
Tk.

09. Capital structure :

a)
For Limited Companies:
Authorized Capital
Paid-up Capital
Total Capital Funds (Net worth)
b) For Individuals, Proprietorship & Partnership:
Investment in Business (Net worth)

48

:
:
:

Tk.
Tk.
Tk.

Tk.

Contd.-.........................Page no.-2

PAGE NO. -2
10. (a) Nature and details of Business/ Products:

(b) Market/ Place of business/ Areas of main operation:

(c) Sales:

Sales

Actual Sales
2004

2003

Products

Tk.

Tk.

2005
Tk.

Estimated Sales
2006
Tk.

Total Sales
11.

(a) PRESENT PROPOSAL

(Fresh/ Renewal/ Enhancement)

Nature of facilities

Existing Limit
Amount of
Date of
Outstandin
Limit
expiry

Cash Credit (Pledge)

Cash Credit (Hypo)
Overdraft
Loans
LIM
LATR
Packing Credit
Export Bill Purchased
(F.B.P.)
Inland Bill Purchased
(I.B.P.)
L/C (Sight)
L/C (Usance)
Back to Back L/C
Bank Guarantee
49

Date of application by the

Customer...............................
(Amount in Taka)
Proposed Limit
Limit
Limit
Expiry
approached recommfor
ended

Others (Specify)

TOTAL
Enclose: Indent/ Proforma Invoice where applicable. For L/C, LIM & LATR proposal, amount of
Duty, VAT etc. Landed cost & approximate market price to be mentioned.

Contd.-.........................Page no.-3
PAGE NO. -3
11. (b) Credit facilities granted to subsidiary/ affiliates/ associates/ sister companies with
extent of interest of the applicant borrower:
Name of the Borrower
Nature of
Limit
Outstanding Expiry
Security/
Extent of
facilities
collaterals share holding

11. (c) Details of other business of the applicant not included in 11(b) above:
Name of the Business/ Firm
Nature of
Extent of
Business
share holding

Investment in the
Business
(in Taka)

11. (d) Total Facilities (Limit) in favour of the group:

( in Taka)

Existing
Cash
Contingent
12.

:Tk.
:Tk.
Tk.

.
.

Proposed
(Fresh/ Enhancement)
:Tk.
:Tk.
.
Tk.
.

Total
:Tk.
:Tk.
Tk.

Particulars of the proposed limit:

(a) Purpose of the Limit:

12. (b) Securities

(i) Details of Primary Securities

Value

50

.
.

(ii) Details of Collaterals (As per valuation certificte in details attached herewith)

Total Value of Collaterals

Tk. .................................

Tk.

....................................

Force

Sale

Value

12. (c) Repayment arrangement:

Contd.-.........................Page no.-4
PAGE NO. 4

13. (a) Account performance:

( for the period from ................................... to ............................... )
(in Taka)
Nature of Account

Debit
Summation

Credit
Summation

Balance
Maximum

Minimum

Deposit Accounts
C/C (Pledge)
C/C (Hypo)
Loans
Overdrafts
Margin Deposits
LIM/ LATR/ PAD*
Total L/Cs opened (Foreign)
Total L/C opened (Local)
Total Guarantee issued

Nos.
Nos.
Nos.

Tk.
Tk.
Tk.

Total Foreign Bills purchased

Total Inland Bills purchased
(*Detailed statement should be attached)

Tk.
Tk.

13. (b) Account Profitability: (For the same period as above)

Nature of Account
Interest
Commission
Deposit Account
Margin Account
Cash Credit
Loans
Overdrafts
Export Bills
Import L/Cs

51

Other revenue

Total

Local L/Cs/ Gtee

Collection/ Remitt.
Others (Specify)
TOTAL
14. History of Relationship with the Customer:
(How and when the relationship started?/ State if the repayment/ adjustment have been
regular etc.)

Contd.-.........................Page no.5
PAGE NO. 5

15. Bank/ Trade checking/ CIB report (Brief Synopsis).

16. Opinion on Customers Management:

(Education, Training background and past experience of key Management Personnel to be
mentioned.)

17. Other Bankers, Extent of relationship, facilities available, outstanding etc.:

Name of the Bank
Name of the Customer
Nature Validity
Security
& Branch
of
Value
facility

18. Industry Condition:

(How others in the same business/ industry are doing,

52

Outstanding

Status of account
(Whether classified
or regular)

name of 2/3 Leading Companies)

19. Competitive position of the Customer:

(Pricing/ Marketing/ Special Advantage and any other)

20. Any adverse comments from Last Inspection/ Audit Report. (Our Bank & Bangladesh
Bank)

21. Future Business Projection:

22. If there is any Guarantor, details of Guarantors Background, Net worth and Liabilities
with the
Bank.

Contd.-.........................Page no.6
PAGE NO. 6

23.(a) Comments on the financial statements for the last 3 (three) years:
(State whether audited or unaudited)
Name of the Audit Firm if a/cs are audited:
SALES/ PROFITABILITY:

Audited/
Unaudited
2003

Audited/
Unaudited
2004

Audited/
Unaudited
2005

Sales
Cost of Goods Sold*
GROSS PROFIT
Selling General, Admin,
Financial Expense & Depreciation
OPERATING PROFIT/ LOSS
Add Other Income
Less: Other Expenses
Net Profit/ Loss before Income Tax

Tk.
Tk.
Tk.

Tk.
Tk.
Tk.

Tk.
Tk.
Tk.

Tk.
Tk.
Tk.
Tk.
Tk.

Tk.
Tk.
Tk.
Tk.
Tk.

Tk.
Tk.
Tk.
Tk.
Tk.

Income Tax

Tk.

Tk.

Tk.

53

NET PROFIT/ LOSS after Income Tax

Tk.

Tk.

Tk.

INVENTORY/ RECEIVABLES:
Inventory/ stock in trade
Receivables

Tk.
Tk.

Tk.
Tk.

Tk.
Tk.

EQUITY:
Assets
Tk.
Tk.
Tk.
Liabilities
Tk.
Tk.
Tk.
Equity (= Assets minus Liabilities)
Tk.
Tk.
Tk.
* For trading Firms Cost of Goods sold to be ascertained as under:Costs of goods sold = Opening stocks + Purchase + Carriage inward/ Freight Closing stock
CASH FLOW:
Net Profit
Depreciation + Write offs
Accounts Payable Incr./ (Decr.)
**
Receivables (Incr.) / Decr.
***
Inventory (Incr.) / Decr.
****
Other (Uses) / Sources
NET OPERATING CASH FLOW

2004

2005

Tk.
Tk.
Tk.

Tk.
Tk.
Tk.

Tk.

Tk.

Tk.

Tk.

Tk.
Tk.

Tk.
Tk.

** If the Current years figure is higher than previous years figure then the difference amount is
increase in cash flow & vice versa.
*** If the Current years figure is higher than previous years figure then the difference amount is
decrease in cash flow & vice versa.
**** If the Current years figure is higher than previous years figure then the difference amount is
decrease in cash flow & vice versa.

Contd.-.........................Page no.7
PAGE NO. 7

23. (b) Important Ratios:

2005
i) Current Ratio

ii) Quick Ratio

iii) Leverage

iv) Inventory Turn

over in days

2003
Current Assets
Current Liabilities

Current Assets Inventory

Current Liabilities

Liability

=
=
=

Equity

365 X Inventory
Cost of Goods Sold

54

2004

v) Receivables Turn
over in days
vi) Total Assets
Turn over
vii) Gross Profit to
Sales
viii) Net Profit to
Sales
ix) Selling, general,
& Admn.
Expenses to sales
(%)
x) Return on Equity
(%)

:
:
:
:
:
:

365 X Receivables
Sales

Net Sales
Total Assets

Gross Profit X 100

Sales

Net Profit X 100

Sales
Selling General &
Admn. Expenses X 100
Sales

Net Profit X 100

=
=
=
=
=
=

Equity

Please enclose Balance sheet, Trading/ Manufacturing & Profit and Loss Account of the applicant
firm/ company for the last three years.
24. Details of Fixed Assets with valuation:
(For Limited Companies search be made with Registrar of Joint Stock Companies to Ascertain
any encumbrances)
Value
Date / Year
Encumbrance if
Description
Written down as per
Acquired
any
Market
Balance Sheet

25. Any special consideration/ significant information about the customer/ transaction:

Contd.-.........................Page no.8
PAGE NO. 8

26.

(a)
(b)
(c)

All procedures in respect of opening of account have been complied

with
All necessary documents establishing the borrowers legal entity have
been obtained
Existing Securities/ Banking documentations and collaterals with their
valuation have been checked and they are in order
55

YES / NO
YES / NO
YES / NO

(d)
(e)
(f)
(g)

Documents establishing that proposed advance is within authorisation

and borrowing powers of the applicant have been obtained.
All assets offered as security/ collateral have been verified to be free
from all encumbrances.
Security documents as prescribed have been obtained/ will be obtained
alongwith complete set of borrowing documents
The borrower is a director/ shareholder of our Bank, if yes, the extent
of share holding (value Tk. ...................................... )

26. RECOMMENDATION OF BRANCH MANAGER:

AUTHORISED OFFICER

MANAGER

Name:

Name:

Designation:

Designation:

(Separate sheets may be attached to give detailed information for any column)

28. RECOMMENDATION OF REGIONAL OFFICE:

AUTHORISED OFFICER

REGIONAL MANAGER

Name:

Name:

Designation:

Designation:

56

YES / NO
YES / NO
YES / NO
YES / NO