Input: Output

Business CRM
CIB Analyst Call Report
Application ID Proposal
Borrower & Guarantor Details CRG
Bank Details Sanction
Asset Details
Exposure Details
Vehicle Details
Income
Loan Structuring
Exception To PPG
Individual:

Role Send Date Loan Type Company Name

Borrower 7/23/2018 Auto Loan N/A

Co-borrower 7/23/2018 Auto Loan N/A

Proprietorship Business:
Proprietorship Send Date Loan Type Tenure
Company

Partnership/Company:
Limited Send Date Loan Type Tenor
Company

Home
Designation Tenure Installment Size Request Amount

Landlord 60 68,091 2,800,000

Landlord 60 68,091 2,800,000

Installment Amount Request Amount Company Title Company Name

Installment Amount Total requested COMPANY TITEL COMPANY NAME

amount
 CIB

Applicant's Title Applicant's Name Father’s Title Father’s Name

Md. Mostufigur Rahman Mohiuddin Ahmad Sunder

Mohiuddin Ahmad Sunder Late M.A.Kuddus

District Company Address Postal Code Country

Legal form TIN Registration Registration Date

no
Mother’s Title Mother’s Name Husband’s Title Husband’s Name

Hosne Ara Begum

Late Tarjiban Nesa

Business type Applicant Title Applicant Name Father’s Title

District: Main address data Main Postal Code Country

address data
National ID No. TIN Date of birth Gender
(DD/MM/YYYY)

3313060926303 190103507574 1/1/1986 Male

3313060926391 12/8/1949 Male

Father’s Name Mother’s Title Mother’s Name Husband’s Title

District: Additional address Postal Code Country

data
District of birth Country of Birth District

Dhaka Bangladesh Dhaka

Dhaka Bangladesh Dhaka

Husband’s Name National ID No. TIN

Main address data Postal Code Country

Vill# Konabari,Kuddus Nagar,P.O# Konabari,Gazipur Sadar,Gazipur 1346 Bangladesh

Vill# Konabari,Kuddus Nagar,P.O# Konabari,Gazipur Sadar,Gazipur 1346 Bangladesh

Date of Birth (DD/MM/YYYY) Gender District of Birth

District Additional address data Postal Code Country

Dhaka Vill# Konabari,Kuddus Nagar,P.O# Konabari,Gazipur Sadar,Gazipur 1346 Bangladesh

Dhaka Vill# Konabari,Kuddus Nagar,P.O# Konabari,Gazipur Sadar,Gazipur 1346 Bangladesh

Country of District Main address Postal Code

Birth data
Identification document data ID type ID number ID issue date

Country District Additional Postal Code

address data
ID issue country Status Request found Request found
for Loan for Card

Country Identificati ID type ID number ID issue ID issue Status Request

on date country found for
document Loan
data
Request
found for
Card
 Application ID Creation

Date of Application : 23/07/2018

Product Name : Auto Loan
Borrower Name (A/C:) : Md. Mostufigur Rahman & Mohiuddin Ahmad Sunder
Relationship with LBFL : New Borrower
Loan Amount : 2,800,000
Interest Rate : 16.00%
Tenure : 60
Branch : Uttara
PMO Name (Code) : Md.Alauddin (Aut-1340)

Name of RO : M.I. Ispahani

Name of BM : Salauddin Wahid Adnan
Refered By :
CMS No. :

Home
 Borrower& Guarantor Details
Name Role Date of Birth Profession Organization Designation Current Length Total Length of CIB Date of CIB
of Service (Year) Service (Year) Status (DD/MM/YYYY)
Md. Mostufigur Rahman Borrower 01/01/1986 Landlord N/A Landlord
Mohiuddin Ahmad Sunder Co-borrower 08/12/1949 Landlord N/A Landlord

Other Information of Borrower:

Residential Address : Vill# Kathgora, Dewanpara, P.O# Zirabo, Office/Mailing Address: : Vill# Kathgora, Dewanpara, P.O# Zirabo, Ashulia,
Ashulia, Savar, Dhaka Savar, Dhaka

Residential Status : Own Email Address :

No. of years in current : By birth Mobile No : 01713-541958
residence
Marital Status : Married Number of Dependant : 2
Is spouse Employed? : Relation with PG/Co-App. : Father

Business Profile/Professional Details of Borrower:

Mr. Md.Mostufigur Rahman is a Land lord.His Birth place is konabari Gazipur sadar Gazipur.He is proprietor of chairmanbari.He earn from this place average Monthly is BDT-947800/=per Month.
Mr Mohiuddin Ahmed Sunder is father of the Applicant.He is joint applicant in the proposed facility. Mr mostufigur is existing client of lankabangla finance ltd.He availing a term loan of lankabangla
finance ltd,amount is BDT- 14,500,000/= which monthly payment is BDT-322569/=

Home
 Bank Details

SL Bank Name Type of Account Account Number Account Title Transaction Period YCTO (Million) Profit Margin
1 Sonali Bank Limited Current 4506002172071 Md.Ali Azam Dewan 19-03-2017 to 27-06-2018 7.98 ###
###
###
###
Total 7.98 ###

Home
Assets:
Particulars Details Amount
Cash 1,500,000
Bank Balance 1,000,000
Investment in Business
Land & Buildings 1 Bigha Land located at Ambag, Konabari 35,000,000
Land & Buildings :
Land & Buildings :
Others : Gold+Furniture+Electric Equipment 10,000,000
Total 47,500,000

Home
 Exposure Details
Liabilities with LBFL
Type of Facility Account No. Branch Sanction EMI Size EMI Due EMI Paid Overdue Outstandings
Amount/Limit

Overdue Note :

Liabilities with Other Banks/NBFIs:

Bank Name Type of Facility Sanction EMI Size Interest Rate Overdue Outstandings
Amount/Limit

Overdue Not :

Home
 Security-1 Security-2

Vehicle Details (Auto Loan): Vehicle Details (Auto Loan):

Vendor Name : Easy Power Ltd Vendor Name :
Brand Name : Toyota Brand Name :
Condition : Re-Conditioned Condition :
Vehicle Type : SEDAN Vehicle Type :
CC : 1500 CC :
Model : Honda Vezel Model :
Model Year : 2015 Model Year :
Number of Unit : 1 Number of Unit :
Chasis No : Chasis No :
Verified Price (BDT) : 3,200,000 Verified Price :
Registration Type : Jointly Registration Type :

Additional Security:
TDR (Amount) : Home
Income
Existing REMARKS:
Business Income : -
Renatal Income : 947,800
Salary income of Applicant :
:

Total Income : 947,800

Home
 Loan Structuring

Type of Facility : Auto Loan

Applied Loan Amount : BDT 28,00,000
Interest Rate : 16.00%
Tenure : 60
Payment Mode : Arrea Basis
Number of Advanced Rental
Documentation & Processing Fee : 1.00%
Delinquent Charge : 4.00%
Prepayment Fee 2.00%
Transfer Fee : 5000 for each vehicle
Disbursement Mode :

Home
Any Exception To PPG :

Exception Authority
Exception Details & Basis of :
Recommendation

Home View Proposal Call Report

 Call Report of Auto Lease/Loan
Type of Facility : Auto Loan
Source of Client : Md.Alauddin (Aut-1340)
Name of RO : M.I. Ispahani
Name of BM : Salauddin Wahid Adnan
Branch : Uttara
01. Details of Applicant:
Name of Applicant : Md. Mostufigur Rahman & Mohiuddin Ahmad Sunder
Age : 36 Years
Name of Organization : N/A
Designation : Landlord
Office Address : Vill# Kathgora, Dewanpara, P.O# Zirabo, Ashulia, Savar, Dhaka
Email Address : 0
Mobile No : 01713-541958
Length of Current Service : 0 Years
Total Length of Service : 0 Years
Present Address : Vill# Kathgora, Dewanpara, P.O# Zirabo, Ashulia, Savar, Dhaka
Residential Status : Own
Number of Dependent : 2 Person(s)
02. Financing Terms: 1 unit Re-Conditioned Toyota Honda Vezel, Model Year-2015, 1500
Vehicle Details : CC

Facility Amount : BDT 28,00,000

Price of Vehicle : BDT 3,200,000/-
Lien of TDR in favor of LBFL : N/A
LTV : #VALUE!
Interest Rate : 16.00% p.a.
Tenure : 60 Months
No. of Advance Rental : N/A
Doc. & Processing Fee : 1.00% On disbursement amount plus 15% VAT (Best Effort Basis)
Prepayment Fee : 2.00% On prepayment amount
Delinquent Charge : 4.00% Above prevailling interest rate
03. Assets: Amount in BDT
Particulars Details Amount
Cash 1,500,000
Bank Balance 1,000,000
Investment in Business
Land & Buildings 1 Bigha Land located at Ambag, Konabari 35,000,000
Land & Buildings
Land & Buildings
Others Gold+Furniture+Electric Equipment 10,000,000
Total Assets 47,500,000
04. Liabilities:
04.1 Liability Positions of Applicant with LBFL:
Type of Facility Santion Amount EMI EMI Due EMI Paid Outstanding

Total Liabilities 0 - -

04.2 Liabiltiy Positions of Applicant with Other Bank/FI(s):

Name of Bank/FI(s) Type of Loan Amount EMI Outstanding Remarks
Facility

Total Liabilities - - -

05. Net Worth of Applicant 47,500,000

06. Financials: Amount in BDT

Business Income : - Remarks
Renatal Income : 947,800
Salary income of Applicant :

Total Monthly Income : 947,800

Proposed EMI : #VALUE!
Other Financial Obligations : -
Total Financial Obligations : #VALUE!
Balance Income : #VALUE!
Installment to Income Ratio (IIR) : #VALUE!
Fixed Obligation to Income Ratio (FOIR) : #VALUE!

07. Security: Vehicle : Above stated Vehicle

PG : N/A

TDR : N/A

: 0
08. Exception to PPG:

09. Refered By : N/A

 Analyst
Name of Analyst : Md. Mostafizur Rahman
Approval Authority : HORC
Credit Reference: : HORC_Auto_344_300417
Proposal for sanction of auto lease facility of BDT 1.30 million may be approved
based on client porfile.

Observation :

0
Refered by :

Proposal Home

Sector Code : 911000 Purpose Code : 9820

 LankaBangla Finance Ltd.
Credit Proposal (Auto Loan)
Credit Reference : HORC_Auto_344_300417 Date : December 30, 1899
Approval Authority : HORC

#VALUE!
HORC :

A/C: Md. Mostufigur Rahman & Mohiuddin Ahmad CRG : #VALUE!

Sunder
Sector Code : 911000
ADDRESS: Eco. Purpose Code : 9820
Vill# Kathgora, Dewanpara, P.O# Zirabo, Ashulia, Savar, RO : M.I. Ispahani
Dhaka
BM : Salauddin Wahid Adnan
Interest Rate : 16.00%
Branch : Uttara
1. DETAILS OF APPLICANT/PG:
Role Name Organization Designation Age (Y) CIB Status Date of CIB
Borrower Md. Mostufigur Rahman N/A Landlord 36 30/12/1899 30/12/1899
Co-borrower Mohiuddin Ahmad Sunder N/A Landlord 73

1.1 BUSINESS/PROFESSIONAL DETAILS:

Mr. Md.Mostufigur Rahman is a Land lord.His Birth place is konabari Gazipur sadar Gazipur.He is proprietor of chairmanbari.He earn from
this place average Monthly is BDT-947800/=per Month. Mr Mohiuddin Ahmed Sunder is father of the Applicant.He is joint applicant in the
proposed facility. Mr mostufigur is existing client of lankabangla finance ltd.He availing a term loan of lankabangla finance ltd,amount is
BDT- 14,500,000/= which monthly payment is BDT-322569/=
2.0 VEHICLE DETAILS:
1 unit Re-Conditioned Toyota Honda Vezel, Model Year-2015, 1500 CC

3.0 FINANCING TERMS:

Facility Type : Auto Loan
Price of the Vehicle : BDT 3,200,000/-
Loan Amount : BDT 28,00,000
LTV : #VALUE!
Tenure : 60 months
Interest Rate : 16.00%
Installment Size : #VALUE!
Advance Rental : N/A
Payment Mode : Arrea Basis
Documentation & Processing Fee : 1.00% On disbursement amount plus 15% VAT (Best Effort Basis)
Early Settlement Fee 2.00% On prepayment amount plus 15% VAT
Delinquent Charge 4.00% Above prevailing interest rate
Transfer Price : 5000 for each vehicle
Disbursement Mode

4.0 SECURITY:
Lease Asset : Vehicle(s) to be duly registered and insured in favor of LBFL or jointly with applicant.
Personal Guarantee : N/A
Lien of TDR : N/A
i. PDCs for total number of installments covering the EMI of each disbursement.
ii. At least 1 UDC shall be obtain covering entire receivables in favor of LBFL.
Cheques : Or
DDI (Direct Debit Instruction) Forms duly filled up by the Applicant/Applicants along with
5 UDC segregating entire receivables in favor of LBFL
 LankaBangla Finance Ltd.
Credit Proposal (Auto Loan)
5.0 FINANCIALS OF APPLICANT:
Particulars Current Year Remarks
Business Income -
Renatal Income 947,800
Salary income of Applicant

Total Income (Monthly) 947,800

Proposed EMI of LBFL #VALUE!
Existing EMI -
Total Obligations #VALUE!
Balance Income #VALUE!
Installment to Income Ratio (IIR) #VALUE!
Fixed Obligation to Income Ratio (FOIR) #VALUE!

6.0 ASSET DETAILS OF APPLICANT:

SL. Particulars Details Amount (BDT)
1. Cash 1,500,000
2. Bank Balance 1,000,000
3. Investment in Business
4. Land & Buildings 1 Bigha Land located at Ambag, Konabari 35,000,000
5. Land & Buildings
6. Land & Buildings
7. Others Gold+Furniture+Electric Equipment 10,000,000
Total 47,500,000

7.0 LIABILITY POSITION OF APPLICANT:

7.1 LIABILITY POSITION OF APPLICANT WITH LBFL: ( New Borrower )
Type of Facility Account No. Sanction Limit EMI Size Due Paid Outstanding Remarks (OD)

Total - - -

7.2 LIABILITY POSITION OF APPLICANT WITH OTHER BANK(S): NIL

Bank Name Tpye of Facility Loan Amount EMI Outstanding Overdue Remarks

- - - -

8.0 PERSONAL NET WORTH OF APPLICANT: BDT 47.50 Million

9.0 EXCEPTION TO PPG: 0

10.0 CRM OBSERVATION:

Proposal for sanction of auto lease facility of BDT 1.30 million may be approved based on client porfile.
 LankaBangla Finance Ltd.
Credit Proposal (Auto Loan)
11.0 RECOMMENDATION:
#VALUE!

Recommended by: Approved/Rejected By:

Md. Mostafizur Rahman Arif Hasan

Credit Analyst Head of Corporate Credit
 CREDIT RISK GRADING - AUTO LOAN
Reference No.: HORC_Auto_344_300417 Date: 30-Dec-99
Borrower Md. Mostufigur Rahman & Mohiuddin Ahmad Sunder
Facility Amount BDT 28,00,000 Credit Risk
#VALUE! #VALUE!
Tenure 60 Score Grading
Interest Rate 16.00%
Branch Uttara
#VALUE!
Period of Financials Bank statement
Prepared By Credit Analyst
Approved By Head of Retail Credit
Risk Grade Grade Description Short Score
1 Superior SUP Fully cash secured
2 Good GD 85+
3 Acceptable ACCPT 75-84
4 Marginal/Watchlist MG/WL 65-74
5 Special Mention SM 55-64
6 Substandard SS 45-54
7 Doubtful DF 35-44
8 BL <35
Credit Risk Assessment Criteria Weight Parameter Score Actual Score Weighted
Value Obtained Score
A. Financial Risk
Less than 10% 100
10% to 20% 95
1. Fixed Obligation to Income Ratio 21% to 30% 85
20% #VALUE! #VALUE! #VALUE!
(FOIR) 31% to 40% 75
41% to 45% 65
More than 45% 35
High 100
2. Stability of Profession 5% Moderate 75 High 100 5
Low 35
Own 100
Family Owned 95
3. Residential Status of Applicant 15% Own 100 15
Govt./Company provided 85
Rented 65
Total Score- Financial Risk 40% #VALUE!

B. Personal Risk
More than 10 Years 100
6 to 10 Years 85
1. Current business/service length 5.0% 0 35 1.75
3 to 5 Years 75
Less than 3 Years 35
More than 10 Years 100
6 to 10 Years 85
2. Total business/service length 5.0% 0 35 1.75
3 to 5 Years 75
Less than 3 Years 35
25 yrs. to 30 yrs. 75
31 yrs. to 35 yrs. 85
36 yrs. to 40 yrs. 95
3. Age 2.5% 36 95 2.375
41 yrs. to 45 yrs. 100
46 yrs. to 50 yrs. 65
More than 50 yrs. 55
Married 100
4. Marital Status 2.5% Married 100 2.5
Single 65
Yes 100
5. Is spouse employed? 2.5% 0 65 1.625
No 65
No dependant 100
6. No. of dependant 2.5% 1 - 2 dependants 75 2 75 1.875
More than 2 dependants 65
Total Score- Management Risk 20% 11.88
C. Security Risk
Less than 50% 100
50% to 60% 85
1. Loan to Cost Ratio 10% #VALUE! #VALUE! #VALUE!
61% to 70% 75
More than 70% 35
Good 100
2. Marketability of security 10% Moderate 75 Good 100 10
Poor 35
Total Score- Security Risk 20% #VALUE!
D. Relationship Risk
Good 100
Moderate 75
1. Repayment record with LBFL 10% New Borrower 65 6.5
New Borrower 65
Poor 35
Good 100
2. Repayment record with other Moderate 75
10% New Borrower 65 6.5
lenders New Borrower 65
Poor 35
Total Score- Relationship Risk 20% 13.00
Grand Total - All Risk 100% #VALUE!
Ref. No :

Date :

Name : Md. Mostufigur Rahman & Mohiuddin Ahmad Sunder

Address Vill# Kathgora, Dewanpara, P.O# Zirabo, Ashulia, Savar, Dhaka

FINANCING ARRANGEMENT LETTER

Dear Sir/Madam,
We are please to offer you the following Auto Loan/Lease Facility under major Terms & Conditions on the basis
of your Applicantion Dated July 23, 2018

Vehicle Details : 1 unit Re-Conditioned Toyota Honda Vezel, Model Year-2015, 1500 CC

Lease/Loan Amount BDT 28,00,000

Lease/Loan Period : 60 Months
Interest Rate : 16.00% p.a.
Monthly Rental/EMI : #VALUE!
Proc. & Doc. Fee : 1.00% On disbursement amount plus 15% VAT
Early Settlement Fee : 2.00% On prepayment amount plus 15% VAT
Penal Interest Rate : 4.00% Above interest rate
Other Fees/Charges : Vehicle transfer fee BDT 5,000/- for each
Security: a. Registration and comprehensive insurance in favor of LBFL of Jointly with the applicant.
b. PG: N/A
c. i. PDCs for total number of installments covering the EMI of each disbursement.
ii. At least 1 UDC shall be obtain covering entire receivables in favor of LBFL.
or DDI (Direct Debit Instruction) Forms duly filled up by the Applicant/Applicants along with 5 UDC
segregating entire receivables in favor of LBFL.
Other Terms: a. Standard as per Lease Finance Facility Agreement
b. The interest & rental size may also be revised in the event of any significant changes in the cost of fund
at the discretion of LankaBangla Finance Limited.
c In case of takeover or early settlement of liabilities of the borrower all PDCs and UDCs will be destroyed
without any notice to customer. No physical PDCs & UDCs will be returned to customer. On demand we
may issue a certificate against destraction of the same.

Major documentation to be completed:

a. Lease Agreement
b. Authority to Complete Promissory Note, Cheques etc.
c. Demand Promissory Note & Letter of Continuity
d. Personal Guarantee (if any)
e. Others

In the event, the above terms and conditions are acceptable to you; please confirm your acceptance on the duplicate copy
of this letter. Please note that our approval of Car Lease is valid for 30 days from the date of issuance of this letter for your
acceptance.

Assuring you of our best services at all time

Yours faithfully

Authorized Signature Authorized Signature

Acceptance
I/We expressly agree to the above terms and conditions.
Signature of First Applicant Signature of Joint Applicant