Lending under Consortium / Multiple Banking Arrangements

A. Details of borrowing arrangements from other banks
(institution-wise and facility-wise)

I.

Name and address of bank / institution

II.

Facilities availed

A.

Fund–based credit facilities

(Indicate the nature of facilities e.g. working capital / demand loan / term loan / short term loan) / foreign currency loan, corporate loan / line of credit / Channel financing, bill discounting etc. amount and the purpose)

B.

Non-fund-based facilities other than derivatives

(Indicate the nature of facilities e.g. L/C, BG, DPG (I & F) etc. amount and the purpose)

C.

Derivatives contracts entered into with the bank

(Indicate the nature of the contract, maturity, amount and the purpose)

III.

Date of sanction

IV.

Present outstanding

(In the case of derivatives contracts, negative MTM i.e which is not due for settlement may be indicated)

V.

Overdues position, if any

(In the case of derivatives contracts, the negative MTM i.e. amount payable to the bank under the contract but not yet paid may be indicated)

VI.

Repayment terms

(for demand loans, term loans, corporate loans, project - wise finance)

VII.

Security offered

(complete details of security both primary and collateral including specific cash flows assigned to project wise finance / loan raised & personal / corporate guarantee, to be furnished)

VIII.

Requests for facilities which are under process

[The information to be given for domestic and overseas borrowings from commercial banks, Financial Institutions and NBFCs]

(Rs. in crore)

I.

CPs raised during the year and current outstanding

II.

Details of financing outside banking system e.g. L/C Bills discounting

III

Amount of un-hedged foreign currency exposures( please give currency-wise position in the format given below)

(i)

Short term exposures (less than one year)

(a)

Long positions

(b)

Short positions

(c )

Net Short term Exposure (a-b)

(ii)

Long term exposures ( one year and beyond)

(a)

Long positions

(b)

Short positions

(c)

Net Long term exposure a-b)

(iii)

Overall Net Position (i-ii) for each currency

(iv)

Overall Net Position across all currencies

III.

Main and allied activities with locations

IV.

Territory of sales and market share

V.

Details of financial aspects incl. DSCR Projections wherever applicable as per requirement of bank - Imp. Financial covenants, if any, agreed to / accepted with other lenders.

VI.

CID A/Cs, within / outside financing Banks, being operated, if any

VII.

Demands by statutory authorities / current status thereof

VIII.

Pending litigations

IX.

A declaration authorizing the bank to share information with other financing banks

I.

Borrowing party's name and address

II.

Constitution

III.

Names of Directors / Partners

IV.

Business activity

*

Main 

*

Allied

V.

Names of other financing Banks

VI.

Net worth of Directors / Partners

VII.

Group affiliation, if any

VIII.

Date on associate concerns, if banking with the same bank

IX.

Changes in shareholding and management from the previous report, if any

I.

IRAC Classification

II.

Internal Credit rating with narration

III.

External Credit rating, if any

IV.

Latest available Annual Report of the borrower

As on ---------------

I.

Type of credit facilities, e.g. working capital loan / demand loan / term loan / short term loan / foreign currency loan, corporate loan / line of credit / Channel financing, contingent facilities like LC, BG & DPG (I & F) etc. Also, state L/C bills discounting / project wise finance availed).

II.

Purpose of loan

III.

Date of loan facilities (including temporary facilities)

IV.

Amount sanctioned (facility wise)

V.

Balance outstanding (facility wise)

VI.

Repayment terms

VII.

Security offered

*

Primary

*

Collateral

*

Personal / Corporate Guarantees

*

Extent of control over cash flow

VIII.

Defaults in term commitments / lease rentals / others

IX.

Any other special information like court cases, statutory dues, major defaults, adverse internal / external audit observations

Sr.No.

Nature of the derivatives Transactions

Notional Amount of contracts

Weighted -average maturity of contracts

Amount of positive MTM for the bank
(Not due for settlement)

Amount of contracts classified as NPA

Notional Amount of outstanding contracts which have been restructured

Major reasons for restructuring
(in brief)

A.

Plain Vanilla Contracts

1.

Forex Forward contracts

2.

Interest rate Swaps

3.

Foreign Currency Options

4.

Any other contracts
(Please specify)

B.

Complex derivatives including various types of option combinations designed as cost reduction/zero cost structures

1.

Contracts involving only interest rate derivatives.

2.

Other contracts including those involving foreign currency derivatives

3.

Any other contracts
(Please specify)

I

Short term exposures (less than one year)

(a)

Long positions

(b)

Short positions

(c )

Net short- term exposure (a-b)

II

Long term exposures ( one year and beyond)

(a)

Long positions

(b)

Short positions

(c)

Net long-term exposure (a-b)

III

Overall Net Position (I –II) for each currency ( Please give Overall Net Position in this format for each currency)

IV

Overall Net Position across all currencies

I.

Conduct of funded facilities (based on cash management / tendency to overdraw)

II.

Conduct of contingent facilities (based on payment history)

III.

Compliance with financial covenants

IV.

Company's internal systems & procedures

V.

Quality of management

VI.

Overall Assessment

(The above to be rated as good, satisfactory or below par only)

(*) Broad guidelines for incorporating comments under this head is furnished in the next page

Good

Satisfactory

Below Par

I.

Conduct of funded facilities

*

Over-drawings (No. of times)

Upto 4 times

5 to 6 times

Above 6 times

*

Average period of adjustment

Within 1 month

Within 2 months

Beyond 2 months

*

Extent of overdrawings (% of limit)

Upto 10%

10 to 20%

Above 20%

II.

Conduct of contingent facilities (Other than Derivatives)

*

No. of Defaults

Upto 2 times

3 to 4 times

Above 4 times

*

Average period of adjustment

Within 1 week

Within 2 weeks

Beyond 2 weeks

III

Conduct of Derivatives Transactions

*

No. of contracts where the positive MTM value due to the bank remained overdue for more than 30 days

<25% of total number of contracts

25-50% of total number of contracts

> 50% of total number of contracts

*

No. of contracts where the positive MTM value due to the bank remained overdue for more than 90 days and the account had to be classified as NPA ( but later on regularized and is not NPA as on the date of exchange of information)

Note: All cases where any of the contracts has been classified as NPA and continues to be NPA as on the date of the exchange of information should be shown as Below Par)

<1% of total number of contracts

1-5% of total number of contracts

> 5% of total number of contracts

*

No. of contracts restructured during the relevant period

<25% of total number of contracts

25-50% of total number of contracts

> 50% of total number of contracts

IV.

Compliance with financial covenants

*

Stock statement / Financial data

Timely

Delay upto 15 days

Delay over 15 days

*

Creation of charge

Prompt

Delay upto 2 months

Delay over 2 months

V.

Company's internal systems and procedures

*

Inventory Management

Adequate systems are in place

Adequate systems are in place but not adhered

Adequate systems are not in place

*

Receivables Management

- do -

- do -

- do -

*

Resource Allocation

- do -

- do -

- do -

*

Control over Information

- do -

- do -

- do -

VI.

Quality of management

*

Integrity

Reliable

Nothing adverse

Cannot be categorized in previous columns

*

Expertise Competence / Commitments

Professional & visionary

Have necessary experience

-do-

*

Tract Record

Timely

Executions /

-do-

V.

Company's internal systems and procedures

*

Inventory Management

Adequate systems are in place

Adequate systems are in place but not adhered

Adequate systems are not in place

*

Receivables Management

- do -

- do -

- do -

*

Resource Allocation

- do -

- do -

- do -

*

Control over Information

- do -

- do -

- do -

VI.

Quality of management

*

Integrity

Reliable

Nothing adverse

Cannot be categorized in previous columns

*

Expertise Competence / Commitments

Professional & visionary

Have necessary experience

-do-

*

Tract Record

Timely

Executions /

-do-

Place :

Signature :

Date :

Name of Company Secretary :

C.P. No.: