JAMUNABANK Credit Risk Management Division Head Office, Dhaka. CRMD Instruction Cireularno. OA _ 2023 Date: May 21, 2023 All Head of Branches & Credit In-charges Head of Corporate Banking, SME , Retail & Marketing Division é& Agriculture Loan Unit, Head Office Jamuna Bank Limited Subject: Sending at least 2(Two) nos Corporate Business Proposals every month to Head Office Please refer to the Virtual meeting the undersigned had with the Head & Credit In-Charges of Dhaka City Branches on 18% May 2023. While emphasized the need for augmenting the loan portfolio of Jamuna Bank Limited, a robust business plan and clear guidelines on selecting preferred Corporate customers have been outlined by the Bank Management to achieve Corporate objective during the current year. As per the guidelines, potential Corporate customers should meet but not limited to the following criteria: Yearly Export/Turover should be Tk.100 Crore é above ‘The customer have own factory building Size of Term Loan exposure should be less than 10% of yearly export/turnover Factory should be complied with buyers /regulatory norms Proposed size of loan exposure should be Tk.20 Crore & above Adequate valuable Collateral security ‘Accordingly, Dhaka City Branches are advised to send at least 2(two) potential Corporate Business Proposals to Head of Corporate Banking Division in each month. Branches who do not have Corporate customers shall send at least 2(two) Credit proposals in every weeks to Retail Banking Division/SME Division/ Agriculture Loan Unit as usual. In this connection, the attached Executive Summary must be sent duly filled in with their respective Credit Proposals for the potential Corporate Credit Customers to Head of Corporate Banking Division, Head Office, Jamuna Bank Limited without fail. ‘The Managing Director & CEO has desired to visit the Corporate Credit Customers in each week on ‘Tuesday, Friday and Saturday and in accordance with Branch Manager must submit call report as per format (Executive Summary enclosed) before requesting visit of the Managing Director for justification of his visit. : All Head of Branches are requested to follow the above instructions strictly with immediate effect which will have impact on their respective performance evaluation with all benefits. Please treat this as MOST URGENT. Cand Mirza Elias Uddin Ahmed! Managing Director & CEO Enclosure; Format of Executive SummaryJAMUNABANK Ref. Executive Summary Date: Customer Name Customer has been availing eredit facility from JBL | 1 Total Limit Details Total Asset Existing Proposed Boren | 30/6mi | 30/62 Limit | Security| Limit | Security Funded Land: Tand: /‘Non- FDR: q FDR: Operating Asset Funded | Fane — Bonne | 30/61 | s0/6na ‘Total Liability Cc Funded Liability Non-Funded Liability wih JBL Term [otherthan| [7 with JBL # with other Banks & FIs Fah IBC Loan Term Loan! 1 with other Banks & Total : *# with other Banks ua & Fis Total Total ‘% of total loan of | Export! Turnover ‘ (Profit “CD Account Repayment Behavior 2019-20 | 2020-21 | 2021-22 20 [ 21 [22 _| | Excess Over Limit (EOL) L _ Debit = 20 21 22 sammaien Number of Times Sales Credit the facility went 2019-20 | 9020-21 [3027-23] | Summation EOL ‘Number of days the facility stayed EOL Net worth 20_| 2) [22 - a ay | par Classification History (Since Inception)- - Summation SMA [SS_[DF [BL Credit ‘Narnber oF mes Key Ratios- __ [Summation : any of the loans Debtquity Ratio owas lasiied [-aois-20 | 2020.21 | 2031-22 ‘CC Loan Reeyele Time ‘Nomber of days Fa any of the loans a) stayed classified Current Ratio a 2 E R aorpz0 {aomoai [poarze | [1a Diiceatamaten REESE Sata ‘Number of times the borrower discontinued his facility with us [Net Profit Margin 7 015-20 | 2020-21 | 2071-22 TCRR Rations 1 | Seer 1) Leverage: 4) Coverage: Stayed discontinued —__[____ 110 as — ta 5 Ope ay inl no ft Group Compa [at nn Efficiency: “yo | ;usderam neat Profiabiiy: | 6) Eaming | rasp Stents atts veer __ decom i Ao Quality: is Total Number of Concerns omission ‘Asset | Profit | Seley | Net Income ‘Successor’s Information- | Name: | Age: oe Name: ‘Age: 1. ‘Name: ‘Age