Disbursement Processing Kit
U DBBL SMART TERM LOAN
U DBBL SMART CASH CREDIT
Name of Business :
Customer's Name : Customer's IC :
Customer's A/C No. :
Loan Account Number :
SME Centre/Branch :
BB Sector Code : BB Security Code :
BB Economic Purpose Code :
Dutch-Bangla Bank Limited
YOUR TRUSTED PARTNER
A. BORROWER / CLIENT ELIGIBILITY FORM
Y/N
Bangladeshi
Nationality
At Least 2 Years
Experience
Age 21-65 Years
For Renewal UP-to 70 Years
For Small Enterprise please check as follows
Type of Business Trading/Service/Manufacturing
No of Employees (if Trading) Not more than 25 Persons
Fixed Assets excluding land and building (Taka 0.5 Lac- Taka 50 Lacs)
No of Employees (if Service) Not more than 25 Persons
Fixed Assets excluding land and building (Taka 0.5 Lac- Taka 50 Lacs)
No of Employees (if Manufacturing) Not more than 50 Persons
Fixed Assets excluding land and building (Taka 0.5 Lac- Taka 1.50 Crores)
For Medium Enterprise please check as follows
Type of Business Trading/Service/Manufacturing
No of Employees (if Trading) Not more than 50 Persons
Fixed Assets excluding land and building (Taka 50 Lacs - Taka 10 Crores)
No of Employees (if Service) Not more than 50 Persons
Fixed Assets excluding land and building (Taka 50 Lacs - Taka 10 Crores)
No of Employees (if Manufacturing) Not more than 150 Persons
Fixed Assets excluding land and building (Taka 1.50 Crores - Taka 20 Crores)
Comments
Signature of Branch Credit Officer
Name :
Designation :
Date : 1
To be filled up by the applicant
DBBL SMART Cash Credit/Term Loan Application Form
To Date:
Manager
Dutch-Bangla Bank Limited
Branch
I/We hereby apply for Operating/Term
loan of Tk. (in numbers) (in words)
for the purpose of for months term and certify that all
information given below are currently valid and authentic.
A. BUSINESS INFORMATION
Name of the Business
Proprietorship Partnership Pvt. Ltd. Co.
Year of Establishment
Business Address
Tel No. :
Factory Address (If any)
Tel No. :
Premises Status Rented Owned Family Owned Others (Specify)
Business TIN VAT Reg. No.
B. EXECUTIVE SUMMARY
Type of Business : Trading Manufacturing Service Others (Specify)
Total No. of Employees/Workforce Permanent Temporary
Fixed Assets excluding land and building in Taka (in numbers) (in words)
Description of the business, what it does
Name of Product/ Service
C. OWNER STRUCTURE
(Please attach separate sheet if required)
Name of the Owners/Directors/Proprietor Percentage of Share
2
D. BANK ACCOUNT DETAILS with other banks including DBBL:
No Yes If yes please provide details below
Total sales Monthly avg.
No. Bank Branch Account No. Account Type deposit Bal.
E. Company's Existing Credit Facilities With DBBL & Other Financial Institutions:
No Yes If yes please provide details below (Amount in Tk.)
Bank/Fin. Type of Loan Monthly
Outstanding Expiry
No. Institution Facility/Scheme Amount Installment
F. Individual / Partner / Director's Existing Credit Facilities With DBBL & Other Financial Institutions:
No Yes If yes please provide details below (Amount in Tk.)
Type of Loan Monthly
No. Borrower Bank/Fin. Institution Outstanding Expiry
Facility Amount Installment
G. CLIENT NEEDS / FACILITY DETAILS (PROPOSED)
How much would you like to borrow?
Type of Loan Operating Term
Purpose
Repayment starting date (DD) (MM) (YY)
Term (When do you expect to repay it)
How much you can pay every month?
3
H. MANAGEMENT /TEAM PROFILES
Name of Top Management Qualification Job Description Compensation
I. OPERATIONS
Name of Supplier(s) Name of Purchaser(s) Industry Association Membership (if any)
J. INVENTORY CONTROL
Product Total Yearly Time Frame for Total Amount
SL Units in Stock Unit Selling Price
Type Production in Units Production (in Tk.)
K. MACHINERIES (only applicable for manufacturing concern)
SL Type of Machineries Units in Stock Per Unit Market Price Total (in Tk.)
L. USAGE OF MACHINERIES (only applicable for manufacturing concern)
SL. Rated Capacity Capacity Utilization Production
Type of Machineries
(Per month) (Per month) (Per month)
4
M. FINANCIAL SUMMARY (P & L Account)
Current Year Previous Year
Sales / Turnover
Purchase
Net Profit after Tax
Trade Debtors
Trade Creditors
Closing Stock
N. ASSETS VALUE OWNED BY COMPANY (Please provide details)
Name of Assets Purchase Price Present value
Land
Machineries
Furniture
Computer
Other Assets
Total
O. Vehicles Owned by Company/Proprietor
Type of the vehicle(s) Registration No. Chassis No. Engine No. Market Value
P. OTHER CASHABLE SECURITIES OWNED BY COMPANY/PROPRIETOR
Type of Securities Issuing Bank Instrument No. Date of Issue Beneficiary Face Value
5
Q. OTHER DECLARATION
Yes No
1. Any submission of Bank Loan Application within the latest of 12 months
if yes, which bank if rejected, what's reasons
2. Any legal action against Company, Owner, Partner or Director before or current
3. Payment default in 2 months in last 12 months
if yes, what was the reason
4. Payment default in 3 months in last 12 months
if yes, what was the reason
R. OWNER'S/APPLICANT'S/DIRECTOR'S DETAILS
Name of Owner Date of Birth
/Director/Proprietor dd / mm / yy Education Father's Name Mother's Name Tel Number.
S. OWNER'S/APPLICANT'S/DIRECTOR'S RESIDENTIAL DETAILS
Name of Owner/ Present Residential Address Permanent Address
Director/Proprietor & Status (rented/owned) & Status (rented/owned) Tel Number
T. REFERENCES DETAILS (At least two)
Name of Referee Company Name and Address Residential Address Tel Number
6
U. DETAILS OF OTHER SISTER CONCERN
Name of Business & Address Nature of Business Share holding Annual Sales Net Worth Tel. Number
V. TYPE OF SECURITY TO BE OFFERED
If security in the form Property
Type of Securities Schedule of the Property Owner of the Property Market Value
If security in the form of Fixed Deposit
Type of Securities Issuing Bank Instrument No. Date of Issue Beneficiary Face Value
DECLARATION & SIGNATURE
I/we have applied for the facilities under SME of the Bank and have fully understood the application form. I/we
hereby warrant that all the information furnished by me/us in this application is true, complete and accurate in all
respects and that I/we have not willfully withheld any material facts and the Bank may rely on such information. If
at anytime it proves to the Bank that information provided by me/us in this application is/are untrue, false,
incomplete or inaccurate, the Bank may demand immediate repayment of the loan and I/we shall be under
obligation to make such repayment. In addition to the above, the Bank may take any civil or criminal legal action
against me/us. I/we acknowledge that the SME Loan requested by me/us in this application will be made available at
the discretion of the Bank.
In case of installment loan, I/we understand that the quantum of the monthly installments may be refixed at the
Bank's sole discretion. I/We understand and agree that I/we and my/our successors, jointly and severally, will
always remain liable to repay the outstanding and interest and charge arising out of the facility that the Bank may
grant to me/us considering this application. I/we understand and acknowledge that Bank is not bound to grant
facilities upon submission of this application form. It is sole discretion of the Bank whether it will allow or grant
facilities to me/us on the basis of this application form and the Bank reserves the right not to disclose the reason for
declining the application.
The undersigned certifies that, to the best of his or her knowledge and belief, all information contained in this loan
application and in the accompanying statements and documents is true, complete, and correct. The undersigned
agrees to notify the Bank immediately of any material changes in this information. It is further agreed that, whether
or not the loan herein applied for is approved, the undersigned will pay or reimburse the Bank for the costs, if any,
of surveys, title or mortgage examinations, appraisals, etc., performed by non-Bank personnel with the consent of
the applicant. The undersigned authorizes the Bank to contact any other Bank and trade creditors in Bangladesh or
abroad if it deems necessary without notice.
(Authorized Signature & Company/Enterprise Seal) (Authorized Signature & Company/Enterprise Seal)
THE CREDIT AND AMOUNT DECISION, UPON RECEIPT OF FULL DOCUMENTATION
7
To be completed by the Branch
A. KYC (Know Your Client)
Known by the introducer Under Sales Effort Walk in Customer
Please give in details
B. CIB Status
Sent to Head office Yes When
Received Yes Status
C. Needs Assessment / Rationale for Financing
D. Business Summary and History
(Some recommended factors are industry overview, consumer trends, any seasonal factors,
position in the industry, key success factors, competition, use of technology etc.)
8
E. Other Information (if any)
(Such as Amount, Duration, Grace Period, Interest Rate, Periodicity (monthly, quarterly), Disbursement mode,
Guarantees, Security/Collateral, Other Conditions (if any)
F. Recommendation by Branch Manager (with signature & seal)
G. Following documents to be attached by the branch
Please check mark
Site Visit Report
Stock Report
Branch Valuation Report
Others
9
Company Financial
Income Statement
Income Statement Figure in Million Tk.
Item No. Items As of................... As of................... As of...................
Sales
(Less) Sales Returns
(Less) VAT
A Net Sales
Cost of Goods Sold
Raw & Packaging Materials (Manufacturing)
Goods Purchased (Trading)
Rent (Factory)
Wages & Others Benefits
Freight
Cost of Utilities (Factory)
Repair & Maintenance (Factory machineries &
other fixed assets)
Depreciation (Factory machinery & other fixed assets)
Other Production/ Operating Expenses
Other Expenditures
B Total Cost of Goods Sold
C Gross/Operation Profit (A - B)
D General & Administrative Expenses
1 Depreciation
2 Other Administrative Expenses
3 Provisions and Amortizations
4 Sales/Office Staff's Salary
5 Marketing/Advertising Expenses
6 Financial Expenses (Interest+ Commissions)
7 Interest on Bank Loan
8 Insurance Expenses
9 Loan Processing Fee + Other Legal Cost
10 Other Expenses
E Total Administrative Expense (D 1 to 10)
F Net Operating Profit (C - E)
(Less) Taxes
G Net Profit (Loss) After Taxes
Withdrawals/Dividends
H Retained Earnings (to B/S)
10
Balance Sheet
Balance Sheet Figure in Million Tk.
Sl Nos. Assets As of................. As of................. As of.................
1 Total Current Assets (f + K)
a) Cash in Hand
b) Cash at Bank
c) Accounts Receivables
d) Prepaid Expenses
e) Other Current Assets
f) Sub - Total (a to e)
Inventories:
g) Stock of Raw & Packing Materials
h) Work - In - Process
i Stock of Finished Goods
j) Goods in Transit
k) Sub - Total(g to J)
2 Total Fixed Assets ( l to n)
l) Land and Building
m) Plant and Machinery
n) Other Assets
Total Assets(1 +2 )
1 Current Liabilities(i to vii)
i) Short Term Bank Loan
ii) Loans From Other Source
iii) Advance From Buyers
iv) Payable to Suppliers
v) Accrued Liabilities(Salary, Wages)
vi) Bills Payable(Utilities, Supplies)
vii) Other Currcnt Liabilities
2 Long- Term Liability(viii to ix)
viii) Loan From Other Banks/Sources
ix) Other Long Term Loans
3 Total Liabilities(1+ 2)
4 Equity(x to xiii)
x) Paid up Capital/Investment
xi) Directors Loan
xii) Reserve and Surplus/ Profit Retained
xiii) Others
5 Total Liabilities & Equity(4 +5)
11
Documentation Check List (Bank Use only)
SME Client Name:
A/C No. Date: (dd)/ (mm)/ (yy)
Source: Sales Branch
Documents Document Obtained Remarks
Yes No
Application Form duly completed and Signed
Copy of Trade License of Applicant
Company Seal Provided
Bank Statement for last 12 months
Copy of TIN certificate of Applicant
Income Tax Return for Proprietor
Income Tax Return for Company
Copy of audited financial statement for the last 3 (three) years
Copy of Utility Bills
Copy of Rental Agreement
Copy of Lease Agreement / Possession
Copy of Dealership Agreement
Copy of Valid Passport/ Voter ID/ Driving License/Other Identity
Copy of Registered Partnership Deed duly certified
Copy of Memorandum & Articles of Association
Certificate of Incorporation of Company duly certified by RJSC attested by the MD
Updated list of Directors in form XII
Copy of Board Resolution of the company for availing credit facilities from DBBL
Copy of Board Resolution for execution of documents
Photograph of Applicant(s)/Director(s)/Partner(s)
Copy of CIB Report of the Applicant(s)
Copy of CIB Report of the Guarantor(s)
Copy of TIN Certificate of the Guarantor(s)
Photograph of the Guarantor(s)
Bank Statement of the Guarantor(s)
Net Worth Statement of the Guarantor(s)
Sanction Letter of Existing Loan
Loan account statement of other banks
Stock Report/ Break up of Inventory/Receivables
Completed Work-orders/ Work-orders in hand
Others (if required please list below)
Signature of Branch Credit Officer
Name :
Designation :
Date :
