Proposal 2017

Social Islami Bank Limited
New Eskatan Branch

Date: 14.02.2017
Subject Proposal for

A. Single Term LC Limit to import 02 set of Washing Machinery for Euro 2,821,500 & USD 2,094,125 and Co-
generations Machinery for EURO 2,187,500 along with Subsequent HPSM only for 10 years with 02 years
gestation period under FSSP of Bangladesh Bank as follows:
LC (Sight/DP/UPAS) : Taka 6083.22 Lac

HPSM-1 (Machinery) : Taka 5474.89 Lac
B. Single Term HPSM limit for purchase local machinery & establishment of an ETP Plant only for 10 years with
02 years gestation period under FSSP of Bangladesh Bank as follows:
C. Single Term HPSM limit for civil construction only for 10 years with 02 years gestation period under FSSP of
Bangladesh Bank as follows:
HPSM (RE) : Taka 1500.00 Lac
Security: 1. 10 % cash Margin [ 5% at athe time of opening + 5% at the time of retirement]

2. Lien of Import Documents.
3. Hypothecation of Imported machineries
3. personal guarantee of Directors and their spouse
4. Post dated cheque covering full limit.
5. Charge creation with RJSC on fixed and floating assets.
6. Registered mortgage along with IGPA of 100.50 decimal project
land , Building and project machinery [ MV: 11301.78 Lac , FSV: 9799.75 Lac]
A/C: Doreen Printing & Dying Ltd.
(All figures in this memo is in Lac Taka)

Details of facility :
Mode of Existing Facility Proposed Investment Facility Purpose
Investment Limit Outstanding Expiry Applied by Recommendatio
the client n of the Branch
S.term LC 6083.22 6083.22 To import capital machineries
(Sight/DP/UPAS
)
HPSM-1 5779.06 5474.89 To retire import documents
(Machinery)
HPSM-2 1425.06 1350.00 To procure local machineries.
(Machinery)
HPSM (RE) 2100.00 1500.00 To incur civil construction cost.
Grand-Total 9608.28 8933.22

Funded 9304.12 8324.89
Non-Funded 6083.22 6083.22
Page 1 of 29
01.Brief Background of the Customer:
Doreen Printing & Dyeing Limited is a private limited company which will be envisioning a 100% export oriented garments, dying & washing
unit at Chinishpur, Narshingdi sadar, Narshingdi. Mr. Noor-E- Alam Siddique, Chairman of the company is a veteran student leader at the
time of independence of Bangladesh at 1971. Mr. Tanzeeb Alam Siddique, Managing Director of the DPDL is also a honorable member of
parliament of Bangladesh from Jinaidah. Other than political back ground they are also engaged in multi-dimensional business activities i.e
Power sector [400 MW at different capacity], Hospitality [Sheraton Hotel, Gulshan], Cement [ Seven Horse Cement], Garments, Dying, Real
Restate & Trading. Doreen Printing & Dyeing Limited incorporated with Registrar of Joint stock companies of Bangladesh under the company
act 1994 with an authorized capital of Taka 100.00 Lac. The project will be established on 120 decimal land with an estimated sales of Taka
5356.80 Lac in the 1st year using only 60% capacity. Further to that it will create an employment opportunity for 2700 person. Stipulated
project will be a lead certified.
Leadership in Energy and Environmental Design (LEED) is one of the most popular green building certification programs used
worldwide. Developed by the non-profit U.S. Green Building Council (USGBC) it includes a set of rating systems for the design, construction,
operation, and maintenance of green buildings, homes, and neighborhoods that aims to help building owners and operators be
environmentally responsible and use resources efficiently. To participate in LEED 2009, a building must comply with environmental laws and
regulations, occupancy scenarios, building permanence and pre-rating completion, site boundaries and area-to-site ratios. Its owner must
share data on the building's energy and water use for five years after occupancy (for new construction) or date of certification (for existing
buildings). Under this certification Buildings can qualify for four levels of certification:
Certified: 4049 points
Silver: 50-59 points
Gold: 60-79 points
Platinum: 80 points and above
02.Information Regarding the Client:
Name of the Client : Doreen Printing & Dyeing Limited

Name of Key person : Mr. Tanzeeb Alam Siddique, Managing Director.
Group Name (in applicable case) : Doreen Group.
Address of the Client : Office( Own/Rented) : Walso Tower (2nd Floor), 21-23, Kazi Nazrul Islam Avenue, Dhaka-1000
Factory( Own/Rented) ; Chinishpur, Narshingdi Sadar, Narshingdi.
Permanent : House-24, Road-36, Gulshan- 02, Dhaka-1212
Nature of Business : Washing Plant, Dyeing & Printing
Account Number with opening date : 0211360000776, opening date: 09.03.2010
Investment availing with SIBL since : Since 2014
Registration/Date of commencement of business : C-100896/12 dated 11.04.2012
Nature of ownership : Private
Trade License Particulars No. 6383/2012 , valid till 2017
Tax Index Number (TIN) : 743-200-0091
Import Registration Certificate (IRC) : N/A
Export Registration Certificate (ERC) : N/A
Phone & mail of Office : +88 02 9860744
Total Net Worth : Company: Taka 4128.87 Lac [ Projected for 1st Year]
Relationship Officer : Muhammad Mahmudul Hassan, SAVP & Manager
Particulars Small Medium Corporate
Manufacturing Trading/ Manufacturing Trading/ Manufacturin Trading/
Services Services g Services
Labor Bangladesh 25-99 10-25 100-250 50-100 Above 250 Above 100
Bank Guideline
Actual position of - 15 - - 2700 -
the client
Value of fixed Bangladesh Tk.50.00 lac to Tk.5.00 lac Above Tk.10.00 Tk.1.00 to Above Tk. Above 15.00
assets Bank Guideline Tk.10.00 crore to Tk.1.00 to 30.00 crore 15.00 crore 30.00 crore crore
(Except land crore
& Building) Actual position of - Tk. 57.50 - - 86.35 -
including the client Lac
setup cost
Page 2 of 29
Nature of the client (As per above matrix) : Corporate [ Manufacturing]
03. Pricing:
Particulars Type of Facility Existing Rate Proposed Rate

with By the client By the branch
SIBL/other
Commission LC @ 0.20% p.q @ 0.20% p.q
Margin LC @10 % cash [ 5% at the time of @10 % cash [ 5% at the time of
opening + 5% at the time of opening + 5% at the time of
retirement] retirement]
Profit HPSM IIBR+6 [ FSSP] IIBR+6 [ FSSP]
Other Charges As per Banks Schedule of Charges.
Note: The ISLAMIC INTERBANK BENCHMARK RATE (IIBR) provides a reliable and objective indicator of the average expected
return on Shariah compliant short term interbank market funding for the Islamic Finance industry. Present IIBR is approximately 0.92.
04. CIB Report dated 08.02.2017 shows UC........ With SIBL and UC/SMA/SS/DF.with others
Details liability as per CIB report :
Nature Liability in the name of Liability in the name of the Total Overdue* Classification*
the customer sister/allied concerns
Limit O/S Limit O/S Amount Status
Funded
Non-Funded
Total
*Remarks Regarding overdue/SMA/CL liability
05. Project Information:
Land Building Machinery Other Total Bank Finance Own Finance Debt: Equity
1500.00 3000.00 7701.29 887.30 13088.59 ***8324.96 4763.63 64:36
*** PROPOSED FINANCE

06. Financials (Projected):
Year Gross Sales Gross Profit Net Profit Total Asset Total liabilities Net Worth
Y-1 5356.80 2170.56 1154.11 15422.20 9912.73 5509.47

Y-2 6249.60 2555.62 1397.47 16909.01 9958.03 6950.98
Y-3 6696.00 2840.53 1163.72 17458.94 9326.63 8132.31
Y-4 7142.40 3122.40 1366.46 18181.52 8655.94 9525.58
Y-5 7588.80 3401.40 1568.65 19075.30 7943.53 11131.77
Page 3 of 29
07. Balance Sheet as per projected financials [1 st Year]
Liabilities & Capital Assets and Properties
Particulars Amount Particulars Amount

a. Capital a. Current Assets:
Paid up capital 10
Directors Loan 4980.11 Cash & Bank Balance 1624.37
Tax Holiday Reserve Account Receivables 877.97
Retained earnings up to last year 1155.33 Closing Stock 254.45
Net profit during the year Security deposit/Advances
Share money Deposit Sub-Total (a): 2756.79

Total Equity: 6145.44 b.Fixed Assets:
b. Current Liability Land & land development 1500.00
Sundry Creditors Building & other construction 3000.00
Short Term Loan 905.94 Machinery & Equipments 7981.29
Sub- Total 905.94 Furniture & Fixture and office equipment 120.30
c. Term Liability Vehicles 282.00

Long Term Loan 8324.96 Others 205.00
Depreciation & Write off (469.04)
Total Liability (b+c): 9230.9 Sub-Total (b): 12619.55
Grand-Total (a+b+c): 15376.34 Grand-Total (a+b): 15376.34
Net-worth: 6145.44
08. Income Statement: Based on Projected financials
Particulars Y-1 Y-2 Y-3

Sales/Revenue 5356.80 6249.60 6696.00
Cost of Goods Sold 3186.23 3693.97 3855.46
Gross Profit 2170.56 2555.62 2840.53
General & Administrative Expenses 313.47 320.04 326.89
Selling Expenses
Operating Profit 1857.09 2235.58 2513.64
Financial Cost 81.53 85.61 723.29
Other Expenses
Net Profit before tax 1775.55 2149.96 1790.35
Tax 621.44 752.48 626.62
Net Profit after tax 1154.11 1397.47 1163.72
# Comments on financials results----------------------------------------------------------------------------------------------

Page 4 of 29
Y-1 Y-2 Y-3
Current Ratio : 3.04 4.96 5.74
Quick Ratio : 2.76 4.67 5.45
Debt-Equity(leverage) Ratio : 1.50 1.22 0.99
Inventory Turnover in days : 29 27 27
Debtors Turnover in days : 60 55 54
Debt Service Coverage Ratio : 22.78 25.70 3.48
09. Cash flow analysis:
Particulars Y-1 Y-2 Y-3

Source of Fund
Operating Profit 1858.97 2237.46 2515.53
Depreciation & Written off 468.38 468.38 468.38
Equity
Directors Loan
Term Loan
Working Capital - Changes in Current Asset 1132.43 89.33 65.17
IDCP
Total 3459.78 2795.17 3049.08
Application of Fund
Fixed Investment
Repayment of Long Term Loan 0.00 0.00 683.44
Increase of Current Assets 1132.43 89.33 65.17
Income Tax Paid 622.10 753.15 625.82
Installment of Term Loan 0.00 0.00 528.79
IDCP 0.00 0.00 108.79
Int. on working capital 81.53 85.61 89.89
Total 1836.06 928.09 2101.90
Surplus 1623.72 1867.09 947.18

Opening Balance 0.00 1623.72 3490.80
Closing Balance 1623.72 3490.80 4437.98
10. Particulars of applicants/proprietor/partners/directors :
Name of the Directors with Age Education Designation Experience No of % of share Net worth
father/husband name & address share
Nur-E-Alam Siddique 73 M.A , L.L.B Chairman 50 1000 10% 3538.82
Tahzeeb Alam Siddique 42 MBA, USA Managing 17 4500 45% 3591.77
Director
Tanzeer Alam Siddique 40 LLB, London Director 15 4500 45% 865.87
11. Details Net worth of the Proprietor/ Partners/ Directors
Page 5 of 29
Name Particulars
Nur-E-Alam Siddique : A. Asset [Cash/Bank Balance: 122.00 Lac + Investment in Business: 3437.81 Lac + Real Estate
(encumbered): ----Lac + Real Estate (Un-Encumbered): 6736.86 Lac + Others: Taka 00.00 Lac]. Total Tk
10560.11 Lac
B. Liabilities : [With SIBL------Lac+ with other Bank 7021.84 lac + others 00.00 lac]. Total-Tk 7021.84 Lac
C.Net Worth [A-B]: Taka 3538.27 Lac
Tahzeeb Alam A. Asset [Cash/Bank Balance: 0.97 Lac + Investment in Business: 346.99 Lac + Real Estate (encumbered):
Siddique ----Lac + Real Estate (Un-Encumbered): 00.00 Lac + Others: Taka 68.51 Lac]. Total Tk 416.48 Lac
B. Liabilities : [With SIBL------Lac+ with other Bank.lac + others 57.31 lac]. Total-Tk 57.31 Lac
Tanzeer Alam A. Asset [Cash/Bank Balance: 441.28 Lac + Investment in Business: 424.28 Lac + Real Estate
Siddique (encumbered): ----Lac + Real Estate (Un-Encumbered): 00.00 Lac + Others: Taka 30.00 Lac]. Total Tk
865.87 Lac
B. Liabilities : [With SIBL------Lac+ with other Bank.lac + others 00.00 lac]. Total-Tk 00.00 Lac
12. Successors Information (2 nd line Management):
Name Relation with the borrower Age Education Experience

Mrs. Parveen Alam W/O Nur-E-Alam Siddique 62 Years B.A., University of Director of various
Dhaka concern of Doreen
Group
Mr. Tahzeeb Alam Siddique S/O Nur-E-Alam Siddique 41 Years MBA, Cornell Director and Managing
University, USA Director of various
concers of Doreen
Group
S/O Nur-E-Alam Siddique 39 Years L.L.B., Queens Director and Managing
Mary University, Director of various
Mr. Tanzeer Alam Siddique
London and L.L.M. concers of Doreen
Westminister U.K. Group
13. Management including Technical staff:
The overall management of the company is vested with its BOD. The board is formulating policies and provide guidelines for smooth operation
of the company. The managing Director, Mr. Tahzeeb Alam Siddique is the Chief Executive Officer of the company. Qualified and experienced
technical, administrative, marketing and accounting professionals are recruited for smooth operation.
14. Particulars of sister/allied concerns:
Name of Concerns Owners Name Designation Share (%) Nature of Business

Asian Entech Power Parveen Alam 0.89% Power Generation
Corporation Limited Tahzeeb Alam Siddique 87.32%
Tanzeer Alam Siddique 2.32%
Anjabeen Alam Siddique 9.46%
Total 100%
Dhaka Northern Power Doreen Power 75.50% Power Generation
Generations Limited Generations & Systems
Limited
Asian Entech Power 24.50%
Corporation Ltd.
Total 100%
Dhaka Southern Power Doreen Power 75.50% Power Generation
Generations Limited Generations & Systems
Limited
Page 6 of 29
Asian Entech Power 24.50%
Corporation Ltd.
Total 100%
Doreen Apparels Nur-E-Alam Siddique 50.00% RMG
Limited Parveen Alam 25.00%
Tahzeeb Alam Siddique 25.00%
Total 100%
Doreen Attire Limited Nur-E-Alam Siddique 50.00% RMG
Parveen Alam 25.00%
Total 100%
Doreen Developments Nur-E-Alam Siddique 10.00% Real Estate
Total 100%
Doreen Fashion Limited Nur-E-Alam Siddique 50.00% RMG
Parveen Alam 40.00%
Total 100%
Doreen Garments Nur-E-Alam Siddique 5.50% RMG
Doreen Fashion Limited 90.00%
Total 100%
Doreen Hotels & Nur-E-Alam Siddique 10.00% Hospitality
Resorts Limited Parveen Alam 10.00%
Total 100%
Doreen Power Parveen Alam 3.17% Power Generation
Generations & Systems Anjabeen Alam Siddique 0.82%
Limited Asian Entech Power 96.00%
Corporation Ltd.
Mrs Hamida Matin 0.005%
Ali Akbar 0.005%
Total 100%
Doreen Power House & Parveen Alam 24.00% Power Generation
Technologies Limited Tahzeeb Alam Siddique 24.00%
Anjabeen Alam Siddique 28.00%
Total 100%
Doreen Washing Plant Nur-E-Alam Siddique 50.00% Washing Plant
Total 100%
Eastern Cement Nur-E-Alam Siddique 54.28% Cement Manufacturer
Industries Limited Parveen Alam 18.24%
Tanzeen Alam Siddique 7.74%
Total 100%
M.N. Nabi Textile Nur-E-Alam Siddique 60.00% Textile
Page 7 of 29
Mrs Hamida Matin 10.00%
Total 100%
Nur-E-Alam Siddique & Nur-E-Alam Siddique 50.00% Trading
Co. Ltd. Parveen Alam 30.00%
Total 100%
Nurun Nehar Textiles Nur-E-Alam Siddique Textile
Miles Limited Parveen Alam 60.00%
10.00%
Total 100%
15. Lending Category:
i. Agriculture (AG) vii. Commercial Lending (Com)

ii. Large and Medium Scale Industries (Term Loan) LM viii. Ready made Garments (RMG)
iii. Small & Cottage Industries (Term Loan) SCI ix. Housing Commercial (HC)
iv. Working Capital - WCL x. Housing Residential (HR)
v. Working Capital (Small Industries) WCS xi. Others (OT)
vi. Export - Ex
16. IRG:
Risk Grading Financial Business/ Managemen Security Relationship Aggregate Risk Risk
Risk Industry Risk t Risk Risk Risk Risk Grading Assessed by
Total score 50 18 12 10 10 100 Good Faysal
Score obtained 45 13 12 8 7 85 Mahmud
17.Credit Rating Report : N/A
18. Stock Report: N/A

19. Collateral Security: (Branchs & Surveyors Valuation Certificates to be enclosed):
Description Value
Registered Mortgage with Registered Irrevocable Assessed by Branch Officials : Assessed by enlisted surveyor :
Power of Attorney has already been executed/ to Mr. Muhammad Mahmudul Hassan, Landscape Survey Engineers
be executed SAVP & Manager Date: 07.02.2017
Mr. Shamim Reza, SEO
Date: 07.02.2017
A 10.00 decimal project Land with structure : Market Value : Market Value :
thereon 10.00 decimal land @ Taka 6.00 Lac 10.00 decimal land @ Taka 7.00 Lac
per decimal = Taka 60.00 Lac per decimal = Taka 70.00 Lac
Details Schedule
Forced Sale Value : Forced Sale Value :
District-Narshingdi, P.S. and S.R. Office-
Narshingdi Sadar, Mouza-Dagria, Khatian 10.00 decimal land @ Taka 4.80 Lac 10.00 decimal land @ Taka 5.60 Lac
number-C.S. 125, S.A. 207, R.S. 271, Plot per decimal = Taka 48.00 Lac per decimal = Taka 56.00 Lac
number-C.S. and S.A. 415, R.S. 853, area of
land 10 (ten) decimals.
Owned By Doreen Printing & Dyeing

Limited represented by its managing director
Mr. Tahjib Alam Siddique
Butted and bounded by:-

Page 8 of 29
North:- Abdur Rouf Bhuiyan.
South:- Abu Taher and others.
East:- Anowarul Haque Chowdhury.
West:- Badiul Alam Chowdhury.
B 34.50 decimal project Land with structure : Market Value : Market Value :
Details Schedule
Narshingdi Sadar, Mouza-Dagria, Khatian 34.50 decimal land @ Taka 4.80 Lac 34.50 decimal land @ Taka 5.60 Lac
number-C.S. 168, S.A. 286, R.S. 286 and per decimal = Taka 165.60 Lac per decimal = Taka 193.20 Lac
72, Plot number-C.S. and S.A. 404, R.S. 874
and 875, area of land 34.50 (thirty four point
five zero) decimals

North:- Humaiyun and others.

South:-
East:- Narsingdhi Polytechnic Institute.
West:- Mukul and others.
** Mutation is under process
C 45.00 decimal project Land with structure Market Value : Market Value :
Details Schedule
Sadar, Mouza-Dagria, Khatian number-C.S. 45.00 decimal land @ Taka 4.80 Lac 45.00 decimal land @ Taka 5.60 Lac
125, S.A. 209, R.S. 18, Plot number-C.S. per decimal = Taka 216.00 Lac per decimal = Taka 252.00 Lac
and S.A. 415, R.S. 854, area of the land 45
(forty five) decimals

North:- Anowarul Haque Chowdhury.

South:- Doreen Printing and Dyeing Ltd.
East:-
West:-
Page 9 of 29
D 6.00 decimal project Land with structure Market Value : Market Value :
Details Schedule Forced Sale Value :
Forced Sale Value :
District-Narshingdi, P.S. and S.R. Office- 6.00 decimal land @ Taka 5.60 Lac
Narshingdi Sadar, Mouza-Dagria, Khatian 6.00 decimal land @ Taka 4.80 Lac per decimal = Taka 33.60 Lac
number- S.A. 290, R.S. 297, Plot number- per decimal = Taka 28.80 Lac
C.S. and S.A. 402, R.S. 871, area of the land
6 (six) decimals.

North:- Doreen Printing and Dyeing Ltd.

South:- Mukul and others.
East:- Aziz and others.
West:- Humayun Chowdhury and others.

E 5.00 decimal project Land with structure Market Value : Market Value :
Details Schedule
Sadar, Mouza-Dagria, Khatian number-S.A. 5.00 decimal land @ Taka 4.80 Lac 5.00 decimal land @ Taka 5.60 Lac
209, R.S. 18, Plot number-C.S. and S.A. per decimal = Taka 24.00 Lac per decimal = Taka 28.00 Lac
415, R.S. 854, area of the land 5 (five)
decimals.

North:- Moklesh Chowdhury and others.

South:- Proprty of another plot number.
East:- Doreen Printing and Dyeing Ltd.
West:-Humaiyun Chowdhury and others

19.25 decimal project Land with structure Market Value : Market Value :
Details Schedule
Sadar, Mouza-Dagria, Khatian number-S.A. 19.25 decimal land @ Taka 4.80 Lac 19.25 decimal land @ Taka 5.60 Lac
209, R.S., Plot number-C.S. and S.A. 415, per decimal = Taka 92.40 Lac per decimal = Taka 107.80 Lac
R.S. , area of the land 19.50 (Nineteen
Page 10 of 29
point Five Zero) decimals.

Note: land documents are not submitted.

Total Market Value of Land and Building : Taka 718.50 Lac Taka 838.25 Lac
Total Forced Sale Value of Land : Taka 574.80 Lac Taka 670.60 Lac
Building: : Market Value :
120000 sft floor space @ Taka 2500
03 storied factory building [ 120000 sft] per SFT = Taka 3000.00 Lac
Forced Sale Value :
120000 sft floor space @ Taka 2000

per SFT = Taka 2400.00 Lac
Machinery (written down value) : Market Value:

Taka 7583.28 Lac
Forced sale value:
Taka 6824.95 Lac
Grand Total of Land, Building, MTDR,Share : MV: Taka 11301.78 Lac MV: Taka 838.25 Lac
Machinery FSV: Taka 9799.75 Lac FSV: 670.60 Lac
20.NBFI Related Information: N/A

21. Sequence of Approval: N/A
B. Proposed Investment Facility

Clients Application date Branch proposal reference Head Office receipt Receipt date with all required
and Date date information & Papers
25.01.2017 ----
22. Liability of the client & its sister/allied concerns with our Bank (as on 09.02.2017): NIL
Single Borrower Exposure Limit: (In case of corporate clients)
Particular Existing Proposed Total Banks Capital on 30.06.2016 % of total capital

: Taka 1919.50 Crore
Funded 83.24 83.24 258.59 4.83%
Non Funded 60.83 60.83 344.79 3.53%
Total 89.33 89.33 603.38 5.18%
Page 11 of 29
23. Liability of the client & its sister/ allied concerns with other Bank (as on 31.12.2016):
Outstanding
Type of Outstanding
Name of A/C Name of the Bank/FI Limit (Non- Expiry
Facility (Funded)
Funded)
LC (B2B) 2,017.00
3,000.
FDBP 150.00 29.03.2017
00
FDBC 650.00
450.
Premier Bank Limited, PC 448.00 30.06.2017
00
Doreen Apparels Gulshan Circle-2 Branch 2,353.
Limited Term Loan 2,347.00 27.10.2023
00
OD (Gen) 100.
99.00 10.05.2017
Revolving 00
Lease 67.
61.26 30.11.2020
Finance 00
5,970.0 2,955.2
Sub-Total 2,817.00
0 6
OD 997.00 31.09.2017
1,000.00
One Bank Limited
Term Loan 2,101.00 20.07.2021
2,105.00
3,105.0 3,098.0
Sub-Total
0 0
1,000.
Premeir Bank Limited OD (General) 992.00 31.10.2017
00
Doreen 1,000.0 992.0
Developments Sub-Total
0 0
Limited
1,187.
Standard Bank Ltd. Term Loan 1,138.00 16.11.2020
00
1,187.0 1,138.0
Sub-Total
0 0
Hajj Finance Company Lease 1,449.
1,449.00 5/20/2020
Ltd. Finance 00
1,449.0 1,449.0
Sub-Total
0 0
150.
ECC 149.00 31.12.2017
Janata Bank Limited, Local 00
Doreen Fashion Branch 250.
PC 200.00 31.12.2017
Limited 00
400.0 349.0
Sub-Total
0 0
Doreen Garments Janata Bank Limited, Local
ECC 323.00 31.03.2017
Limited Branch 325.00
PC 1,995.00 20.03.2017
2,000.00
BTB LC 487.00
(foreign)
Page 12 of 29
BTB LC
1,826.00
(local)
BTB LC
1,826.00
(EDF)
BTB LC
570.00
(EPZ)
IFDBC
2,310.00
(foreign)
IFDBC
3,012.00
(local)
IFDBC
3,884.00
(UDF)
IFDBC
834.00
(EPZ)
PAD EDF 1,817.00
FDBC 79.00
FDBP 1,345.00
Term Loan 5,225.00 - 31.03.2021

6,000.00
8,325.0
Sub-Total 17,990.00
0 7,543.00
5,000.
BTB LC 2,501.00
00
FDBP 376.00
Premier Bank Ltd. FDBC 812.00 31.07.17

750.
PC 748.00
00
100.
OD 98.00
00
5,850.0 846.0
Sub-Total 3,689.00
0 0
LTR (Inner
88.00 09.04.2017
limit of LC) 700.00
OD 382.00 11.05.2017
Premier Bank Ltd. 400.00
Term Loan 66.00 05.03.2018
144.00
Short Term
1,307.00 31.03.2017
Loan 1,400.00
2,644.0 1,843.0
Sub-Total
Doreen Hotels & 0 0
Resorts Ltd. 16,502.
AB Bank Ltd. Term Loan 1,550.00 1/30/2023
00
16,502.0 1,550.0
Sub-Total
0 0
Infrastructure
15,600.
Development Company Term Loan 15,600.00 8/4/2028
00
Limited
15,600.0 15,600.0
Sub-Total
0 0
Page 13 of 29
GSP Finance Company 2,000.
Term Loan 1,992.00 1/27/2021
(Bangladesh) Ltd. 00
2,630.
Term Loan 2,616.00
00
24.03.2024
1,039.
Trust Bank Limited Term Loan 1,033.00
00
100.
OD 99.00 30.6.2017
00
3,769.0 3,748.0
Sub-Total
0 0
600.
SOD 611.00 11/30/2017
00
NCC Bank Limited
17,840.
Term Loan 4,304.00 6/30/2018
00
Doreen Power 18,440.0 4,915.0
Generations & Sub-Total
0 0
Systems Limited
Islami Bank Bangladesh 8,000.
Term Loan 7,990.00 6/30/2020
Ltd. 00
8,000.0 7,990.0
Sub-Total
0 0
1,440.
Term Loan 412.00 6/30/2017
00
Dhaka Bank Limited
100.
OD 99.00 10/31/2017
00
1,540.0 511.0
Sub-Total
0 0
Doreen Power 800.
IIDFC Term Loan 306.00 30-06-2017
House & 00
Technologies 800.0 306.0
Sub-Total
Limited 0 0
Phoenix Finance & Lease 151.

152.10 11/30/2021
Investments Ltd. Finance 20
151.2 152.1
Sub-Total
0 0
31,040.
Trust Bank Ltd. Term Loan 29,613.00 6/30/2025
00
Dhaka Northern
Power Generation
31,040.0 29,613.0
Limited Sub-Total
0 0
Dhaka Southern 31,048.

Power Corporation NCC Bank Limited Term Loan 30,020.00 30-06-2024
00
Limited
IBBL TR 574 574.00
-
Union Capital Ltd. Lease 500.00 391.00 44,439.00
Finance
Page 14 of 29
32,122.0 30,985.0
Sub-Total
0 0
1,818.
Term Loan 1,815.00 27.10.23
00
300.
LTR 175.00
Premier Bank Limited 00
Lease
12.00 30.04.20
Finance 13.00
LDBP 1671.00 1,667.10
Doreen Washing
3,802.0 3,669.1
Plant Limited Sub-Total
0 0
Janata Bank Limited, Local 400.

IBP 62.00 30.10.2017
Branch 00
400.0 62.0
Sub-Total
0 0
642.
IDLC Finance Limited Lease 234.00 31.12.2019
00
642.0 234.0
Sub-Total
0 0
Hajj Finance Company 645.
Lease 344.00 31.01.2018
Ltd. 00
645.0 344.0
Sub-Total
0 0
84.
Premier Bank Ltd. Lease 73.00 12.01.2021
00
84. 73.0
Sub-Total
00 0
6,557.
Term Loan 6,557.00 30.12.2021
00
6,000.
CC Hypo 5,998.00 12/31/2017
00
Eastern Cement 2,970.
LTR 1,347.00 12/31/2017
Industries Ltd National Bank Ltd. 00
ABP (Deferd 4,000.
1,693.00
LC) 00
UPAS 12/31/2017
LC (Local &
669.00
Foreign)
19,527.0 13,902.
Sub-Total 2,362.00
0 00
500. 295.0
Term Loan 31-12-2019
00 0
700. 302.0
Trust Bank Ltd. LTR 6/30/2017
00 0
L/C - 138.00 6/30/2017
-
1,200.0 597.
Sub-Total 138.00
0 00
800. 757.0
Fareast Finance & Inv. Ltd. Term Loan 31.08.2020
00 0
Page 15 of 29
GSP Finance Company Lease 640. 567.0
31.01.2021
(Bangladesh) Ltd. Finance 00 0
Lease 300. 266.0

Union Capital Ltd. 31.04.2020
Finance 00 0
Islami Finane and Lease 540. 471.0

10.12.20
Investment Ltd. Finance 00 0
1,100. 1,099.0
Term Loan 22.02.2022
00 0
Premier bank Ltd.
M.N Nabi Textiles 1,000. 507.0
OD 15.08.2017
Ltd. 00 0
2,100.0 1,606.
Sub-Total
0 00
Total 190,574.20 140,123.46 26,996.00
24. Performance of the client & its sister/allied concerns with our Bank (Performance to be furnished concern wise, if availed
by the client and other sister/allied concerns): N/A
25.Performance of the client & its sister/allied concerns with other Banks : Not Provided
26.Income already earned from the client and its sister/allied concerns: N/A
27. Expected earnings :
Spread Break up for FSSP
Party Pricing (Spread)

Bangladesh Bank IBBR + 3%
SIBL, NEW Eskatan Branch 3% p.a
Total IBBR+ 6%
Description : Annual income to be earned

Profit : 273.97
Commission/fees income : 12.66
Exchange gain :
Total income : 286.63
Total funded facilities : 9132.62
Effective rate of return ( Total income/ Total funded facilities X 100) : 3.14%
28. Assessment of Working Capital/Investment Need: N/A
29. Information for Contractor (Work Order) Financing: N/A
Page 16 of 29
30. Project related information (For manufacturing concerns):
a) Fixed cost of the Project :
Cost incurred Cost to be Incurred Grand Total

Sl Items of cost
Debt Equity Total Debt Equity Total Debt Equity Total
i Land & land
development 1500 0 0 0 1500 1500
ii Factory & Office
Building 1500 1500 3000 1500 1500 3000
iii Imported
Machinery 5474.89 608.33 6083.22 5474.89 608.33 6083.22
iv Local Machine 1350 150.06 1500.06 1350 150.06 1500.06
v Erection and
Installation 0 280 280 0 280 280
vi Vehicles 0 282 282 0 282 282
vii Utility 0 0 0 0
viii Furniture,
fixture, others 0 120.3 120.3 0 120.3 120.3
ix Security deposit 0 0 0 0
x Preliminary,
misc expense 0 205 205 0 205 205
Total 1500 8324.89 3145.69 11470.58 64.00% 36.00% 12970.58
b)Particulars of the Project:
i Project location : Chinishpur, Narshingdi Sadar, Narshingdi

ii Land Area : 119.75 decimal
iii Description of factory Building : proposed 03 storied building [ 120000 sft]
iv Owner of the Land & Building : Doreen Printing & Dyeing Ltd.
v Source of Power supply : 1.05 KW captive power from 4HP boiler, 8 Ton steam from 2LP Boiler , 22 MW
co-generation power plant
vi. Source of Gas supply N/A
vii Daily production time (Hours) : 16 hours [ 02 shift]
viii Yearly production time (Days) : 300 days
ix Details of Raw Materials Dyes & Chemical
x Daily Production Capacity : 3700 doz of denim [ Wasing, Dying & sandblasting]
xi Yearly expected Sales : Tk. 5356.80 Lac
xii Selling price per unit : Tk. 487.00/doz
xiii Cost price per unit : Tk. 200.00/ doz
xiv No. of employee 2700
xv Name of the Buyers : Product will be export to Sweden, UK, Germany & Italy
xvi Compliance Certificate YES
xvii BOI Permission YES
xviii Fire Protection license Yes
Page 17 of 29
c) Particulars of the factory building: (Proposed)
Particulars of construction : Measurement (sft) Rate Total
Unit
Mobilization & erection of Temporary site office LS 25.00
Earth work (cutting) SFT 200000 3.22 5.44

Earth Work (Filling) SFT 150000 12.2 18.30
Protective Work SFT 34000 112.4 38.21
R.C.C in pile cft 23098 399 92.16
Steel work : Ton 50.96 91050 46.40
Pre cast pile drive cost rft 36683.4 250 91.70
R.C.C in pile cap cft 16042.7 405 64.97
Steel work in pile cap Ton 70.79 91050 64.45
CC work in pile cap cft 1336.68 233.42 3.12
Column upto GB cft 914.07 405 3.70
Steel work ton 8.07 91050 7.34
RCC in grade beam cft 9807.04 405 39.71
Steel work Ton 54.09 91050 49.25
DPC work sft 40000 40 16.00
RCC in ground floor cft 26666.8 405 108.00
Steel work ton 58.84 91050 53.57
RCC in column cft 4439.56 405 17.98
steel work ton 39.18 91050 35.67
RCC in UGWR cft 631.16 405 2.55
Steel work ton 1.39 91050 1.26
RCC in floor beam cft 11653.8 567 66.07
Steel work ton 64.28 91050 58.52
RCC in floor cft 26666.8 567 151.20
Steel work ton 58.84 91050 53.57
Steel work Ton 39.18 91050 35.67
Steel work ton 64.28 91050 58.52
RCC in floor cft 26666.8 567 151.20
Steel work ton 58.84 91050 53.57
Steel work Ton 39.18 91050 35.67
Steel work ton 64.28 91050 58.52
RCC in floor cft 26666.8 567 151.20
Steel work ton 58.84 91050 53.57
Page 18 of 29
Steel work Ton 39.18 91050 35.67
RCC in OHWR cft 1686.43 567 9.56
Steel work Ton 3.72 91050 3.38
10" brick wall cft 60000 216.1 129.66
wall plaster sft 110000 40 44.00
other plaster sft 40000 45 18.00
window sft 5117.59 850 43.49
collapsible gate sft 2000 446.18 8.92
Floor Finish sft 48000 178.15 85.51
Paints sft 88000 20 17.60
landscaping and beautification 35.00
LS
Electrical LS 352.74
Plumbing LS 235.16
others LS 61.61
Total 3000.01
Note: the factory building will be constructed under certification of LEED 2009. As such construction cost will be
higher than standard benchmark.
e)Details of Machinery (To be imported):
SL Description Country of YOM Quantity Unit Price Total Amount

Origin
FC BDT FC BDT
1 Waster Heat India 2017 1.00 950000.00 83600000.00 950000.00 836.00
Recovery
Boiler
2 Condensing India 2017 1.00 608000.00 53504000.00 608000.00 535.04

Turbine Set
3 Exhaust Gas India 2017 1.00 629500.00 55396000.00 629500.00 553.96
Duct
4 MKM 525-D Turkey 2017 10.00 48400.00 3872000.00 484000.00 387.20
Washing &
Dyeing
Machine
5 MKM 525 Turkey 2017 10.00 42350.00 3388000.00 423500.00 338.80
Stone Washing
Pachin
6 D-2223 Turkey 2017 7.00 41800.00 3344000.00 292600.00 234.08

Centrifugal
Hydro-Extractor
7 D-2219 steam Turkey 2017 15.00 35200.00 2816000.00 528000.00 422.40

Dryer
Page 19 of 29
8 DCN 029 Turkey 2017 1.00 31900.00 2552000.00 31900.00 25.52
sample
Washing
Machine
9 D-2214 sample Turkey 2017 1.00 16500.00 1320000.00 16500.00 13.20
Dryer
10 D-2220 sample Turkey 2017 1.00 13200.00 1056000.00 13200.00 10.56

Centrifugal
Hydro-
Extractor
11 CN-8281 A Turkey 2017 7.00 4400.00 352000.00 30800.00 24.64

Vertical
Brushing robot
12 CN8282 Turkey 2017 15.00 3025.00 242000.00 45375.00 36.30

Horizontal
Brushing Robot
13 Chemical spray Turkey 2017 1.00 12650.00 1012000.00 12650.00 10.12

machine
14 CN 8284 Turkey 2017 2.00 30800.00 2464000.00 61600.00 49.28

Automatic
Chemical
Spray Machine
15 CN 8284 full Turkey 2017 1.00 35200.00 2816000.00 35200.00 28.16

automatic
chemical spray
machine
16 CN 8286 Turkey 2017 2.00 4400.00 352000.00 8800.00 7.04

17 CN 9315 Turkey 2017 2.00 22000.00 1760000.00 44000.00 35.20
octopus Natural
crinkle machine
18 CN 8210 u tern Turkey 2017 1.00 66000.00 5280000.00 66000.00 52.80

conveyor
19 Samples Italy 2017 1.00 43200.00 3801600.00 43200.00 38.02

washing
machines with
no stone
system
20 Sample Dyeing Italy 2017 1.00 62100.00 5464800.00 62100.00 54.65

Machine
Page 20 of 29
21 Bulk Wasing Italy 2017 1.00 59400.00 5227200.00 59400.00 52.27
Machine
22 Low speed Italy 2017 12.00 59400.00 5227200.00 712800.00 627.26

washing
machin
23 Cover line Italy 2017 2.00 9000.00 792000.00 18000.00 15.84
24 High Speed Italy 2017 2.00 126000.00 11088000.00 252000.00 221.76
washing
Machine
25 Spraying Italy 2017 4.00 28800.00 2534400.00 115200.00 101.38
System
26 Low speed Italy 2017 2.00 103500.00 9108000.00 207000.00 182.16
dyeing machin
27 Washing Italy 2017 2.00 180000.00 15840000.00 360000.00 316.80

Machine with
destroyer
28 3D Wiskers 1.00 171000.00 15048000.00 171000.00 150.48

Machine
29 Hydro with 130 Italy 2017 5.00 45000.00 3960000.00 225000.00 198.00
kg capacity
30 Sampling Dryer Italy 2017 1.00 15300.00 1346400.00 15300.00 13.46
31 Dryer with Italy 2017 12.00 45000.00 3960000.00 540000.00 475.20

infrared
32 Automatic Italy 2017 1.00 40500.00 3564000.00 40500.00 35.64
Loading
System
Total 6083.22
f) Details of Machinery (To be procured locally):
SL Description Country of Origin YOM Quantity Unit Price Total Amount BDT
in BDT
1 Air operated with sefly locking guard Bangladesh 2017 2 44 88

compressor
2 Electic Cable Bangladesh 2017 LS 210.23
Page 21 of 29
3 Celling Fan Bangladesh 2017 2600 2550 52.53
4 Tube Light Bangladesh 2017 1550 1100 17.05
5 Electrical works Bangladesh 2017 LS 9.8
6 Installation & Firefighting Equipments Bangladesh 2017 83.1
7 Screw Chiller Bangladesh 2017 1 66 66

8 Split AC Bangladesh 2017 15 0.9 13.5
9 Installation equipment Bangladesh 2017 LS 2.25
10 800 KVA Generator Bangladesh 2017 1 80 80
11 Auxilary Boiler Bangladesh 2017 1 80 80
12 BOP Materials Bangladesh 2017 LS 297.6
13 Naturalize Tank Bangladesh 2017 2 35 70
14 Chamical dosing unit Bangladesh 2017 1 100 100
15 Primary setting tank Bangladesh 2017 1 35 35
16 Areation chember Bangladesh 2017 1 3 3
17 Final setting Tank Bangladesh 2017 1 35 35
18 Multi filter Bangladesh 2017 2 28 56
19 Carbon Filter Bangladesh 2017 2 25 50
20 Filter Press Bangladesh 2017 2 20 40
21 Root Blower Bangladesh 2017 6 1.5 9
22 Pump Bangladesh 2017 20 1.3 26
23 Gear Blower Bangladesh 2017 6 1.5 9
24 Electrical Panel Bangladesh 2017 1 25 25
25 Cable Bangladesh 2017 1 12 12
26 Piping with valves and fitting Bangladesh 2017 1 30 30
Total 1500.06
PRICE VERIFICATION (For purchase / import of machinery/ equipment):

Visit Report of Factory/Business of the client by the Branch : Details Report to be provided
g)Profitability
Description Yr-1 Yr-2 Yr-3 Yr-4 Yr-5
Assumed capacity 60% 70% 75% 80% 85%
Sales/Revenue 5356.80 6249.60 6696.00 7142.40 7588.80
Cost of Goods Sold 3186.23 3693.97 3855.46 4019.99 4187.39
Gross Profit 2170.56 2555.62 2840.53 3122.40 3401.40
General & Administrative Expenses 313.47 320.04 326.89 334.02 341.45
Page 22 of 29
Selling Expenses
Operating Profit 1857.09 2235.58 2513.64 2783.78 3059.94
Financial Cost 81.53 85.61 723.29 686.12 646.62
Other Expenses
Net Profit before tax 1775.55 2149.96 1790.35 2102.24 2413.32
Tax 621.44 752.48 626.62 735.78 844.66
Net Profit after tax 1154.11 1397.47 1163.72 1366.46 1568.65
Debt Service Coverage ratio 22.78

Break Even Point
a Projected year 3rd Year

b Sales Amount 6696.00 Lac
c Capacity Utilization 75%
Net Present Value (NPV)
Internal Rate of Return (IRR) 14.02%
Pay Back Period 6.81 Years
h) Environmental Risk Rating (EnvRR):
Sector : Washing & Dyeing

Industry Type : RMG
Risk Category : Green
General Environmental Due-Diligence Checklist (General EDD) Low
Sector Environmental Due-Diligence Checklist (Sector-specific EDD) Low
Combined Outcome (EnvRR) Low
31. Particulars of Building & Related information (For developer Financing): N/A
32.Particulars of building construction (other than developer): N/A
33. Marketing Prospect (Highlighting Demand supply gap and competitors position):
Reasons for increasing Demand:
i. Cheaper source of Labor

ii. Cheaper infrastructure facilities
iii. Generalized system of preference (GSP) facility
iv. Development of appropriate sweater technology to cater the international market demand.
v. Tax holiday benefit for 10(Ten) years for newly set up export oriented industries.
vi. EPB (Export Performance Benefit) facility .
34.Competitive position of the client :
(a) Market Share of the client : 3.31%
(b) Name of 5 large competitors

Name Address Sales Market Share
Hams Washing & Dyeing Ltd. 190, Tejgaon I/A, 2nd floor, Dhaka-1208 90.32 Crore 6.23%
Mohammady Washing & Dyeing 2/A, 1/107, Mirpur, Dhaka-1216 79.01 Crore 5.45%
Atlanta Washing Plant Plot#2, Rd#1, Sec#7, Mirpur 70.89 Crore 4.89%
Rd#1, Plot#5, Block#K, Rupnagar ( I/A), 58.42 Crore 4.03%
Tex Care (washing & Dyeing Plant)
Mirpur
Page 23 of 29
Unique Washing & Dyeing Ltd. Kalemeshar, K.B. Bazar, Gazipur 55.82 Crore 3.85%
(c) Name of 5 large suppliers & customers :
Name & address of 5 major suppliers of the client from whom Name & address of 5 major customers of the client to whom
traded items /raw materials are purchased traded items are sold
Name Address Name Address
Cygnus Local Doreen Garments Ltd 50-60, Dhakkin Panishall, NK Link
Road, Bangladesh
Nafiz Enterprise Local Doreen Apparels Ltd 40-45, Dakkhin Panishail, N.K. Link
Road, Gazipur, Bangladesh
S & D Chemical Pvt Srilanka Doreen Fashion Ltd. New # 1351/1, Shewrapara, Mirpur,
Ltd. Dhaka - 1216
D.S Biochemicals India Doreen Attire Ltd. 21-23, Kazi Nazrul Islam Avenue
Dhaka - 1000 Bangladesh
Intersac Turkey Disegno Fashion Ltd. Chinishpur, Narshingdi Sadar,
Narshingdi.
35. Risk Assessment: Possible risk as identified against the proposed approach & its mitigation:
SL Category of risks Risk Mitigations

a. Financial risk : Finished goods will be sold to pre determined customers
- Lower sales as well as group SBUs
Business/Industrial Risk : Clients customer base is strong. Growth of the sector is
Market Competition. strong
c. Management Risk: Group maintains a group of loyal employees. Adequate
- No major risk observed management set-up in different sections of the Group is
observed.
Top management is highly educated with long experience
Page 24 of 29
of family business conglomerates.
d. Security Risk : Fully covered investment.
(security coverage/Collateral coverage/support) Facility is controlled credit, so the chance of fund
diversification is minimal.
Relationship Risk : Uninterrupted relationship
(Account conduct/utilization of limit/Compliance of
covenants & conditions/ Personal deposits)
Environmental Risk( General/sector specific) : Major portion of machinery will be imported. The group
has several concerns in the similar line of business,
which would be an added advantage.
Other Possible Risk : Per capita income is growing
36. SWOT Analysis relative to Competitors :

(a) Strength : Good family reputation in the line of business, sponsors are young, hardworking
and energetic
: Experiences in successful management of similar line of business.
: Strong relationship, rapport with different stakeholders.
: Sound personal net worth
Highly Qualified to understand the Global Business.
(b) Weakness : Working capital & Banking facilities
(c) Opportunity : Huge demand supply gap
: Existing image of the company
: Increasing industry demand for the spinning.
(d) Threats : Competition from other business organization.
Limited sources of raw materials
: Global Recession.
37.Justification of the Proposed Facility:
Sponsors of the company are experienced enough in the line of business.

The client has good reputation in the market in the related field.
The company is directed by a team having highly professional experience and skill in the related field.
The Bank will have an opportunity to get more business using clients network.
Products produced by the company have demand enough in the market.
The branch will earn a sum of Tk. 286.63 Lac from the client in next year.
38. Details of the proposed facility:
Facility 01: S. Term Letter of Credit (LC):
Page 25 of 29
a Name of the Facility : S. Term LC (Sight/DP/UPAS)
b Amount : Total Tk. 6083.22 Lac
c Purpose : To import capital machineries
d Margin : @10 % cash [ 5% at the time of opening + 5% at the time of retirement]

e Commission : @0.20% per quarter
f Discounting Factor : LIBOR + 6%
g Service Charge : As per banks schedule of charges
h Processing Fee : As per bank Schedule
i Mode of Disbursement : Through L/C Opening
j Mode of Repayment : Through cash payment and subsequent TR facility.
k Installment size : N/A
l Tenor : 01(One) year.
m Grace Period : N/A
n Validity : 01(One) year.
o Security : Hypothecation of goods and stock in trade under Banks Finance.
Postdated cheque covering full limit
Facility 02: Subsequent HPSM-1 (Machinery) :
a Name of the Facility : Subsequent HPSM -1 (Machinery)

c Purpose : To retire import documents under facility 01
d Profit Rate : IBBR +6% [ FSSP]

i Processing Fee : As per bank Schedule
j Mode of Disburdement : Payment will be made directly only to retire import documents under facility 01
k Mode of Repayment : Through equal monthly installment
l Installment size : 91.74 Lac (Approx.)
m Tenor : 10 years
n Grace Period : 02 years
o Validity : 10 year.
p Security : Hypothecation of goods and stock in trade under Banks Finance.
Note: IBBR Rate = 0.92 (Approximate)
Facility 03: HPSM-2 (Machinery) :
Page 26 of 29
a Name of the Facility : HPSM-2 (Machinery)
c Purpose : Procurement of local machinery
d Profit Rate : IBBR+6%

j Mode of Disburdement : Payment will be made directly to the supplier of the goods to be purchased under HPSM
through P.O./DD or through buying agent as per Head Office instruction Circular No-
2001/5 dated 29.08.2001.
l Installment size : 22.63 Lac (Approx.)
m Tenor : 10 years
n Grace Period : 02 Years
o Validity : 10 year.
Facility 04: HPSM (Real Estate) :
a Name of the Facility : HPSM (Real Estate)

c Purpose : To incur civil construction cost.
d Profit Rate : IBBR+6%

j Mode of Disburdement : Payment will be made directly to the supplier of the goods to be purchased under HPSM
through P.O./DD or through buying agent as per Head Office instruction Circular No-
2001/5 dated 29.08.2001.
l Installment size :
25.13 Lac (Approx.)
m Tenor :
10 years
n Grace Period :
02 Years
o Validity :
10 year.
39.Security:
For all facilities a Personal guarantee of the Directors of the Company.

b Personal guarantee of the spouse of the Directors of the Company.
c Hypothecation of Imported machineries
d Creation of 1st charge with RJSC on fixed and floating assets
e Post dated cheque covering full limit
f Personal guarantee of mortgagor of the property mortgaged/ to be mortgaged.
g Registered Mortgage along with Registered Irrevocable Power Attorney authorizing the Bank to
dispose of mortgaged property as detailed in serial # 07 without intervention of the Court.
40. Other information/Special Condition:
Further Scope of Finance:

Page 27 of 29
After successful installation of machinery they will start production and require working capital assistance for Taka 1450.00 Lac as follow:
a. LC (Sight/UPAS) : Taka 500.00 Lac

b. Baim (TR) : Taka 450.00 Lac
c. Baim (com) : Taka 500.00 Lac
Alternate method of Finance:
Proposed facility will be financed under FSSP of Bangladesh Bank. If it is not approved, then we will finance the same using our own fund. In
that case our rate of profit will be 10.50% p.a
41. Audit objection, if any: N/A
42. Declaration of the Branch:

The Branch hereby declares that:
1. The proposal/ memo made as per guideline of Investment (Credit) Risk Management Policy of the Bank;
2. All Circulars, guidelines and policies of Head Office, Bangladesh Bank and other regulations have been complied in related to
the said proposal;
3. Due diligence have been done while processing the memo;
4. All information, data given in the memo are correct;
5. The proposal forwarded after compliance of Banking Company Act and Islamic Shariah;
6. All terms and conditions have been complied with against existing facilities as per sanction advice including obtaining of charge
documents and execution of Registered Mortgage of the property and all the securities & documents are in safe custody
and duly posted in the Safe-in-Safe out Register;
7. The building is being/ has been constructed as per approved plan of RAJUK/ CDA/ Competent Authority;
8. Valuation of the collateral has been properly made
9. All necessary documents establishing the borrowers legal entity have been obtained
10. The borrower is not a director/shareholder of our Bank ( if yes, the extent of share holding and value)
11. The borrower is not a director/shareholder of other Banks (if yes, mention the name of the bank)
43. Specific recommendation of the Branch:
Page 28 of 29
Considering applicants experience, sincerity, Market reputation, No cost of deposit and genuine requirements for the investment we strongly
recommend for:
A. Single Term LC Limit to import 02 set of Washing Machinery for Euro 2,821,500 & USD 2,094,125 and Co-generations
Machinery for EURO 2,187,500 along with Subsequent HPSM only for 10 years with 02 years gestation period under FSSP of
Bangladesh Bank as follows:
LC (Sight/DP/UPAS) : Taka 6083.22 Lac

B. Single Term HPSM limit for purchase local machinery & establishment of an ETP Plant only for 10 years with 02 years gestation
period under FSSP of Bangladesh Bank as follows:
C. Single Term HPSM limit for civil construction only for 10 years with 02 years gestation period under FSSP of Bangladesh Bank as
follows:
HPSM (RE) : Taka 1500.00 Lac
Mohammad Khurshad Alam Mohammad Mainul Haque Muhammad Mahmudul Hassan

SEO & Investment In-charge SAVP & Operation Manager SAVP & Manager
Page 29 of 29

Proposal 2017

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Social Islami Bank Limited

New Eskatan Branch

Subject Proposal for

LC (Sight/DP/UPAS) : Taka 6083.22 Lac

HPSM-2 (Machinery) : Taka 1350.00 Lac

HPSM (RE) : Taka 1500.00 Lac

Security: 1. 10 % cash Margin [ 5% at athe time of opening + 5% at the time of retirement]

A/C: Doreen Printing & Dying Ltd.

(All figures in this memo is in Lac Taka)

Grand-Total 9608.28 8933.22

02.Information Regarding the Client:

Name of the Client : Doreen Printing & Dyeing Limited

Particulars Type of Facility Existing Rate Proposed Rate

Details liability as per CIB report :

*Remarks Regarding overdue/SMA/CL liability

05. Project Information:

*** PROPOSED FINANCE

Y-1 5356.80 2170.56 1154.11 15422.20 9912.73 5509.47

Liabilities & Capital Assets and Properties

Particulars Amount Particulars Amount

Retained earnings up to last year 1155.33 Closing Stock 254.45

Net profit during the year Security deposit/Advances

Share money Deposit Sub-Total (a): 2756.79

c. Term Liability Vehicles 282.00

08. Income Statement: Based on Projected financials

Particulars Y-1 Y-2 Y-3

# Comments on financials results----------------------------------------------------------------------------------------------

09. Cash flow analysis:

Particulars Y-1 Y-2 Y-3

Surplus 1623.72 1867.09 947.18

10. Particulars of applicants/proprietor/partners/directors :

11. Details Net worth of the Proprietor/ Partners/ Directors

12. Successors Information (2 nd line Management):

Name Relation with the borrower Age Education Experience

13. Management including Technical staff:

14. Particulars of sister/allied concerns:

Name of Concerns Owners Name Designation Share (%) Nature of Business

15. Lending Category:

i. Agriculture (AG) vii. Commercial Lending (Com)

17.Credit Rating Report : N/A

18. Stock Report: N/A

Owned By Doreen Printing & Dyeing

Butted and bounded by:-

Owned By Doreen Printing & Dyeing

Butted and bounded by:-

North:- Humaiyun and others.

** Mutation is under process

Owned By Doreen Printing & Dyeing

Butted and bounded by:-

North:- Anowarul Haque Chowdhury.

** Mutation is under process

Owned By Doreen Printing & Dyeing

Butted and bounded by:-

North:- Doreen Printing and Dyeing Ltd.

** Mutation is under process

Owned By Doreen Printing & Dyeing

Butted and bounded by:-

North:- Moklesh Chowdhury and others.

** Mutation is under process

Owned By Doreen Printing & Dyeing

Note: land documents are not submitted.

Forced Sale Value :

120000 sft floor space @ Taka 2000

Machinery (written down value) : Market Value: