Annexure M.S

8/11/2019 Annexure M.S

1/41

Borrower s Name Branch s Name Region s Name

M/S Muhammad Hanif Weaving

FactoryCITY BRANCH Faisalabad

CAM

TYPECORE ANNEXURES OTHER

ANNEX

CAM R C-1 to C-13 O-1 to O-4

CAM EF C-1 to C-14 O-1 to O-7

CAM N C-1 & C3 to C-14 O-1 to O-7

CAM M C-2, C-5, C-7, C-10 & C-11 O-8

CAM-A C-1, C-2, C-4, C-5, C-6, C-8, C-9, C-10 & C-11 O-1 & O-2

Anex No Annexure Title Anex No Annexure Title Anex No

C-2 Conduct of Account Review Certificate C-5 Prudential Regulations Checklist C-14 Tex

C-3(a) Exposure Calculation Sheet (ECS-1) C-6 Security Charge SummaryC-14

(Flour)

C-3(b) Exposure Calculation Sheet (ECS-2) C-8 Business/Earning/Deposit Exhibit O-1

C-4 R Financial Highlights for CAM-R, CAM-A C-9 Regional Office Certificate O-2

C-4 EFNa Financial Highlights for CAM-EF & CAM-N C-11Utilization Sheet for CAM R, EF, M, A /

Bankers Report for CAM -NO-3

C-4 EFNbIncome Statement & Ratio Analysis Sheet for

CAM-EF & CAM-N CasesC-14 Working Capital Finance Assessment Sheet O-4

C-4 EFNc Balance Sheet & Income Statement for CAM-EF & CAM-N Cases

C-14 (Cash) Working Capital Finance AssessmentSheet(Cash Cycle Approach)

O-5

C-4 EFNdCash Flow Statement for CAM-EF & CAM-N

CasesC-14 (Op)

Working Capital Finance Assessment Sheet

(Operating Cycle Approach)O-6

C-14

Ginning


(For Ginning Mills)C-12

Turn Around Sheet (provided as word

documents)C-1

Capex details Exhibit (only applicable for Long T

Financing)

Terms Sheet (provided as word documents)

CREDIT APPROVAL MEMORANDUM / SET OF ANNEXURES

Group Profile & Exposure Summary

Inter-Company Borrowing Exhibit (only applicab

Long Term Financing

Standard Format For Exemption In PRs ( as per

Circular No: 28/2004)

Details of Assets (only applicable for Long TermFinancing)

Annexure Title

Working Capital Finance Assessment Sheet (For Units)

Working Capital Finance Assessment Sheet (For

Mills)

Liabilities At Other branches

GUIDE TO ANNEXURES

USER'S GUIDE

Before preparing Annexure, please fillup this sheet

Enter the Borrower's name and the Branch's name in this "STARTING PAGE", same will

appear in all the Annexures

To access the desired sheet, click the "Annexure Title" cell. And to return to the ANNEXUR

MENU, click the Main Menu button appearing on the upper right corner of the sheets

KEY FOR ANNEXURES WITH MEMO

Please Note the Annexure C-1 and C-12 are Word Documents, therefore provided with CAM

formats

Since Annexures are interlinked, data entered once in a annexure are repeated automaticly

other annexures using the same data, it is suggested that annexures are filled up in the pescr

sequence

ANNEXURE MENU


2/41

Annexure: C-2

Conduct of Account Review CertificateBorrower's Name:

Branch's Name:

S. No Critical Factors YES NO NA

A- CONDUCT OF ACCOUNT

1 Overall dealings of the client is satisfactory YES

2 Markup is paid quarterly /Installments are timely paid; mention the date up to which Muphas been recovered, in the last column

YES

3 Turnover maintained in the account is not below 1 time of the sanctioned limit NO

4 Limit was utilized to its full extent YES

5 Non-fund based limit did not remain under utilized NA

6 No extension in BE/bills payment allowed during the currency NA

7 No export bill is presently o/s beyond its maturity date. NA

8

No Over Drawing/excess drawing has been allowed during the currency? In case of NOplease mention the amount of OD & time period for regularization of the account at the

"Comments" portion of the memo

NO

9 Movement in the stocks has been satisfactory YES

10No change / deviation allowed in the approved terms and conditions during the currency ofloan, if no then elaborate changes/amendments in the "Comments" portion of the memo

YES

11No restructuring allowed during the period under review, if No please mention it at relevantportion of the memo

YES

12 Rescheduling, if any, has been implemented & all terms & conditions are complied YES

13

The borrowers business premises have been visited by the Branch Manager / Officer at leastonce during the last 3 months and visit / call report bearing their signatures is on Branchrecord.

YES

14

Borrowing powers of the borrower are in order (i.e. Board Resolution, Memorandum &Articles of Association, Bye-laws, Regulations etc. as applicable according to the legal statusof the borrower explicitly allow borrowing from banks and creation of encumbrance on the

assets of the borrowing entity). (applicable in case of fresh/enhancement in limits forexisitng borrowers)

YES

15 Financial covenants required under the approval / sanction were fulfilled YES

B- SECURITY

16Does the primary security held by the Bank covers the existing outstanding and the requiredmargin as per the approved terms and conditions

YES

17 Statement of goods hypothecated received monthly (in case of primary security) YES

18 Stocks, if held as security, were inspected at regular intervals.

19During the Inspection held on (specify the date at last column) pledge conditions related to stocksas well as godown, were found satisfactory as per the Bank's prescribed policy/procedure

NA

20

All documentation in respect of finances have been executed as per the sanction/ approvalduly vetted & cleared by BLA, and their final clearance for completion of documents wasobtained. (mention any deviation / non compliance in the Memo)

YES

21

Valid insurance policy(ies) covering NBPs security is/are held alongwith original premiumpayment receipts, and the policy (ies) cover the risk of RSD, MD, Fire, Theft and Burglary

and all pertinent risks.

YES

22 Mortgage charge / lien/pledge on the securities under the credit facilities perfectly created /duly registered with the concerned authority to the extent of required amount

YES

23 In case of ltd Cos. the charge registered charge filed with the SECP authorities NA

M/S Muhammad Hani

CITY BRANCH

Page 2


3/41

Annexure: C-2

Conduct of Account Review CertificateBorrower's Name:

Branch's Name:

M/S Muhammad Hani

CITY BRANCH

24FreshSearch Certificate/Search Report confirms that our charges are intact & no furthercharge has been registered against the mortgaged property without obtaining NOC from us

NA

25No NOC issued (during the currency of limit) ranking paripasu to our charge or superior to

our charge thus diluting our securityNA

26 NOC in favor of NBP has been obtained from the senior creditors and kept on record NA

27Lead bank's letter confirming holding of original documents on our behalf has been obtained(where applicable)

NA

28

No Irregularity / objection were raised during the course of audit & Inspection. (In case ofNO please mention the objection and its rectification status at the relevant portion of thememo)

YES

29

No instance(s) of Exception relating to violation of the Bank's procedure/policies occuredduring the currency. In case of No please brief the nature of exception and its rectification

status at the relevant portion of the memo .

YES

30

No instance of shortage/shortfall? In case of No please mention the amount of shortage &time period taken to restore the required stock position/regularization of the account in the

relevant portion of the memo

YES

C- BUSINESS PERFORMANCE / RECIPROCITY

31Borrowers passed on sufficient business which commensurates with the amount of limit.(Details at Anx C-8 )

NO

32There has been no significant reduction in the size of business passed on to NBP, during the

currency of loanYES

33 Additional business committed in lieu of availing special M/U rate has been passed on NA

D-

34There is no change in the constitution / legal status of borrower business entity during thecurrency of loan

YES

35 There is no change in the composition of directors/partners during the currency of loan YES

36 Any new venture/diversification undertaken by the borrower or the Group NO

37No negative reputation about the General reputation of each partner/director in the markethas been received from the market/any other source.

YES

E-

38 The worth of the borrowing companies/firms has not undergone any adverse change YES

39There has been no alarming loss in the business, thereby diminishing the assets of thebusiness as well as banks security (as per the latest audited accounts)

YES

40Financial stature of the company/concern meets the SBP Prudential Regulations as per the

latest audited balances sheet (details given in the Credit Approval Memo)YES

41 No qualification (s) made by auditors YES

42No disinvestment/business line/ factory/shop closed down during the currency of the loan

by the borrower or the GroupYES

43 Any substantial addition in long term borrowings for regular CAPEX? NA

44 Any downward change in the Risk rating of the borrower NO

F-

45Any sister concern A/C with us has not moved to problem account/ watch list category, ifNo please provide details at relevant portion of the memo

NA

46The borrower's account has not been/ was not catagorized as watchlist account during the

currency of loan YES

Date: Branch Manager Signature:

Branch Manager Name:

OWNERSHIP :

FINANCIAL HEALTH / OPERATING PERFORMANCE

WATCH LIST

Page 3


4/41

Annexure: C-2

Conduct of Account Review Certificate

Particulars ( page No. of

memo bearing remarks)

31-12-2011

Mention expiry date of policy:

Date of Certificate:

Date of Report:

f Weaving Factory

Page 4


5/41

Annexure: C-2

Conduct of Account Review Certificate f Weaving Factory

Names of senior creditors

Mention SR date

Page 5


6/41

Annexure -C-3

(ECS-1)

EXPOSURE CALCULATION SHEET (For R-5)

Branch's Name:

Clean Secured Clean Secured

1

2

3

4 0.950

56

7

8

9

0.000 0.950 0.000 0.000

Less:

1 0.000 0.000 0.000 0.000

0.000 0.950 0.000 0.000

1

2 0.000 0.000 0.000 0.000

3 0.000 0.000 0.000 0.000

0.000 0.950 0.000 0.000

1 0.000 0.000 0.000 0.000

2

3 0.000 0.000

0.000 0.950 0.000 0.000

1

2 0.000 0.000 0.000 0.000

3

4

5

6

0.000 0.000 0.000 0.000

10

11

12

0.000 0.000 0.000 0.000

Less:

1 0.000

2 0.000 0.000

0.000 0.000 0.000 0.000

0.000 0.950 0.000 0.000

Paid up

Capital

General

Reserve

Acc. Profit / Loss

(loss to be entered with

negitive sign)

Bal in Share

Premiun A/C

Reserve For

Bonus

Share

Subordina

ted loans

Revaluatio

n ReserveTotal

8.499 -1.200 1.446 8.745

0.000

S. No Regulation No. Yes / No Exposure Equity Base Excess/Short

R-5 YES 0.950 87.450 86.500

R-5 YES 0.950 104.940 103.990

R-5 YES 0.950 34.980 34.030

R-5 YES 0.950 69.960 69.010

3 R-4 YES 0.000 NA 0.500

Note:

1. Don't enter data in the "Compliance Status" box and in the shaded cells as these will be automatically filled up. Figures appearing are exemplary.

2. The above Regulation is not appicable to cases referred to CRIC, for five years from the date of exemption)

3. R-5 is not applicable to Ginning and Rice Husking units, as such this sheet need not be prepared while extending finance to those who

don't have backward/ forward processes.

Borrower's Equity

(calculated as Per

R-5)

Packing FinanceSBP Export Refinance

Demand Finance

Bills Of exchange under LCs. / FIM/LIM

Others

Core Fund Based Faciliti es

Exemptions under Exposure Defin inti on:

Bills Purchased / Discounted meeting the following criteria:

i. Bills should be that of drawn against the LCs of Banks / DFIs rated atleast"A" by Standard

& Poor, Moody's ,and Fitch- Ibca or credit rating agency on the approved panel of SBP ii.

Dully accepted by such L/C issuing banks/DFIs

Total Non Fund Based Exposure As Per R-5

Exemptions under R-5:

Finance provided to ginning and rice husking factories

Bills Purchased / Discounted

Lease Financing

Running finance

Cash finance

B- III: OTHER FORMS OF FINANCING / OBLIGATIONS:

Any financing facility extended on the guarantee of the person

Core Non Fund Based Facil ities

Acceptance / endorsements made on accountAny other liability assumed on behalf of the client to advance funds pursuant to a contractual

commitment.

2

Exposure Fully secured against Liquid Assets held as collateral

Others

Financing obligations undertaken on behalf of the Person under any Guty

Clean financing covered by the guarantee of Pakistan Export Finance Guarantee Agencey

Total Fund Based + Non Fund Based Facilities

Exposure Fully secured against Liquid Assest held as collateral

1

Total F und based Exposure as per R-5

Credit facilities extended through Corporate Cards

Book value of subscription to or investment in the following if issued or guaranteed by the

persons:

(i) PTCs (i) TFCs or any other Commercial Papers

L/Cs Outstanding

Documents Delivered Against Acceptance

Any financing facility extended or bills purchased / discounted on the guarantee of the person

B-I : LETTER OF CREDITS: (Any financing obligations undertaken on behalf of the person

under Letter of Credits(including a stand by L/C or similar instrument)

Total Fund based E xposure as per Basic Defin iti on

Exemptions under R-5:

Export finance

Finance provided to ginning and rice husking factories/ units

Financing obligations undertaken on behalf of the Person under under writing commitment

Loan Repayment Financial Guarantees issued on behalf of the person

B- II: GUARANTEES:

Total Non F und Based Exposure As Per Basic Definiti on

TYPES OF FINANACING

PART II - SBP PRs COMPLIANCE STATUS

A- FUND BASED

B- NON FUND BASED

A- I: ALL FORMS OF FUND BASED FINANACING

EXPOSURE FOR COMPLINACE OF R-5

Proposed from NBP Exsisting From Other Banks

A- II : OTHER FORMS OF FINANCING/OBLIGATIONS :

Core F und based less exemptions

Borrower's Name: M/S Muhammad Hanif Weaving Fac CITY BRANCH

PART I - EXPOSURE CALCULATION

Clean Exposure Shall not Exceed Rs. 500,000/- from all banks

REGULATIONS

Total Exposure does not exceed 10 times of borrower's EquityTotal Exposure does not exceed 12 times of borrower's Equity

(applicable only under seasonal financing and for maximum upto 6 months)

Total Fund Based Exposure does not exceed 4 times of equitty

Total Fund Based Exposure does not exceed 8 times of Equity

(applicable only nder seasonal financing and for maximum 6 months)


7/41

Annexure : C-3(ECS-2) EXPOPSURE CALCULATION SHEET (For compliance of R-1 )

Branch's Name: CITY BRANCH

Exposure

against

exem tions

Required

Weightage

Net

Exposure/

Exem tions

0.950 NA 0.950

Less:

i 100% 0.000

ii 100% 0.000

iii100% 0.000

iv 90% 0.000

v 90% 0.000

vi 90% 0.000

vii 90% 0.000

viii85% 0.000

ix 85% 0.000

x50% 0.000

NA NA 0.000

NA NA 0.950

0.000 NA 0.000

i 50% 0.000ii 50% 0.000

iii 50% 0.000

iv 100% 0.000

v100% 0.000

vi 100% 0.000

vii 100% 0.000

viii 100% 0.000

ix100% 0.000

x90% 0.000

xi 90% 0.000

xii 90% 0.000

xiii90% 0.000

xiv 85% 0.000

xv 85%0.000

xvi50% 0.000

NA NA 0.000

NA NA 0.000

NA NA 0.950

Paid up Capital General ReservesBalance In Share

Premium A/C

Accumulated

Profit / Loss

Reserve for

Bonus Shares

Revaluation

Reserves*

(50%)

Statutory

ReserveTotal equity

0.000 0.000 0.000

(1)* subject to conditions specfied in PRs. (2). Statutory Reserve to be part of Bank's equity.

S. No. Reg. No Yes / No Equity Base Exposure Excess/Short

1 R-1 NO 0.000 0.950 -0.950

2 R-1 NO 0.000 0.950 -0.950

Note: 1 Data need not to be entered in to the "Compliance Status" box and the shaded cells as these will be automatically filled up

2

3

Borrower's Name: M/S Muhammad Hanif Weaving Fac


Figures to be mentioned under the Exemptions / Deductions on account of admissible securities / deposits shall equal to the loan amount secured thereagainst

Exemptions Admi ssible Under R-1:

Securi ty / Other Deductions Admi ssible Under R-1:

Loans (including bills purchase/discounted) given to Federal Govt. or any of their

agencies under commodity Operations prog. of Fed Govt or guaranteed by Fed.

Govt.

PROPOSED EXPOSURE/EXEMPTION

A- FUND BASED

TYPES OF FINANCING

Since exposure against LCs and LGs are already exempted to the extent of 50%, deductions on account of cash margin may not exceed 50% of the LC & LG amount in

cases where cash margin is more than 50%

B- NON FUND BASED

Unconditional financialGuaranteesaccepted as collateral & payable on demand by

banks/DFIs rated at least A or equivalent by Standard & Poor, Moody's or Fitch-

Ibca or an credit ratin a enc on the a roved anel of SBP.

Under writing Commitments

Less: E xemptions allowed under R-1

Total F und based Exposure Under R-1

Total Exemptions / Relaxati ons Under R-1 For Fund Based

Total Non Fund Based ExposureAs Per Basic Defin ition(as calcul ated in ECS-1)

Financial Guarantees issued by IFC, CDC,DEG, FMO & ADB

Cash margins held against L/G

Deposit of the currency other than that of loan placed with the lending Bankunder perfected lien

Pre /post-shipment credit provided for the export of goods covered by L/C or firmcontract including financing provided by the Bank's own sources

Pak Rupee equivalent of face value of Special US $ Bonds converted at inter-bank

rate taken as collateral

Deposit of the currency other than that of loan placed with the lendingbank under

perfected lien

Deposit in the same currency that of loan placed with the lending Bank under

perfect lien

Less: Securi ty/Other Deductions Admissibl e Under R-1:

Documentary credits opened by Bank

Deposits with another bank/DFI under perfect lien

Encashment values of FIBs, PIBs, T-Bills,NSS securities taken as collateral

L/Cs opened on behalf of Fed. Govt. where payment is guaranteed by SBP/ Fed

Govt

Total exposure with NBP does not exceed 30% of Bank's Equity


Total Non-F und based Exposure net of exemptions

Total F und based + Non Fund based facil iti es net of Exemptions

Bank's Equity

(Calculated As PerR-1)

Guarantees / bonds other than financial guarantees

L/C establised for the import of Plant & Machinery

Cash margins held against L/C

L/Cs which do not create any obligation to make payments on a/c of import

Total Fund based Exposure as per Basic Definiti on(as calcul ated in ECS-1)


perfect lien

Listed TFCs held as security with duly marked lien & rated at least 'A' or

equivalent by a credit rating agency on the approved panel of SBP

Fund Based Exposure does not exceed 20% of Bank's Equity

REGULATIONS


Total Exemptions / Relaxations Under R-1 For Non-Fund Based

Financial Guarantees (as stated at Annexure I of PRs) issued by IFC, CDC,DEG,

FMO & ADB

Encashment values of FIBs, PIBs, T-Bills,NSS taken as collateral

TFCs held as security with duly marked lien & rated at least A or equivalent by a

credit rating agency on the approved panel of SBP

Pak Rupee equivalent of face value of Special US $ Bonds converted at inter-bank

rate taken as collateral

Unconditional financial Guarantees accepted as collateral & payable on demand

by banks/DFIs rated at least A or equivalent by Standard & Poor, Moody's or Fitch-

Ibca or any credit rating agency on the approved panel of SBP.

24495


8/41

Annexure C-4(R)

FINANCIAL HIGHLIGHTS(for Renewal)

Borrower's Name: Branch's Name: CITY BRANCH

Annual Accounts are as of End of the Month:

Current (prov) PROJECTED

2004 2005 2006(n-2) (n-1) n (n+1)

CURRENT ASSETSCash and Maketable Securities 0.227 0.363 0.444 0.224

Trade Debtor 1.943 2.329 2.205 2.356

Stock in Trade 2.767 3.254 2.885 3.005

Other current assets 1.480 1.761 2.456 2.999

Total Current Assets (A) 6.417 7.708 7.990 8.584

CURRENT LIABILITIES

Short Term Borrowing 0.948 0.950 0.950 0.950

Current Maturities 0.000 0.000 0.000 0.000

Trade Creditors 0.008 0.288 0.215 0.190

Other Current Liabilities 0.030 0.023 0.059 0.110

Total Current Liabilities (B) 0.986 1.261 1.224 1.250

Working Capital (A-B=C) 5.431

FIXED ASSETS

Total Fixed Assets (D) 2.132 2.051 1.979 1.913

Total Long Term Assets (E) 0.000 0.000 0.000 0.000

TOTAL ASSETS F=(A+D+E) 8.549 9.760 9.969 10.498

LONG TERM LIABILITIES

Long Term loans 0.000 0.000 0.000 0.000

Lease Finance / Obligations 0.000 0.000 0.000 0.000

Other Long Term Assets 0.000 0.000 0.000 0.000

Total Long Term Liabilities (G) 0.000 0.000 0.000 0.000

Total Assets less Total Liab.(F-B-G) 7.563 8.499 8.745 9.248

NET WORTH:

Paid Up Capital 6.698 7.563 8.499 8.745

General Reserves (0.400) (0.450) (1.200) (1.025)

Accumulated Profit/ Loss 1.265 1.385 1.446 1.528

Reserve On Revaluation Of Assets 0.000 0.000 0.000 0.000Subordinated Loans 0.000 0.000 0.000 0.000

Total Networth 7.563 8.499 8.745 9.248

B-INCOME STATEMENT:

Export Sales (if applicable)

Total Net sales 18.540 20.821 22.325 25.453

Less: Cost Of Goods Sold 16.506 18.635 19.925 22.648

Gross Profit 2.034 2.186 2.400 2.805

Less: Operating Expenses (SG&A) 0.642 0.709 0.816 1.078

Operating Profit 1.392 1.477 1.584 1.727

Add: Other Income

Less: Non Operating Expenses 0.090 0.081 0.073 0.065

Net profit Before Taxes 1.302 1.396 1.511 1.661Taxation 0.037 0.010 0.065 0.133

Net Profit After Tax 1.265 1.385 1.446 1.528

C- RATIOS:

Current ratio 6.5 6.1 6.5 6.9

0.1 0.1 0.1 0.1

0.9 0.9 0.9 0.9

0.0 0.0 0.0 0.0

1.0 1.0 1.0 1.0

Sales Growth(Sales in Yr 2 yr 1) x 100] / Sales in Yr 1) NA 12.30% 7.22% 14.01%

Gross Profit Margin 0.1 0.1 0.1 0.1

Net Profit Margin 0.068 0.1 0.1 0.1


Leverage ( Total Debt to Equity) Debt

Equity

Gearing (LTD/Equity) Long Term Debt

..Equity

As Per Annual Accounts Audited / Certified by:

A- BALANCE SHEETHISTORIC

(All ratios are auto-generated


9/41

Annexure C-4(EFNa)Financial Highlights

(for CAM-EF CAM-N)

FINANCIAL ANALYSIS

As Per Annual Accounts Audited By _______________________________

Certified BY____________________________________

BALANCE SHEET

As On June / Sept / December 2009 2010 2011 2012 2013 2014

n-2 n-1 n n+1 n+2 n+3

CURRENT ASSETS

Cash 0.23 0.36 0.44 0.22 0.36 0.20

Marketable Securities 0.00 0.00 0.00 0.00 0.00 0.00

Trade Debtor 1.94 2.33 2.21 2.36 2.48 2.67

Stock in Trade 2.77 3.25 2.89 3.01 3.23 3.42

Prepaid Expenses 0.00 0.00 0.00 0.00 0.00 0.00

Prepaid Income Taxes 0.00 0.00 0.00 0.00 0.00 0.00

Other current assets 1.48 1.76 2.46 3.00 3.06 3.22

Total Current Assets (A) 6.42 7.71 7.99 8.58 9.13 9.52

CURRENT L IABILI TIES

Short Term Borrowing 0.95 0.95 0.95 0.95 0.95 0.95Current Maturities 0.00 0.00 0.00 0.00 0.00 0.00

Trade Creditors 0.01 0.29 0.22 0.19 0.20 0.16

Accrued Expenses 0.00 0.00 0.00 0.00 0.00 0.00

Interest Payable 0.00 0.00 0.00 0.00 0.00 0.00

Income tax payable 0.00 0.00 0.00 0.00 0.00 0.00

Dividend Payable 0.00 0.00 0.00 0.00 0.00 0.00

Other Current Liabilities 0.03 0.02 0.06 0.11 0.11 0.11

Total Current Liabilities (B) 0.99 1.26 1.22 1.25 1.26 1.22

Working Capital (A-B=C) 5.43 6.45 6.77 7.33 7.87 8.30

FI XED ASSETS

Land and Building 1.325 1.325 1.325 1.325 1.325 1.325

Plant /Mach /Other Fixed Assets 0.807 0.726 0.654 0.588 0.530 0.48

Capial Work in Progress

Total Fixed Assets (D) 2.13 2.05 1.98 1.91 1.85 1.80

Long Term Investments 0.00 0.00 0.00 0.00 0.00 0.00

Other long Term assets 0.00 0.00 0.00 0.00 0.00 0.00

Other long Term assets(intangibles) 0.00 0.00 0.00 0.00 0.00 0.00

Total Long Term Assets (E) 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL ASSETS F=(A+D+E) 8.55 9.76 9.97 10.50 10.99 11.32

Total Assets Net Of Current

Liabilities (F-B) 7.56 8.50 8.75 9.25 9.73 10.10

Long Term loans 0.00 0.00 0.00 0.00 0.00 0.00

Lease Finance / Obligations 0.00 0.00 0.00 0.00 0.00 0.00

Other long Term liabilities 0.00 0.00 0.00 0.00 0.00 0.00

Deferred Liabilities 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL LONG TERM LIABILITIES ( 0.00 0.00 0.00 0.00 0.00 0.00

Historic Data Projected Data

Borrower Name:

Branch Name:

M/S Muhammad Hanif Weavi

CITY BRANCH


10/41

Annexure C-4(EFNa)Financial Highlights

(for CAM-EF CAM-N)

Borrower Name:

Branch Name:


CITY BRANCH

NET WORTH 7.56 8.50 8.75 9.25 9.73 10.10

FINANCED BY:

Paid Up Capital 6.70 7.56 8.50 8.75 9.25 9.73

General Reserves (0.40) (0.45) (1.20) (1.03) (1.10) (1.25)

Accumulated Profit/ Loss 1.27 1.39 1.45 1.53 1.58 1.62

Reserve On Revaluation Of Assets 0.00 0.00 0.00 0.00 0.00 0.00

Subordinated Loans 0.00 0.00 0.00 0.00 0.00 0.007.56 8.50 8.75 9.25 9.73 10.10

Accumulated depreciation on Bldg

Accumulated deprec. on other Items


11/41

Annexure C-4(EFNb)

Financial Highlights(for CAM-EF CAM-N)


CITY BRANCH

INCOME STATEMENT

AS ON SEP 30. 2009 2010 2011 2012 2013 2014

n-2 n-1 n n+1 n+2 n+3

Net sales 18.54 20.821 22.325 25.453 26.535 27.664

Less: Cost Of Goods Sold 16.51 18.635 19.925 22.648 23.584 24.538

Gross Profit 2.034 2.186 2.400 2.805 2.951 3.126

Less: Operating Expenses (SG&A) 0.50 0.564 0.668 0.923 1.016 1.150

Operating Profit 1.532 1.622 1.732 1.882 1.935 1.976

Add: Other Income 0.000 0.000 0.000 0.000 0.000 0.000

Less: Financial Expenses 0.14 0.145 0.149 0.155 0.155 0.155

Less: Other non Operating Expenses 0.09 0.081 0.073 0.065 0.059 0.053

Net profit Before Taxes 1.302 1.396 1.511 1.661 1.721 1.768

Less: Income Taxes 0.04 0.010 0.065 0.133 0.142 0.145

Net Profit After Tax 1.265 1.385 1.446 1.528 1.580 1.623

Dividend Expnse 0.000 0.000 0.000 0.000 0.000 0.000

Amortization 0.000 0.000 0.000 0.000 0.000 0.000

Depreciation not included in CGS AND SG 0.000 0.000 0.000 0.000 0.000 0.000

Dep included in CGS 0.000 0.000 0.000 0.000 0.000 0.000

Dep included in SG&A 0.000 0.000 0.000 0.000 0.000 0.000

2,009 2,010 2,011 2,012 2,013 2,014

1 GROSS PROFIT MARGIN (%) (K / L) 10.97% 10.50% 10.75% 11.02% 11.12% 11.30%

2 NET PROFIT MARGIN(%) (N / J) 6.82% 6.65% 6.48% 6.00% 5.95% 5.87%

3 RETURN ON EQUITY(%) (N / I) 16.73% 16.30% 16.54% 16.52% 16.24% 16.07%

4 RECEIVABLES TURNOVER(DAYS) 38 41 36 34 34 35

(Credit sales / Trade debtors) x365

5 INVENTORY TURNOVER (Days) 2,178 6 7 8 7 7

(CGS / Inventory (Ending or Average)*365

6 Creditor Turnover 0 6 4 3 3 2

(Creditors / Cost of Goods Sold) x 365

7 WORKING CAPITAL RATIO (C /J) 0.2929 0.3096 0.3031 0.2882 0.2967 0.3000

8 Times Interest Coverage 9 10 10 10 10 10

(Times Interest Earned) (N / Financial Exp)

9 CURRENT RATIO (A / B) 7 6 7 7 7 8

10 Quick Ratio 3.70 3.53 4.17 4.46 4.68 5.01

(Current Assets Stock) / Current Liabilities

11 LT liability to Equity Debt 0 0 0 0 0 0

DEBT= [(H / (I + H)] Equity 100 100 100 100 100 100

12 Total Debt to Equity * Debt 11 10 10 9 9 9

DEBT= [(H / (I + H)] Equity 89 90 90 91 91 91

13 Total Liability to Equity 12 13 12 12 11 11

DEBT= [(H / (I + H)] ; equity =[(H/I+H)] 88 87 88 88 89 89

RATIOS

H istoric Data Projected Data

Borrower' Name:

Branch's Name:


12/41

Annexure C-4(EFNc)Financial Highlights

(for CAM-EF CAM-N)

As Per Annual Accounts Audited By _______________________________Certified BY____________________________________

(Note: n-2=Base Year)

2010 2011 2012 2013 2014

BALANCE SHEET n-1 n n+1 n+2 n+3

Cash 60.3 22.2 (49.5) 60.8 (43.3)

Marketable Securities #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Trade Debtor 19.8 (5.3) 6.8 5.1 8.0

Stock in Trade 17.6 (11.3) 4.2 7.6 5.7

Prepaid Expenses #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Other current assets 19.0 39.4 22.1 2.2 5.3

Total Current Assets 20.1 3.7 7.4 6.4 4.2

Short Term Borrowing 0.2 0.0 0.0 0.0 0.0

Current Maturities #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Trade Creditors 3,440.8 (25.2) (11.9) 6.4 (19.5)

Accrued Expenses #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Interest Payable #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Other Current Liabilities (24.0) 156.3 86.9 (1.2) (2.1)

Total Current Liabilities 27.9 (2.9) 2.1 0.9 (3.3)

Working Capital 18.7 4.9 8.4 7.3 5.4

Total Fixed Assets (3.8) (3.5) (3.3) (3.1) (2.9)

Long Term Investments #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Total Long Term Assets #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

TOTAL ASSETS F=(A+D+E) 14.2 2.1 5.3 #DIV/0! #DIV/0!

Long Term loans #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Lease Finance / Obligations #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Other Long Term Assets #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

TOTAL LONG TERM LIABILITIES ( #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

NET WORTH

Paid Up Capital 12.9 12.4 2.9 5.8 5.2

General Reserves 12.5 166.7 (14.6) 7.3 13.6

Accumulated Profit/ Loss 9.5 4.4 5.6 3.4 2.8

Reserve On Revaluation Of Assets #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Subordinated Loans #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

12.4 2.9 5.8 5.2 3.8

INCOME STATEMENT

Net sales 12.3 7.2 14.0 4.3 4.3

Less: Cost Of Goods Sold 12.9 6.9 13.7 4.1 4.0

Gross Profit 7.5 9.8 16.9 5.2 5.9

Less: Operating Expenses (SG&A) 12.4 18.4 38.3 10.0 13.2

GROWTH (In Percentages) ANALYSIS

HISTORIC PROJECTED


CITY BRANCH

Borrower's Name:

Branch's Name:

12


13/41

Annexure C-4(EFNc)Financial Highlights

(for CAM-EF CAM-N)


CITY BRANCH

Borrower's Name:

Branch's Name:

Operating Profit 5.8 6.8 8.6 2.8 2.1

Add: Other Income #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Less: Financial Expenses 3.5 2.2 4.3 0.0 0.0

Less: Other non Operating Expenses (10.0) (10.0) (10.0) (10.0) (10.0)

Net profit Before Taxes 7.2 8.3 9.9 3.6 2.7

Net Profit After Tax 9.5 4.4 5.6 3.4 2.8

13


14/41

Annexure C-4(EFNd)Financial Highlights

(for CAM-EF CAM-N)

Year n-1 Year n Year n+1

2010 2011 2012

1 Net Sales (Enter as a positive number) 20.821016 22.325231 25.4530992 Account Receivable (Enter as a-ve number if diff is positive / vv) -0.385643 0.1237 -0.15037

3 Cash Collected from Sales (total line 1 and 2) 20.435373 22.448931 25.302729

*(if included in CGS)

4 Cost of Goods Sold (excluding *depreciation)enter as a -ve figure) (19) (20) (23)

5 Inventory -0.487704 0.368798 -0.1198976 Accounts Payable (Enter as a+ve no. if diff is +ve) 0.28 (0.07) (0.03)

7 Cash Product Costs (total lines4,5 and 6 (19) (20) (23)

8 CASH GROSS PROFIT(total lines 3 and 7) 2 3 3

9 SG & A Expenses ( Excl.depr**./amort./interest/income tax) (1) (1) (1)

**if included in SG&A (Enter SG&A s a -ve number)

10 Prepaid Expenses (Enter as a -ve if diff is +ve / vice versa) 0 0 0

11 Accrued Expenses (Enter as a -ve if diff is -ve / vice versa) 0.00 0.00 0.00

12 Cash Operating expenses (total lines 9,10 & 11) (1) (1) (1)

13 NET CASH AFTER OPERATION Total lines 8and 12 1 2 2

14 Other Income (Enter as a +ve number if not loss) 0 0 015 Other expenses (enter as a negative number) (0) (0) (0)

16 Other Current Assets (Enter as a -ve if diff is +ve / vice versa) -0.281232 -0.694221 -0.542987

17 Other Current Liabilities (0.01) 0.04 0.05

18 Cash from miscelenous items (total lines 14,15,16,17) (0) (1) (1)

19 Income Taxes Expenses (Enter as a negative number) (0) (0) (0)20 Income Taxes Payable 0.00 0.00 0.00

21 Prepaid Income Taxes 0 0 0

22 Cash Income Tax Paid (total lines ,19,20 and 21) (0) (0) (0)

23 NET CASH AFTER OPERATION total lines 13,18 and 22) 1 1 124 Divident Withdrawn / Declared /Paid 0 0 0

25 Divident Payable 0.00 0.00 0.00

26 Interest Expenses (0) (0) (0)

27 Interest Payable 0.00 0.00 0.00

28 Cash Financing Cost (total lines 25,26 and 27,28) (0) (0) (0)

29 NET CASH INCOME(total lines 23 and 28) 1 1 1

30 Current Portion of Long Term 0 0 0

31 NET CAH INCOME AFTER DEBT AMORT. Total lines 29 & 30) 1 1 1

(0.08) (0.07) (0.07)

32 Capital Expenditure(Fixed assets) {(NFA n) - NFAn-1]+dep exp.(Apply asset rule 0.08071763 0.07264587 0.065381284

33 Long term Investments FALSE 0 034 in other noncurernt assets 0 0 0

35 CASH FROM DEBT CAPITAL SPENDING/ INVESTMENTS (total lines 32to34 0 0 0

36 FINANCING SURPLUS OR REQUIREMENT (total lines 31 and 35) 1 1 1

37 Short Term debt 0.00 0.00 0.00

38 Long Term Debt 0.00 0.00 0.00

39 change in other non current liabilities

40 Share Capital

41 TOTAL EXTERNAL FINANCING ( Total lines 37, 38, 39, 40) 0 0 0

42 Total Cash Flow after financing (total lines 37 and 41) 1 1 1

43 Cash and Marketable Securities 0.14 0.08 (0.22)

(Proof of Accuracy (line 42 should be equal line 43)

( Add the +ve diff/ sub the -ve diff (increase in asset = use)

(Add the -ve diff/sub the +ve diff (increase in laib.=source)

Cash Flow Worksheet

Line

No.

Items

M/S Muhammad Hanif WeCITY BRANCH

Borrower Name:

Branch Name:


15/41

Annexure C-4(EFNd)Financial Highlights

(for CAM-EF CAM-N)

Year n+2

2013

26.535141-0.120621

26.41452

(24)

-0.22750.01

(24)

3

(1)

0

0.00

(1)

2

0(0)

-0.064845

(0.00)

(0)

(0)

0.00

0

(0)

10

0.00

(0)

0.00

(0)

1

0

1

(0.06)

0.05884316

00

0

1

0.00

0.00

0

1

0.14

aving Factor


16/41

Annexure No. C-5

PRs Compliance Check List

Remarks

RequirementActual(as perB.S dt)

Yes / No

/ NA

Exemption Required/

Rectification under process/

Not Applicable

R-1(para 1)

Total outstanding exposure of the borrower does not exceed 30% of

NBP equity to be calculated as per Exposure Calculation Sheet(Annexure C-3)

0.000 0.950 NO

R-1(para 1)

Outstanding Fund Based exposure of the borrower does not exceed20% of NBP equity to be calculated as per Exposure Calculat ion

Sheet (Annexure C-3)

0.000 0.950 NO

R-1(para 2)

Total O/S. exposure of the borrower's Group does not exceed 50%of NBP equity

0.000 0.95 NO

R-1(para 2)

O/S. Fund Based exposure of the borrower's Group does not exceed35% of NBP equity

0.000 0.95 NO

R-3(para 1)

Latest available CIB Report in respect of borrower and his group has

been obtained from CIB/SBP and no overdue / default is reportedtherein (Mention the status date in the Remarks)

Yes

R-3

(para 3)

BBFS as per the format of Commercial borrowers which is duly

fillied in, signed and stamped by the borrowers has been obtained

SingnedStamped

Completed

YES

R-3(para 2)

Audited Financial Statements signed by audited by Owner(s) / CA orpracticing CMA has been obtained

YES

R-5(para 1)

Total exposure (fund based/non-fund based) from all banks/DFIsdoes not exceed 10 times of borrower's equity.

87.450 0.950 YES

R-5(para 1)

Total fund based exposure from all banks/DFIs do not exceed 4times of borrower's equity

34.980 0.950 YES

R-5(para 2)

Current Ratio is maintained as per Regulation 1.00 1.00 YES

R-5(para 3)

NO

R-5 NA

R-5 NO

Remarks

Requirement ActualExemption

Required/Rectification under

process/NA

CLEAN FINANCE:

R-4

(para 1)

Clean Facility, if any, does not exceed Rs. 500,000/- 0.500 0.000 YES

R-4(para 1)

NO

Borrower's Name:

Branch's Name:

PR No.Regulations Universally Applicable

to All Commercial Financing Proposals

COMPLIANCE STATUS

M/S Muhammad Hanif Weaving Factory

CITY BRANCH

PR No.

Regulations Additionally Applicable to

Specific Types of Commercial Financing Borrowwer

has already availed or has applied to avail

STATUS

Undertaking signed by the provider of subordinated Loans taken

Revaluation reserves taken as a part of equity meet the condition required under defination No. 9 ofPRs

Revaluation reserves created on the basis of valuation carried out by the PBA Surveyors

A written declaration from the borrower describing his abstinence from obtaining clean financing inhis name or of his family members from other banks/DFIs in excess of Rs 500,000/- in aggregate hasbeen obtained

Yes / No

/ NA


17/41


18/41

Annexure No. C-6

Security Charge Summary

Borrower's Name:

S

No Required Created

A-I Against Existing Finance1 Cash Finance Hyp ** Secondary 0.950 (M) First 1.200 (M) 1.200 (M)

2 Rs. 0.950 M

3

A-II Against Proposed Additional Finance

1 Cash Finance Hyp ** Secondary 0.950 (M) First 1.200 (M) 1.200 (M)

2 Rs. 0.950 M

3

S

No Required Created

B-I Against Existing Finance

1 Stock of Grey Fabic, Grey 0.950 (M) Primery First 1.8 (M) 1.8 (M)

2 Cloth and Yarn Etc.

3

B-II Against Proposed Additional Finance

1 Stock of Grey Fabic, Grey 0.950 (M) Primery First 1.8 (M) 1.8 (M)

2 Cloth and Yarn Etc.

Book debts Stocksin trade All Current

2.20542 2.885462 5.090882

0.95

4.140882

0

4.140882

NBP Others NBP Others NBP Others

Current Assets

Fixed Assets

CITY BRANCHBranch's Name:

As per search Report dated:

Deficit

If any

Deficit

If any

Rank Of

Charge

Fixed Assets

To be Created:

Bookdebts

Stocks

1st Exclusive

Existing:

Asset

Bookdebts

Charge AmountRank Of

Charge

Held As primary or

Secondary Security

Limit amount

Secured

Assets

Description

Held As primary

or Secondary

Security

Charge Amount

Stocks

loans Secured thereagainst

2nd / Floating/ Joint

D-CUSHION ON THE BASIS OF SEARCH REPORT :

Surplus / Deficit

Current Assets

Additional Charge sought

Ist Paripassu

M/S Muhammad Hanif Weaving Factor

C-Cushion on Current Assests:

Cushion / Deficit

Limit amount

Secured

B- Charge / Hypothecation On Co.'s Current Assets:

Limits Secured

Thereagainst

A- NBP Charge on Co.'s Fixed Assets:

Value Of assets


19/41

Annexure No. C - 8

BUSINESS / EARNINGS / DEPOSITS EXHIBIT

Nature of BusinessCurrent Yr

(up to)Expected

2005 20062007

Export 0 0 0 0

Import 0 0 0 0

Guarantees 0 0 0 0

Others (Remittance/Collection) 0 0 0 0

Total 0 0 0 0

Current Yr

(up to)

2005 2006 2007

Export 0 0 0 0

Import 0 0 0 0

Guarantees 0 0 0 0Others (Remittance/Collection) 0 0 0 0

Total 0 0 0 0

During last

financing period

Current period up

to 31-12-2011

0.950 0.950

0.000 0.000

0.000 0.000

0.000 0.000

0.000 0.000

Current Yr

(up to)

2009 2010 2011

Total Mark-up earned 0.140 0.145 0.149 0.155

Commission / Exch. Earned:

On Finance Limits

On Exports

On other fee based

Total Earnings (d) 0.140 0.145 0.149 0.155

Previous year Current year Expected*

2010 2011

Average (funded) Outstanding (c) 0.950 0.950 0.950

Total Earnings (d) {as above} 0.145 0.145 0.155

Yield on relationship % (d/c)x100 15.263 15.263 16.316

*Assumptions for Expected earnings:

M/S Muhammad Hanif Weaving Factor

CITY BRANCH

Borrower's Name:

Branch's Name:

Note:Expected earning should be worked out on the basis of expected business

B- EARNINGS :

C- PROFITABILITY ON RELATIONSHIP: (Yield %)

Earnings From Finance Facilities & Business Passed On

To NBP By The BorrowerExpected (Not

Applicable toRenewals)

Previous 2 years (from

Jan to Dec / July to Jn)

Ratio of Business vs. Loan Availed (b/a)

Borrower's total Export Sales

Export Business Given to NBP by the borrower



Full limits will outstand thoroughout currency of loan Yes NO

Total Business given by the borrower to NBP (b)

(If no then please advise expected level of utilization: _______________)

*Total Products of the period under review/Total No. of days in the period under review .

Average Amount of Finance (funded) Availed (a)*

A-1 BUSINESS GIVEN TO NBP BY THE BORROWER:

A-3: EVALUATION OF THE BORROWERS PERFORMANCE:

Nature of Business Expected

A-2 BUSINESS GIVEN TO NBP BY THE GROUP:




20/41

Annexure No. C-9

Regional Office Certificate


Region's Name: Faisalabad

Borrower's Name: M/S Muhammad Hanif Weaving Factory

S. No. Key Documents Opinion

1 Stock Inspection ReportReport has been received and adverse revelation/points alognwith Branch Managers

finding has been mentioned in the Credit Approval Memo

2 ICIL ReportAdverse comments have been highlighted in the Credit Approval Memo besides

briefing disagreement, alongwith the final stand taken by the Region

3 BBFS Checked and found properly filled in, signed & stamped as per PRs requirements

4 Search ReportSearch Report has been checked to confirm correctness of the latest position mentioned

in the Credit Approval Memo

5 Search Certificate

The latest Search Certificate submitted by the branch with the proposal has been

checked as to the findings advised by the Branch in the Conduct of Account Review

Certificate

6 Valuation Report Received the Report. Valuation mentioned in the Credit Approval Memo is inaccordance with the assessed value advised in the Report

7Legal Opinion (In case of

Fresh/New Property)

Legal Opinion is clear. In case of any grey area, the Opinion is attached with Credit

Approval Memo.

8 Audit Irregularity ExtractRelevant extract checked to confirm correctness of the remarks/status advised by the

Branch in their Conduct of Account Review Certificate.

RBC Signature: _________________________

RRMC Signature: ________________________ ROC Signature: ________________________

Date: ________________________


21/41

Annexure C-11

UTILIZATION MONITORING SHEET

Borrower's Name:

Branch's Name:

(In Million))

Parameters Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11

Limit amount 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95

Dr Summation

Cr Summation

Highest Balance 0 0 0 0 0 0 0 0 0 0 0

Lowest Balance 0 0 0 0 0 0 0 0 0 0 0

Turnover(Cr. summation/limit) 0 0 0 0 0 0 0 0 0 0 0

No of Dr/Cr if turnover is < than 1

Initial of Cr. Officer

Signature of Br. Mgr

Comments / Interpretation of the

Conduct of the Account

(For Working Capital Finance )


CITY BRANCH


22/41

Annexure No. C-14

Working Capital Assessment Sheet

Borrower's Name:

I- CAPACITY UTILIZATION Branch Name:

Spinning Weaving Cotton Ginning Flour Mill Others

Rotors

Spindle Looms Saw Gins Rollers

A- Installed Capacity

i. In terms of installed capacity (a)

i. In terms of installed capacity (b)

ii. In terms of output

B- Actual Production

i. In terms of installed capacity (a)

i. In terms of installed capacity (b)

ii. In terms of output

C- % Capacity Utilization #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0!

II-

Note: The appropriate size of loan in the case of following businesses viz., Ginning , Spinning, Flour Mills, Sugar to be worked out by using the

Methods standardized by the Bank. In other cases Operating Cycle Approach to be used as an estimation.

III- WORKING CAPITAL FACILITIES ALREDY AVAILABLE AND ROOM FOR FURTHER BORROWING:

S No Rs. In (M)

A-

B-

Total Working capital facilities available from NBP

Add: Total Working capital facilities available from Other Banks

Total Working capital facilities availed from all the Banks 0

C-

Present Request If Any For Additional Finance

D- 0

E- WORKING CAPITAL ADDITIONALLY JUSTIFIED 0

WORKING CAPITAL REQUIREMENT BASED ON CAPACITY:

TOTAL PROPOSED LEVEL = (B + C)

WORKING CAPITAL ASSISTANCE ALREADY AVAILED

WORKING CAPITAL ASSISTANCE ADDITIONALLY REQUESTED

TOTAL WORKING CAPITAL REQUIREMENT AS ASSESSED


CITY BRANCH


23/41

Annexure C-14 (Cash)


A- Required DataSales = 22.325

Debtors = 2.205

Stocks = 2.885

Creditrors = 0.215

B- Relationship Between (in %)

= 0.10

= 0.13

= 0.01

C- Calculating Short term Needs

Stocks / Sales = 0.129Debtors / Sales = 0.099

Total = 0.228

Less:Short term Supply

Creditors / Sales % = 0.010

Working Capital Need as a % of Sales 0.218

22.325

0.218

4.875

S.NoConsumption Per

Month/Day*Tied up Period

Total Amount For The

Tied Up Period

1 Raw Materials 0.855

2 Work in process 0.922

3 Finished Goods 1.102

4 Stores & Spares 0

5 Accounts Receivable 2.20542

6 Prepayments and others 2.455621

7 Cash for : 0.443876163

Water,Power & Gas

Wages, salaries

other manufacturing overheads 0.14857

Admn. & selling expenses 0.667615

LESS: Trade Creditors 0.215412

Bank Credit ( net working capital) 6.952320163

* Put tick mark against the option which is taken as based for computation

Working Capital limit

Debtor and Sales

Stocks and Sales

Creditors and Sales

Total Sales (In Rs. M)=

Working Capital Need as a % of Sales

Total Working Capital Requirement

Borrower's Name:

Branch's Name:


CITY BRANCH

Cash Cycle Approach - Method 1

Operating Cycle Approach - Method 2

CASH CYCLE APPROACHEs


24/41

Annexure C-14 (Op)Working Capital Assessment Sheet

(Rs.in million)

Average value of Raw Material Stock =

Average value of work in Process =

Average value of stock of finished goods =

Average level of Creditors =

Average value of debtors. =

Purchase of Raw Material per day. =

Average cost of goods sold per day. (CGS) =

Average value of sales per day. =

Period of turnover of raw material stocks = Average value of Raw Material Stock = 21.92307692 days

Purchase of Raw Material per day.

L E S S

Period of Credit granted by suppliers = Average level of Creditors = 5.523384615 days

Purchase of Raw materials per day.

P L U SPeriod of Production. = Average value of work in Process = 18.81632653 days

Average cost of goods sold per day.(CGS)

P L U S

Period of turnover of finished goods = Average value of stock of finished goods = 22.6122449 days

Average cost of goods sold per day.

P L U S

Period of Credit Taken by Customers = Average value of debtors. = 59.60594595 days

Average value of sales per day.

Total Operating Cycle .............................................................................................. 117.4342097 days

Working Capital Need :

4.3450658 (Rs.)

OR

5.7542763 (Rs.)

Borrower's Name:

Branch Name:


CITY BRANCH

0.855

0.039

2.20542

METHOD : OPERATING CYCLE APPROACH

I) Average Sales per Day X Operating Cycle days. =

0.215412

1.108

0.922

II) Average CGS per day X Operating Cycle days. =

0.049

0.037


25/41

Annexure C-14 GinningWorking Capital Assessment Sheet

Borrower's Name: Branch Name: CITY BRANCH

Total Plant Capacity High Eff ic iency Average Eff ic iency Below Average Total

Capacity To Turnout l int per sawgin of 90 Saws (bales /hr)1.66 1.66 Shifts= 3 per day

Capacity To Turnout l int per sawgin of 90 Saws (Kg /hr) - No of days in a Season= 25* da

Number of Sawgin s Instal led & Operat ional 55 55.00 No of shifts in a year= No of day

Product ion Hrs. per shif t -Number of Shif ts -

Product ion Hours Per day 5 5.00 Transportation Incoming

Ginning Durat ion per Season (in days) 100 100.00 Mds.. per truck

Number Of Hours Per Season 500 500.00 No. of trucks per day

Phutt i Consum ption Per bale of Lint ( in Mds. ) 13.00 13.00 Cost per truck

Rate Of Phutti ( in Rupees)per Md. 1,000.00 1,000.00 Transp cost per day

Total Phut t i Requi red

Number of Cotton Lint b ales produced per shif t by one SWG 13.28

Phutt i Required per shif t by one Sawgin ( in Mds.) 172.64 Bales per truck

Number of Cotton Lint b ales produced per shif t by al l SWG 53.12 53.12 No. of trucks per day

Phutt i Required per shif t by al l Sawgins ( in Mds.) 690.56 690.56 Cost per truck

Number of Cotton Lint bales Produced per day 33.20 33.20 Trasport cost per day

Phutt i Consum ed per day (3shif ts) by al l sawgins (Mds) 431.60 431.60

Number of Cotton Lint bales Produced in Ent ire Season 3,320.00 3,320.00

Consum ption (Mds.)by al l Sawgins During Ent ire Season 43,160.00 43,160.00

Working Capi tal Requi red

A- For Raw Material :

Phutt i pr ice Rs.1000/= Per Md.

Cost of Phut t i Requi red Per Sawgin per day (Rs. In M) 431,600 431,600.00 hessian cloth per bale*

Cost of Phut t i Reqd by al l Sawgins per season(Rs. In M) 43,160,000 43,160,000.00 Strap/wire Cost per Bale

(No. of days Raw Material stoc k is held ) 15 15.00 Total packing cost per bale

Working Capi tal Requi red for al l Sawgins 6,474,000 6,474,000.00 (* if used)


WORKING CAPITAL ENTITLEMENT FOR COTTON GINNING MILLS A SSUMTIONS

Transportation Outg

Packing


26/41


Borrower's Name: Branch Name: CI Y BRANCHM/S Muhammad Hanif Weaving Factory

B-Other Working Capi tal /Overhead Expenses No. of days 15

Major Items Summary Rs / day Rs / 15 days

1.Processing :

Pre-Cleaning 0.60 9

Electr icity 2.90 44 Total Bill of Last season

Labor - No. of Ginning days2. Transpor ta t ion c ost 120.39 1,806 Electicity Exp per day

3. Packaging cos t 498.00 7,470

Misc i f appl icab le -

Total * 9.89

NOTE

1. Figures appearing in the cells are for example purposes.

2. Light green cells (appearing white in the printout) to be filled only, as rest of the cells will be filed up automaticlly by built-in formulae

3. Assumptions to be obtained from the borrowers but verified by the Bank.

Certificate:

It is certified that the assumptions used in the above calculation have been verified by the Branch, and reviewed by the RHQ.

Branch Manger RMT

Electrcity

* Subject to maximum of 10 % of the pledg


27/41


Months In Ginning 3-4 Mnths

*4 months = (25*4)=100 3= 100*3=300

RS/Kg

Verification Of assumption-

-

Previous Bill / Market check

-

Verification Of assumption



CK- END WORK ING


28/41


Verification Of assumption




29/41

Annexure C-14 Tex


Borrower's Name: M/S Muhammad Hanif We


ASSESSMENT OF WC REQUIREMENTS of TEXTILE UNITS:

Consumption per Spindle = 8 oz. per shiftNo. of Shifts 3

Daily Consumption per Spindle = 24 oz.

= 1.5 lbs.

Annual Consumption per Spindle

(348 days / year) 348 days

Annual Consumption per Spindle = 522 lbs.

Wastage 15%

Add: 15 % wastage = 78.3 lbs.

Total Cotton Required = 600.3 lbs.

(82.25 lbs. / md.) = 7.30 mds.

Working Capital Required / Spindle = 1,399 Rs.

(held up for 1 month)

No of months 6

Efficiecy of Rotors Vs Spindles (in times) 6 times

Total No. of Spindles 10,000 Nos

Cost of Cotton 2,300 Rs.

Working Capital Required (A) 13.989 Rs. Mn.

Total No. of Rotors 3,000 Nos

Cost of Cotton 2,300 Rs.

Working Capital Required (B) 25.180 Rs. Mn.

39.169

117.506 (Rs. In M)

235.011 (Rs. In M)

470.022 (Rs. In M)

TOTAL WC REQUIREMENT FOR

COTTON (A+B)

For 12 Months =

For 6 Months

For 3 Months


30/41

Annexure No. C-14 (Flour)


Borrower's Name: Region's Name: CITY BRANCH

% High Efficiency Average Efficiency Below Average Total

Capacity per rol ler (kg/hr/ rol ler) 344 281 218 843

Rollers 3 2 1 6

Hrs. per shif t 8 8 8 8

wastaage (if appl icable) in percentage 0% 5% 5%

Total Plant capacity

Consuption per hour by all the ro llers

(kg./hr/roller* no of ro llers 1,032 562 218 1,812

Consum ption (Kg) / shift by all roller 8,256 4,496 1,744 14,496

bor is per shi f t 83 45 17 145

Consum ption per day (2 shifts) by one roller (kg) 5,504 4,496 3,488 13,488

Consum ption per day (2 shifts) by all roller (kg) 16,512 8,992 3,488 28,992

boris per day ( 2 shifts) 165 90 35 290

Add: 5 % wastage - 450 174 624

Total Wheat Required per day by all Rollers 16,512 9,442 3,662 29,616

Yei ld wheat to Flour

Workin g Capital Required

A- Raw Material:

Wheat price 8.5 Rs. 850 Per 100 Kg

Workin g Capital Required / Rol ler 46,784 40,127 31,130 118,041

Workin g Capital Required for al l Rol lers 140,352 80,254 31,130 251,736

(No. of days held ) 24 24 24 24

Workin g Capital Required for al l Rol lers 3,368,448 1,926,086 747,130 6,041,664

Kg / 2 sh ift Rs / kg

Raw mater ial (wh eat 850 RS/100kg) 29,616 8.50 251,736 6,041,664

Cleaning 0.60 17,395 417,485

Processing :

Electr ici ty 0.45 13,046 313,114

Lobor ( 4 person) 0.09 2,667 64,014

Maintance 0.10 2,899 69,581

Transpor tation co st - -

Packaging co st 0.01 290 6,958

Rent and Misc if appl icable 0.14 4,027 96,640

Total * 9.89 292,061 7,009,456

NOTE

1. Figures appearing in the cells are for example purposes.

3. Assumptions to be obtained from the borrowers but verified by the Bank.

Certificate:

Branch Manger RMT

Major Items Summ ary

2. Yellow cells (appearing white in the printout) to be filled only, as rest of the cells will be filed up automaticlly by built-in formulae

It is certified that the assumptions used in the above calculation have been verified by the Branch, and reviewed by the RHQ.

Rs./ 2 sh ift (per

day)

Rs./ 2 sh ift

( for XY days)


* Subject to maximum of 20 % of the pledeg l imit

WORKING C PIT L ENTITLEME NT FOR FLOUR MILLS

B- Other Workin g Capital / Overhead Expens es


31/41

Annexure No. C-14 (Flour)


@ 218 kg/hr/chakee

35-55 bori per 2shifts (16 hrs).

35bori*100kg= 3500 KG per 16 hrs

3500 Kg/ 16= 218 Kg per hr per body

Shifts= 2 per day

No of days in a year= 25* days pr month *12= (25*12)=300

No of shifts in a year= No of days in a year* 2= 300*2=600

Kgs per year

8,697,600

Total Kg in a year = Kg. per shift*no of days in a year (33024* 300)

RS/Kg

Kg. per truck

Cost per truck 0.03 833520 20000

Transp per day d 1 x

740,400 Transp. =Kg per day* 25

20000

RS/Kg

Kg. per truck

Cost per truck

Packing

Boree costper yr 290 RS/year Bori cost per year= Bori per shift* No of days in a year (300)

0.00 RS/kg Bori costper Kg= Total Bori cost per year / Total Kgs in a year (55080/ 2160000=0.03)

Salai Cost per Bori 1

Salai cost per Kg 0.01 RS/kg

Total packin cost 0.01 RS/kg

Rent:

Per month 25000

Transportation Incoming

Transportation Outgoing

BACKUP WORKING SHEET


32/41

Annexure No. O - 1

Liability at Other Branches NBP

S.No. Branch Name Nature Of LimitAmount Of

Limits Rs.

O/S As

OnExpiry Date

Regular /

Irregular

Total working Capital facilities

Total

I-Working Capital Facilities

II-Non Working Capital Facilities

LIABILITIES OF BORROWERS AT OTHER BRANCHES OF NBP, other than under

allocation (as on ..)


CITY BRANCH

Borrower's Name:

Branch Name:


33/41

Annexure No. O-2

Group Profile Exposure Summary(comp. Banking with NBP)

NBPs

Sister concern Name Holding (in %) Status Borrower

1 NA 50% Manaing Partner Yes

250% Partner Yes

Score Rating

1 Borrower0

2 Company a* 0

3 Company b 0

4 Company c 0

5 Company d 0

Total Amount 0

SN

Value Charge

1

2

SN

1

2

M/S Muhammad Hanif Weaving FCITY BRANCH

Borrower's Name: Branch's Name:

33101-3917711-5

Details of His Interest In Group Entities

33101-9713486-7

A- Details About the Directors

Group Entity Owning the securitySecurity

NameName of Group Entity Using the Security

* Please write the name of the company/companies

xterna

Rating (e.g.PACRA. JCR-

VIS, etc if

available

C- Details of Facilities Secured under Common Security

Naure

B-Details of Sister Concerns Exposure at NBP

Change (+/-)

(b)Total Limits

Mr. Waqas Hanif

Credit Risk Rating Present

LimitsProposed Limits (a)Group Entities Names

Note 2:Column a, b & c of Table A are filled only at the time of composite memo of the group entities as well

SN

S

NName of the Director

Note 1:Table B, C & D are applicable only for New Borrower and Fresh/ Enhancement cases of excisting borrowers

CNIC No.

Name of Group Entity To Whom Guarantee has been

Provided

D-Details about Intra Group Guarantee/Common Guarantee

Name of Group Entity Providing the

Guarantee

Mr. Muhammad Hanif


34/41

Annexure No. O - 3

Inter Company Borrowing Exhibit

Borrower's Name: Branch's Name: CITY BRANCH

Group Co A Group Co B Group Co. C TOTAL

Borrower InformationM/S Muhammad

Hanif Weaving

Fiscal year ended2011 2011

Investment In (I)8.745038998 8.745038998

Trade Receivables (II) FROM2.20542 2.20542

Loans & Advances (III)TO0.95 0.95

Guarantees for (IV)6.975 6.975

Total Exposure (I+II+III+IV)18.875459 18.875459



35/41

Annexure No. O-4

STANDARD REQUEST FORMAT FOR SEEKING EXEMPTION IN PRUDENTIAL REGULATION

ON BEHALF OF THE CLIENT FROM SBP

Duration for

which the

relaxation is

required

Risk rating of

the client as

per NBP's

Rating

Recommendations of the

with justification for pro

the relaxation

Business Residential

1 3 4 5 6 7 8 9 10 11

M/S Chak No. 66 Chak No. 66 Partnership Renewal 3

Mohammad JB, Dhandra JB, Dhandra

Hanif Near Air Port Near Air Port

Weaving Faisalabad. Faisalabad.

Factory

LIST OF DOCUMENTS

1) Current CIB Report.

2) Audited Financials.

3) Borrower's letter of commitment explaining reasons for shortfall, justifications for allowing relaxation and proposed plan for making up the shortfall.

4) Risk Rating Sheet.

The

current

position

of the

A/c

AddressName of

the

Borrower

Directors/

Partners/

Proprietors

Amount

of limit

applied

Borrower's Name: M/S Muhammad Hanif Wea Region's Name: CITY BRANCH

2

Renewal/

Fresh

Regulation No For

which relaxation is

required

Min/Max

standard

required in

the regulation


36/41

Annexure No. O - 5

Detail of Assets(in case of CAPEX being financed)

Borrower's Name:

S.#Detail of

AssetsType of Assets

Existing

(Amount)

To be

acquired

Date of

PurchaseBook Value Market Value

Forced

Valu

Land,

Industrial,Commercial,Resid

ential & Agriculture

Mark() if applicableand () if not

applicable

Mark() ifapplicable and () if

not applicable

As on the last

audited balance

Sheet

As assessed by banks

approve evaluator

As assessed

approve ev

1 Property

Land, Building,

Machinery Industrial, 1.980 (M) M 1.921 (M)

1-a

1-b

1-c

1-d

2 Machinery

2-a Local *

2-b Imported **

3 Deposit Certi ficates/Shares/TFCs etc

4 Stocks

4-a Hypothecated

4-b Pledged

5 Receivables

6 Others

M/S Muhammad Hanif Weavin CITY BRANCHBranch's Name:


37/41

Annexure No. O - 6

CAPEX Details Exhibit

Borrower's Name: Branch's Name: (Rs. In Million)

G. TOTAL

By the Sponsors Through Debt

Total

By the

Sponsors

Through Loan

Total STATUS

Land & Buildingi- Existing 0.250 (M) 0.250 (M)

ii- Proposed 0.250 (M) 0.250 (M)

Machinery

i- Local

ii- Imported

Import Incidentals

Transportation & Installation

Insurance Cost

Other Assets

Pre-operating Expenses

Interest During Construction

Contingencies

ESTIMATED FIXED

COST OF THE PROJECT

Permanent Working Capitaldetailed in the feasibility

report

TOTAL COST OF THEPROJECT

DESCRIPTION

COST ALREADY MET COST TO BE MET

M/S Muhammad Hanif Weaving Fact CITY BRANCH


38/41

For Illustration Purpose

EXPOPSURE CALCULATION SHEET (For compliance of R-1 )

Branch's Name:

Clean Secured Total

0.000 0.950 0.950 NALess:

i 0.000 100%

ii 0.000 100%

iii0.000 100%

iv 0.000 90%

v 0.000 90%

vi 0.000 90%

vii0.000 90%

viii0.000 85%

ix 0.000 85%

x0.000 50%

0.000 0.000 0.000 NA

NA NA NA NA

0.000 0.000 0.000 NA

i 0.000 50%

ii 0.000 50%

iii 0.000 50%

iv 0.000 100%

v0.000 100%

vi 0.000 100%

vii 0.000 100%

viii 0.000 100%

ix 0.000 100%

x0.000 90%

xi 0.000 90%

xii 0.000 90%

xiii0.000 90%

xiv 0.000 85%

xv 0.000 85%

xvi

0.000 50%

NA NA NA NA

NA NA NA NA

NA NA NA NA

Paid up Capital General ReservesAccumulated Profit /

Loss

Balance In

Share

Premium A/C

Reserve for

Bonus Shares

Revaluation

Reserves*

(50%)

Statutory

Reserve

(1)* subject to conditions specfied in PRs. (2). Statutory Reserve to be part of Bank'

S. No. Reg. No Yes / No Equity Base Exposure

1 R-1 NO 0.000 0.950

2 R-1 NO 0.000 0.950

Note: 1 Data need not to be entered in to the "Compliance Status" box and the shaded cells as these will be automatically filled up

2

Borrower's Name:

Figures to be mentioned under the Exemptions / Deductions on account of admissible securities / deposits shall equal to the loan amount secured t


Total Exemptions / Relaxati ons Under R-1 For Non-F und Based

nanc a uaran ees as s a e a nnexure o s ssue y , , ,

Total exposure with NBP does not exceed 30% of Bank's Equity


Total Non-F und based Exposure net of exemptions

B- NON FUND BASED

TFCs held as security with duly marked lien & rated at least A or equivalent by a

credit rating agency on the approved panel of SBP

Pak Rupee equivalent of face value of Special US $ Bonds converted at inter-

bank rate taken as collateral

Unconditional financial Guarantees accepted as collateral & payable on demand

by banks/DFIs rated at least A or equivalent by Standard & Poor, Moody's or

Fitch- Ibca or any credit rating agency on the approved panel of SBP.

Cash margins held against L/C

Total F und based + Non F und based facil iti es net of Exemptions

L/Cs which do not create any obligation to make payments on a/c of import

Guarantees / bonds other than financial guarantees

Documentary credits opened by Bank

Bank's Equity

(Calculated As PerR-1)

Fund Based Exposure does not exceed 20% of Bank's Equity

REGULATIONS

L/Cs opened on behalf of Fed. Govt. where payment is guaranteed by SBP/ Fed

Govt

L/C establised for the import of Plant & Machinery

Cash margins held against L/G


perfect lien

Deposit of the currency other than that of loan placed with the lending Bank

under perfected lien

Less: Secur ity/Other Deductions Admissible Under R-1:

Encashment values of FIBs, PIBs, T-Bills,NSS taken as collateral

Pre /post-shipment credit provided for the export of goods covered by L/C or firm

contract including financing provided by the Bank's own sources

Pak Rupee equivalent of face value of Special US $ Bonds converted at inter-

bank rate taken as collateral

Deposit of the currency other than that of loan placed with the lendingbank under

perfected lien


perfect lien


Encashment values of FIBs, PIBs, T-Bills,NSS securities taken as collateral

Exemptions Admissibl e Under R-1:

Securi ty / Other Deductions Admissibl e Under R-1:

Loans (including bills purchase/discounted) given to Federal Govt. or any of their

agencies under commodity Operations prog. of Fed Govt or guaranteed by Fed.

Govt.


PROPOSED EXPOSURE

A- FUND BASED

TYPES OF FINANCINGRequired

Weightage

Total Fund based Exposure as per Basic Defin iti on(as calcul ated in ECS-1)

M/S Muhammad Hanif Weaving Fac CITY BRANCH

Unconditional financialGuaranteesaccepted as collateral & payable on demand by

banks/DFIs rated at least A or equivalent by Standard & Poor, Moody's or Fitch-

Ibca or an credit ratin a enc on the a roved anel of SBP.

Under writing Commitments

Less: Exemptions allowed under R-1

Total F und based Exposure Under R-1

Total Exemptions / Relaxations Under R-1 For F und Based

Total Non Fund Based ExposureAs Per Basic Defin ition(as calculated in ECS-1)

Financial Guarantees issued by IFC, CDC,DEG, FMO & ADB

Listed TFCs held as security with duly marked lien & rated at least 'A' or

equivalent by a credit rating agency on the approved panel of SBP

244956911.xls.ms_office


39/41



Branch's Name:Borrower's Name:

M/S Muhammad Hanif Weaving Fac CITY BRANCH

3 Since exposure against LCs and LGs are already exempted to the extent of 50%, deductions on account of cash margin may not exceed 50% of the LC &

cases where cash margin is more than 50%



40/41



0.950

0.000

0.000

0.000

0.000

0.0000.000

0.000

0.000

0.000

0.000

0.000

0.950

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.000

0.950

Total equity

0.000

equity.

Excess/Short

-0.950

-0.950

ereagainst

Net

Exposure/

Exemptions



41/41



LG amount in