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Define “Eligible Security” as per Bangladesh Bank guideline?/What do you mean by “easily marketable” commodities?/Define “under one obligor” concept?/How credit worthiness of a borrower can be judged?/What are the distinguish between Loans & Advances?

 
    1. Define “Eligible Security” as per Bangladesh Bank guideline?

    Ans. As per Bangladesh Bank’s BRPD Circular # 08 Dt. 27.04.2005 value of eligible securities are:  

  1. i). 100% value of deposit which are under lien against credit.

  2.   ii). 100% on the present market value of Gold & ornaments.

  3.   iii). 100% value of under lien Government Bond & Savings Certificate.   iv). 100% value of Guarantee provided by the GOB or Bangladesh Bank.   v). 50% market value of easily marketable commodities under direct control of Bank.  

  4. vi). Highest 50% market value of mortgaged land & building.  

  5. vii). In case of shares & securities which are in trade at DSE or CSE 50% of face value whichever is lower.

  6.  

    1. What do you mean by “easily marketable” commodities?

    Ans. As per Bangladesh Bank’s BRPD Circular # 08 Dt. 27.04.2005, easily marketable commodities means – Pledged goods which are under complete control of the Bank, which are easily encashable/saleable. It is the regular routine work of Bank Official to ensure either these goods are useable, within the validity, readily insured with up to date document.

    1. Define “under one obligor” concept?

      Ans. I). Credit extended to any Corporation/Company, partnership or other business entity in which the borrower owns a direct interest of 50% or more.  

  7. ii). Credits extended to any business entity in which the borrower owns an indirect interest of 50% or more, provided

  8. a). the borrower exercises a degree of management control, either directly or indirectly

  9. b). or if the fortunes of the indirectly owned units are affected by the business of the borrower or by the entities owned directly by him.

  10. iii). In case of credits extended to entities with less than 50% (direct or indirect) ownership of the borrower, if the control and or business dealings of the borrower are of such impact as to influence the credit worthiness of the borrowers in the group.  

  11. iv). All obligors related to the borrower as a result of guarantees, endorsement or other agreements/arrangements in favor of the Bank.   v). All obligors related as a result of common parent. 05.07.09 reviewed

    1. How credit worthiness of a borrower can be judged?

    Ans. Credit worthiness of a borrower can be judged on following General principles:  

  12. i). The integrity of the borrower: He should be a respectable & honorable man who can be relied on to keep his promise.

  13.   ii). The ability to repay the advance: This ability will depend on his financial resources, which is meant not only his income but also the property or capital that he possesses or will possess.

  14.   iii). The purpose for which the advance is required: The bank should ensure that the purpose of the loan is such as to make the advance suitable as a matter of banking business.  

  15. iv). The source of repayment of the advance: We should ensure that the product which the borrower has been manufacturing/dealing with, has a good demand in the market.  

  16. v). The period for which the advance is required: An advance to a manufacturer to enable him to buy raw materials to fulfill a profitable short term contract is an advance of temporary character promising sound banking business.

    1. What are the distinguish between Loans & Advances?

    Ans. Though Loans & Advances apparently indicate a common synonyms but in details, Advance used in macro sense &  Loan used in micro sense. Bank’s fund deployed in different forms of credit are termed as advance & on the other hand when an advance is made in a lump sum repayable either in fixed monthly installments or in lump sum and no subsequent disbursement is allowed is called a loan.

72 thoughts on “Define “Eligible Security” as per Bangladesh Bank guideline?/What do you mean by “easily marketable” commodities?/Define “under one obligor” concept?/How credit worthiness of a borrower can be judged?/What are the distinguish between Loans & Advances?”

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