Evaluation of credit risk control in lending activities for corporate customers at Military Commercial Joint Stock Bank - Hue branch


5	Total working capital requirement required		Trđ		=(1)-(2)-(3)-(4)
6	Working capital turnover		Round/year		According to the year plan
7	Average working capital requirement		Trđ		=(5)/(6)
8	Own capital, self-mobilized		Trđ
9	Capital occupied by sellers, buyers and internal		Trđ
10	Additional working capital needs		Trđ		=(7)-(8)-(9)
11	Limits granted by other credit institutions		Trđ
12	Shortage of working capital		Trđ		=(10)-(11)
3.2. LC limit
TT	Target		Unit	Value	Note (state basis of calculation)
1	Expected net revenue		VND/ Foreign currency
2	Estimated cost of goods sold		VND/ Foreign currency
3	Import/cost ratio		%
4	LC payment method ratio		%
5	Required LC opening volume		VND/ Foreign currency
6	LC rotation		Ring
7	Average LC opening demand		VND/ Foreign currency
8	Limits granted by other credit institutions		VND/ Foreign currency
9	LC limit that can be granted		VND/ Foreign currency
3.3. Guarantee limit
TT	Type of Guarantee	Sales of guarantees (million)	Guarantee sales (million)	Guarantee cycle/year	Average demand for guarantees (tr.đ)
1	Bid
2	Contract performance
3	Advance
4	Guarantee
5	Other guarantees
	Total
- Basis for calculating guarantee limit:
4. Assess the risks arising in the event of granting a credit limit to the Customer
- Risks in business methods + Input risk + Output risk - Risks of collateral assets - Revenue management risks …
5. Conclusion on the value of the credit limit granted to the Customer
- Agree/Disagree to grant credit limit to Customer because……( reason/basis for proposing credit limit value )
BM/QTTD.DN-3/3.HMMOI

Maybe you are interested!

Evaluation of credit risk control in lending activities for corporate customers at Military Commercial Joint Stock Bank - Hue Branch - 1
Evaluation of internal control system for lending activities to corporate customers at the Joint Stock Commercial Bank for Industry and Trade - Lam Dong branch - 1
Some Solutions to Improve Internal Control in Lending Activities for Household and Individual Customers at Agribank Quang Tri
Credit risk management in lending to small and medium enterprises at Vietnam Joint Stock Commercial Bank for Industry and Trade - Dong Hai Duong Branch - 14
Some Solutions to Improve Credit Risk Management in Lending to Individual Customers at Vietnam Bank for Agriculture and Rural Development - Branch

NOTE 6: RELATIONSHIPS BETWEEN CUSTOMER GROUP MEMBERS

(Attached to Appraisal Report No…../TĐ-……. dated …../…../20…….)

Formatted: Font color: Auto

TT	Business name	Year of birth	Headquarters (City)	Business field	Equity (billion)	Major shareholder(*)	HM at
		set up		business main	copper)		MB




Total HM given to the group
1. Relationship between major shareholders of companies in the group 2. Sales structure, revenue ratio, receivables between companies in the group 3. Limits of all MB products provided to companies in the group 4. Assess the potential risk of capital misappropriation of the entire customer group (if any)

NOTE 7: …….

(Attached to Appraisal Report No…../TĐ-…….. dated …../…../20……)

Formatted: Font color: Auto Formatted: Font color: Auto Formatted: Font color: Auto Formatted: Font color: Auto Formatted: Font color: Auto Formatted: Font color: Auto

BM/QTTD.DN-3/3.HMMOI

Formatted: Space Before: 0 pt, Line spacing: Multiple 1.1 li

Formatted: Space Before: 0 pt, After: 1 pt, Line spacing: Multiple 1.1 li

Formatted Table

Formatted: Space Before: 0 pt, After: 1 pt, Line spacing: Multiple 1.1 li

Formatted: Space Before: 0 pt, Line spacing: Multiple 1.1 li

Formatted Table

Formatted: Space Before: 0 pt, Line spacing: Multiple 1.1 li

Formatted: Left, Space Before: 0 pt, Line spacing: Multiple 1.1 li

Formatted: Space Before: 0 pt, Line spacing: Multiple 1.1 li

Formatted ...

SOCIALIST REPUBLIC OF VIETNAM

Independence - Freedom - Happiness

----------  ---------

POST-CONTROL MINUTES

unmarketable

Today is the date of the month and year, we include:

Party A:

MILITARY COMMERCIAL JOINT STOCK BANK (MB) – BRANCH……..
Represent:	Grandparents.......................................	Position: CV QHKH DN
Represent:	Grandparents.......................................	Position:………………………
Party B:	COMPANY...............
Business Registration Certificate:	................................................................ ................................................................ ........
Current address:	................................................................ ................................................................ ........
Phone:	................................................................ .
Represent:	…………………………………	Position:………………………
Represent:	…………………………………	Position:………………………

I. INFORMATION ABOUT THE PLAN
1. Information on Credit Limit granted to Customers (Unit: million, USD...)
Limit Type	Granted Limit Information				Actual implementation to date.....
Limit Type	Contract Number	Value	Maintenance period	Purpose	Outstanding balance/LC/BL	Credit quality
Credit
LC
Guarantee
Total
2. Information on disbursement options this time
Disbursements in the HMTD are regularly granted.			Disbursements outside the regular HMTD are granted Sponsorship content is different from the regular HMTD granted (value, purpose, sponsorship method)

Formatted	...
Formatted	...
Formatted	...
Formatted	...
Formatted	...
Formatted Table

Together agree to check the following contents:

II. CONTENT OF CONTROL
1. Purpose of capital use
Right on target	Not for the right purpose Reasons for misuse of capital (if any)
Documents proving the purpose of capital use: (Details of documents according to attached documents, in case of multiple documents, they can be made into appendices)
Type of document	Document number	Date	Quantity/Weight	Value	Content
Sales contract (input)
VAT invoice/Invoice (input)
Customs declaration
Warehouse receipt
Warehouse delivery note
Other documents (Sales contract, VAT invoice (output), debt reconciliation minutes...)
Total
2. Assets formed from loan capital
Asset Type	Quantity/ Weight		Unit price	Asset value according to VAT invoice/invoice		Asset value at market price
....
Total
Asset value	Balance with disbursed value			Not balanced with the disbursed value. Causes of imbalance (if any)

Formatted: Space Before: 0 pt, Line spacing: Multiple 1.1 li

Formatted Table

Formatted: Space Before: 0 pt, Line spacing: Multiple 1.1 li

Formatted ...

Formatted Table

Formatted ...

Formatted Table

Formatted ...

Formatted Table

LD Number	Disbursement amount	Payment purpose	Disbursement method	Loan period
			Transfer/ Cash

Total

unmarketable

Property status	Description by payment and delivery schedule
3. Status of Customer's commitment implementation with MB
100% Compliance	Partial compliance	Not in compliance
	Commitment content	Actual implementation
Commitment to transfer revenue
Commitment to additional collateral
Other commitments

Formatted: Space Before: 0 pt, Line spacing: Multiple 1.1 li

III. CONCLUSION

Evaluate

- Customers use loan capital for the correct purpose as signed in the Credit Contract.

- The actual value of goods and materials is balanced with the disbursed loan value.

- Does the customer violate the commitments in the Credit Contract?

- Status of information provided by Customers to MB: is it timely, is the data provided truthful or not?

Proposal, recommendation

(if any)

- Contents that the Customer needs to add, time required for the Customer to send information or follow-up control (if any)

- Recommendations and proposals in case the Customer uses capital/advance for the wrong purpose, there are risks arising during the inspection process

Formatted: Space Before: 0 pt, Line spacing: Multiple 1.1 li

This record is made in 02 copies with equal legal value, the customer keeps 01 copy, Military Commercial Joint Stock Bank keeps 01 copy.

PARTY A

(Sign and print full name)

PARTY B

name) (Sign and print full name)

CVQHKH

Field of application requires l Fruit

CONTROL (TP/PP QHKH)

In case of request for additional information on the contents

, The manager of the Customer Service Department clearly states the clarification content, deadline and notes on customer service conditions (if any).

Formatted: Space Before: 0 pt, Line spacing: Multiple 1.1 li

unmarketable

SOCIALIST REPUBLIC OF VIETNAM

Dgc 1" ap — Tg do — Happiness

, date .... year ... ...

STORM NOTICE NO HQ

Dear : ...............................................................

To : ( 1 ) The following is the name of the Company : ( 2 ) The Company : ( 3 ) The Company : ( 4 ) The Company : ( 5 ) The Company : ( 6 ) The Company : ( 7 ) The Company : ( 8 ...

The desired date of receipt is . . .. . .month. . .. ..year. . .. . ... between Military Commercial Joint Stock Bank

- .. and Mr./Ms. . .. .. . .. . .. .. .. ... .. . .. .

Please describe your current situation : .. .. .. . . . . . . . . . . . . . . . . . . . . ' date . .. .. . . . . . . . . .. .. ..

Military Commercial Joint Stock Bank (MB) — ....... . .. ....announcement :

l- Loan terms ::

Loan amount :
2	Black Ivory :		°°
3	Unpaid corner :
4	Interest must be paid	day. .. . . . .. ..
5	Penalty (if any ) :
6	Other content:

2- I request Mr./Ms . p. . . . .. .. .. . . . . . . . . . . . . ...to pay the entire amount of the above-mentioned payment within . . . . . . . . from the time of receipt of this notice . If the above-mentioned time limit is exceeded , lvfB will take necessary measures to recover the debt according to the provisions of the related documents and the provisions of the law .

3- For specific inquiries , Customers should contact the Credit Card issuer directly , namely Mr./Ms . . . . . . . . . . . . . . . . ... ... Contact phone number :. . .. . . . . . . . . . . . . . . . Military Commercial Joint Stock Bank - Branch . . .. . ... .. . .. . .. . . . . . ...