1 |
Is
/ are Borrower’s Loan application(s) available on record ?
|
*
Yes / No |
2 |
Is
/ are original renewal sanction advice (s) available on record
? |
*
Yes / No |
3 |
Is
/ are there any enhancement (s) in loan facility available
on record ? |
*
Yes / No |
4 |
Whether
Credit Worthiness Reports on the Borrowers were obtained from
banks /other financial institutions? |
*
Yes / No |
5 |
Is
the nature of business available on record ? |
*
Yes / No |
6 |
What
is the status of Business ? |
Sole
Proprietorship / Partnership/ Private Ltd.Co/Public Ltd .Co.
|
7 |
Are
names and addresses of Owners/partners/Directors available
on record? |
*
Yes / No |
8 |
Are
the names of Guarantors with full addresses, their status
and their worth at the time of sanction and at present available
on record? |
*
Yes / No |
9 |
Is
the mode of repayment of loan or repayment schedule available
on record? |
*
Yes / No |
10 |
Is
the valuation Certificate of properties/securities through
bank’s approved surveyor / architect available on record?
|
*
Yes / No |
11 |
Is
legal opinion of the banks Legal Advisor regarding genuineness
of the security documents available on record?
|
*
Yes / No |
12 |
Is
the report on the borrower’s borrowings from other banks/financial
institutions called from (CIB) Credit Information Bureau of
SBP? |
*
Yes / No |
13 |
Is
the date and amount of last repayment available on record?
|
*
Yes / No |
14 |
Are
the reasons on account of which the loan became stuck-up available
on record? |
*
Yes / No |
15 |
Are
the details of outstanding against the borrowers i.e. principal,
interest charged, Accrued Interest not debited, Penal interest,
other charges and total available on record? |
*
Yes / No |
16 |
Are
the details of recovery efforts made by the bank including
necessary correspondence/legal notices/recovery suit/decree/execution
petition and results thereof available on record.
|
*
Yes / No |
17 |
Are
details of compromise made outside the court and reasons therefor
available on record? |
*
Yes / No |
18 |
Is
the date on which the compromised amount paid by the borrower
available on record? |
*
Yes / No |
19 |
If
the borrower has become bankrupt, are the details of court
proceedings and action taken by the bank available on record?
|
*
Yes / No |
20 |
If
the borrower is dead, are the following
details available on record:-
ii.
Heirs left behind
iii.
Assets left behind
iv.
Valuation of Assets |
*
Yes / No |
21 |
Is
the write off note approved by the competent authority together
with resume of the loan case available on record?
|
*
Yes / No |
22 |
Are
the details of action taken against the delinquent officials,
available on record? |
*
Yes / No |
23 |
Whether
the borrower is still in business? |
*
Yes / No |
24 |
In
case of hypothecated stocks, were the stocks sold and proceeds
thereof credited
to the loan account? |
*
Yes / No |
25 |
Whether
the securities pledged/hypothecated were released to the borrower,
if so, Is the date of release available on record?
|
*
Yes / No |
26 |
Whether
property/Properties mortgaged were redeemed to the borrower,
if so, is the date of redemption available on record?
|
*
Yes / No |
27 |
Whether
periodical stock reports/insurance cover of hypothecated/pledged
stocks were obtained ? |
*
Yes / No |
28 |
Whether
physical verification of the hypothecated/pledged stock was
carried out periodically? |
*
Yes / No |
29 |
Whether
debit balance confirmation was obtained from the borrower,
if so, is a copy of the same available on record?
|
*
Yes / No |