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ABN Amro
Corporate Lending Service Structured Products (Project Finance and Structured Debt, Structured Trade Finance, Trade and Commodity Finance), Trade Services (Risk mitigation, settlement, financing and information solutions)

Project Finance
	Structured Products (Project Finance and Structured Debt, Structured Trade Finance, Trade and Commodity Finance), Trade Services (Risk mitigation, settlement, financing and information solutions)

	Fund based (Cash credit, Bill discounting)
	Non-fund based (Letters of credit, Bank Guarantees)
	Loans for purchase of machinery
	Specific assets to be repaid over medium and long term
	Current accounts
	Escrow accounts
	Trust and Retention accounts
	Fixed Deposits
	Collections
	Payments
	Dividend and interest warrant payments
	Export credit by way of pre shipment and post shipment products
	Foreign bill negotiations
	Foreign bill discounting and purchase
	Forward covers
	Options Interest rates swaps, etc.
	Vendor and dealer financing
	Inventory funding
	Lease and credit card receivable discounting
	Overdrafts in Current Accounts (O.D.)
	Cash Credits (C.C.)
	Loans, Bills purchase (BP) and Usance Bills Discounted (UBD)
	Packing Credit Loans (PCL)
	Credit Facility to SMEs (Tiny Industries, Small Scale Industry, Medium Enterprises, Small Service & Business Enterprises)
	Letter of Guarantee (L.G.),
	Letters of Credit (L.C.),
	Deferred Payment Guarantees (DPG)

Asset Based Financ Equipment Finance, Operating Leases, Securitisation, Portfolio Purchase, Sales Aid Financing, Franchisee Financing products
Channel Finance
	Offers dealers/distributors ready access to working capital at competitive rates of interest
Structured Trade Finance
	Combined with a diverse range of risk mitigation products, can solve corporate's medium to long-term financial needs
Office Equipment Loans
	New Asset Finance (ICICI has tie ups with leading manufacturers, competitive rates),
	Switch, Top-up
	Shortfall in working capital and general corporate purposes
	Refinance
	Repurchase
	GenSet Financing.
	Structured Products (Project Finance and Structured Debt, Structured Trade Finance, Trade and Commodity Finance), Trade Services (Risk mitigation, settlement, financing and information solutions)
	Structured Products (Project Finance and Structured Debt, Structured Trade Finance, Trade and Commodity Finance), Trade Services (Risk mitigation, settlement, financing and information solutions)

Corporate Lending Service
Corporate Banking
	Corporate loans are offered to corporations so to meet sudden and unexpected financial crunch
Advance to Real Estate Developers
	Loans for construction of commercial complexes/ Hotels/Industrial/Warehouse spaces Overdrafts for construction and sale of flats and commercial space Margins and advances vary from 40%-50%
Project Finance
	To set up new projects To Expand capacity of existing projects Consulting services (Fee based)
Infrastructure
	Andhra Bank provides finance to companies engaged in developing, operating and/or maintaining infrastructure in any of the following sectors:
	Road (Toll, Bridge, Rail)
	Highway Project
	Port, Airport, Inland Port
	Irrigation, Water supply project, Water Treatment, Sanitation & Sewerage
	Telecommunication Services
	Industrial Park, SEZ

	Corporate Lending Service
	Working Capital Finance
Working Capital Finance meets corporations' operating expenses, receivable financing and purchasing inventory
Short Term Corporate Loans
Meets short term capital exigencies and other requirements at market competitive rates
Project Finance
	Loans are provided for ongoing projects

Corporate Loan Corporations can avail loan to augment long term resources, acquisition of fixed assets, pre-payment of high cost debts etc

Maximum Amount Rs. 30 crores

Lending Rates are at par with market rates

Term Loans for
	Expansion of existing enterprise Establishment of a new enterprise Project implementation
Project Finance
	Usually such projects are operationalised through consortium arrangement along with the Term Lending Financial Institutions and other public/ private sector Banks.
Working Capital
	To meet recurring expenses such as
	Acquisition of raw material
	The various expenses connected with products
	Conversion of raw materials into finished products
	Marketing and administrative expenses, etc
Corp Rental
	Financing the owner of the commercial properties against future rent receivables for the unexpired period of lease specified in the lease agreement
	Minimum amt- 5 Lakhs, No upper limit
	Rate of interest: 9:0% p.a
	Processing Charges: A one time upfront fee of 0.50%

A Separate Industrial Advisory Project Finance Division takes care of all the industrial projects
	Financial Assistance to different business entities termed as long term and short term finance Specific schemes for Builders and Developers Minimum 20% of the project cost has to borne by the borrower Maximum Limit up to Rs. 20 crores
	Structured Products (Project Finance and Structured Debt, Structured Trade Finance, Trade and Commodity Finance), Trade Services (Risk mitigation, settlement, financing and information solutions)
	Structured Products (Project Finance and Structured Debt, Structured Trade Finance, Trade and Commodity Finance), Trade Services (Risk mitigation, settlement, financing and information solutions)

Working Capital Finance:
	Fund based (Cash credit, Bill discounting)
	Non-fund based (Letters of credit, Bank Guarantees)
Term Loans
	Loans for purchase of machinery Specific assets to be repaid over medium and long term
Deposit Products
	Current accounts Escrow accounts Trust and Retention accounts Fixed Deposits
Cash Management Products
	Collections Payments Dividend and interest warrant payments
Trade Finance Products:
	Export credit by way of pre shipment and post shipment products Foreign bill negotiations Foreign bill discounting and purchase
Treasury Products
	Forward covers Options Interest rates swaps, etc
Structured products
	Vendor and dealer financing Inventory funding Lease and credit card receivable discounting
	Overdrafts in Current Accounts (O.D.) Cash Credits (C.C.) Loans, Bills purchase (BP) and Usance Bills Discounted (UBD) Packing Credit Loans (PCL) Credit Facility to SMEs (Tiny Industries, Small Scale Industry, Medium Enterprises, Small Service & Business Enterprises)
	Letter of Guarantee (L.G.), Letters of Credit (L.C.), Deferred Payment Guarantees (DPG)
	Offers dealers/distributors ready access to working capital at competitive rates of interest
	Combined with a diverse range of risk mitigation products, can solve corporate's medium to long-term financial needs
	New Asset Finance (ICICI has tie ups with leading manufacturers, competitive rates),
	Switch, Top-up Shortfall in working capital and general corporate purposes Refinance Repurchase GenSet Financing Letters of Credit Bank Guarantee
	Loan Syndcation Real Time Gross Settlement Cash Management Services Channel Financing Vendor Financing Cash Surplus Corporate Working Capital Finance (cash credit or suitably structured loans) Construction Equipment Loans (Types of Loans, New Equipments, Used Equipments/Refinance, Balance Transfer, Top-Up loans) Short Term Finance (Structured Cash Flow Financing) Real Estate Initiatives (solutions to commercial properties leased to various reputed corporates / banks / insurance companies / retail chains.) Real Estate Initiatives (solutions to commercial properties leased to various reputed corporates / banks / insurance companies / retail chains.) Tenor for 12 months. Limits renewed every year. Pricing is both risk and market related. Primary Charge on the inventory and receivables Charge on other current assets, wherever possible) Collateral Personal guarantee of promoter directors/partner/proprietor. Mandatory in most cases First/second charge on fixed/immovable assets
	Term loan (tenor, interest etc.) and assessment parameters (feasibility, cash flow, etc.) are standardized Equipment manufacturer identifies credit worthy customers The Bank conducts due diligence for validation The Bank sanctions term loans & disburses net amount directly to the Company Cash credit/working capital demand loans are structured to specific needs: Office Equipment Loans Switch Top-Up Refinance Repurchase GenSet Financing
	Bill Discounting The Dealer Financing schemes offer short-term unsecured finance at reasonable cost to selected dealers of large corporates. Extended for procurement of goods from corporates Credit Card Securitization, Switch Equipment Finance, Merchant Account Quick payout No documentation, No security collateral or approvals, Overdraft facility customers can use at their discretion for a period of up to one year Normal capital expenditure Working capital margin Shortfall in working capital and general corporate purposes Past records (Min 5 years of operation), Credit Rating: Minimum Triple B (BBB) for assisted companies , and A minus (A-)for companies not assisted by IDBI
	Net Worth: Not less than Rs.10 crore, Debt to Equity Ratio (Long Term): Max 1.25:1, Current Ratio: Minimum 1.1:1 Interest Cover: Minimum 2:1
	Eligibility criteria Debt to equity ratio 1.5:1 Promoters' Contribution: 25% of project cost Rupee and other foreign currency term loan , Up-front Fee/Processing fee: Up to 1% of the loan amount Interest Rate on Rupee Loan: Fixed or floating rate Interest Rate on Foreign Currency Loan: Normally floating rate Underwriting commission /management fee: Up to 2.5% of the amount Repayment:In monthly / quarterly installments to be fixed on case-to-case basis
	Fund based facilities Working Capital Finance (Cash credit, Overdraft, Bill Discounting, Short-Term Loans, Export Financing) Short Term Finance (For a period ranging from 3 months to 12 months Term Loans (For a period of 3-5 years with a moratorium period), Bills Finance-Supply/Purchase Asset Securitisation (lease rental receivables and other receivables backed by firm arrangements) Line of Credit (are either predetermined or negotiated at the time of availment) Asset Based Financing (Construction / Earth Mining Equipments of all brands, new and used Commercial Vehicles of all manufacturers and Two Wheelers)
	Non-fund based facilities (Letters of credit, Bank Guarantees) Fund based facilities, Non-fund based and value added facilities Equity Fund Scheme Term Loan (Tenor 3-7 years) Demand Loan (repayable in 35 equated monthly installments) Bridge Loan (for mismatch in inflow and outflow of the company short-term sources) Book Debt Financing Consortium Lending Letter of Credit Bank Guarantees Deferred Payment Guarantees Cash credit Overdraft Bill discounting Subscription to commercial paper Short-term loans Export financing Medium term loans Preference shares Non-convertible debentures Documentary credit and bank guarantees Short-term loans for a period ranging from 3 months to 12 months Long term capital loans for up to 5 years Interest rates (either linked to PLR or at a fixed rate with varying repayment patterns) Bills Finance - Supply / Purchase Bills Channel Finance Asset Securitisation Line of Credit Loans to both industrial and Infrastructure sectors like Telecom Fertilizer Cement Oil & Gas Power Ports Roads Railways Housing
	Infrastructure Banking Unit (IBU) Structured & Project Finance Unit (SP&F) Financial Restructuring Unit (FRU)
	SP&F offers structured and project finance expertise to non-infrastructure clients Special emphasis on Securitisation Structured Liability Products Debt Syndication Leverage Finance Asset & Tax based structures Advisory and credit linked products for sectors like Power Telecom Mining Oil & Gas

Fund Based Service

Overdrafts in Current Accounts (O.D.)
Cash Credits (C.C.)
Loans, Bills purchase (BP) and Usance Bills Discounted (UBD)
Packing Credit Loans (PCL)
Credit Facility to SMEs (Tiny Industries, Small Scale Industry, Medium Enterprises, Small Service & Business Enterprises)

Letter of Guarantee (L.G.),
Letters of Credit (L.C.),
Deferred Payment Guarantees (DPG)

Offers dealers/distributors ready access to working capital at competitive rates of interest
Combined with a diverse range of risk mitigation products, can solve corporate's medium to long-term financial needs
New Asset Finance (ICICI has tie ups with leading manufacturers, competitive rates),
Switch, Top-up
Shortfall in working capital and general corporate purposes
Refinance
Repurchase
GenSet Financing.

Corporate Funded Services
Working Capital Finance, Short Term Finance, Bill Discounting, Structured Finance, Export Credit, Term Lending
Non-Funded service
Letters of Credit Bank Guarantee

A: The stamps are required to be purchased in the name of anyone of the executors to the Instrument.

Corporate Loan finance for

Normal capital expenditure
Working capital margin
Shortfall in working capital and general corporate purposes

Eligibility Criteria:
Past records (Min 5 years of operation),

Credit Rating: Minimum Triple B (BBB) for assisted companies , and A minus (A-)for companies not assisted by IDBI

Net Worth: Not less than Rs.10 crore Debt to Equity Ratio (Long Term): Max) 1.25:1,
Current Ratio: Minimum 1.1:1
Interest Cover: Minimum 2:1

Project Finance
Eligibility criteria
Debt to equity ratio 1.5:1
Promoters' Contribution: 25% of project cost

Types of Assistance

Rupee and other foreign currency term loan ,
Up-front Fee/Processing fee: Up to 1% of the loan amount
Interest Rate on Rupee Loan: Fixed or floating rate
Interest Rate on Foreign Currency Loan: Normally floating rate
Underwriting commission /management fee: Up to 2.5% of the amount Repayment:In monthly / quarterly installments to be fixed on case-to-case basis

For Large Indian Companies
	Fund based facilities Working Capital Finance (Cash credit, Overdraft, Bill Discounting, Short-Term Loans, Export Financing) Short Term Finance (For a period ranging from 3 months to 12 months Term Loans (For a period of 3-5 years with a moratorium period), Bills Finance-Supply/Purchase Asset Securitisation (lease rental receivables and other receivables backed by firm arrangements) Line of Credit (are either predetermined or negotiated at the time of availment) Asset Based Financing (Construction / Earth Mining Equipments of all brands, new and used Commercial Vehicles of all manufacturers and Two Wheelers) Non-fund based facilities(Letters of credit, Bank Guarantees)
For Small and Medium Companies
	Fund based facilities, Non-fund based and value added facilities

Corporate Lending Service
	Equity Fund Scheme Term Loan (Tenor 3-7 years)
Working capital
	Demand Loan (repayable in 35 equated monthly installments) Bridge Loan (for mismatch in inflow and outflow of the company short-term sources) Book Debt Financing Consortium Lending
Non fund based
	Letter of Credit Bank Guarantees Deferred Payment Guarantees

Working Capital Finance
Fund Based
	Cash credit Overdraft Bill discounting Subscription to commercial paper Short-term loans Export financing Medium term loans Preference shares Non-convertible debentures
Fee Based
	Documentary credit and bank guarantees
Term Lending
	Short-term loans for a period ranging from 3 months to 12 months Long term capital loans for up to 5 years Interest rates (either linked to PLR or at a fixed rate with varying repayment patterns) Bills Finance - Supply / Purchase Bills Channel Finance Asset Securitisation Line of Credit
Infrastructure
	Loans to both industrial and Infrastructure sectors like Telecom Fertilizer Cement Oil & Gas Power Ports Roads Railways Housing

Corporate Lending Service
	Infrastructure Banking Unit (IBU) Structured & Project Finance Unit (SP&F) Financial Restructuring Unit (FRU)
Project Finance
	SP&F offers structured and project finance expertise to non-infrastructure clients Special emphasis on Securitisation Structured Liability Products Debt Syndication Leverage Finance Asset & Tax based structures
Infrastructure
	Advisory and credit linked products for sectors like Power Telecom Mining Oil & Gas Transportation and Wind Energy segments