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Products & Services
The corporate banking unit of the bank is headed by a Senior Relationship Manager, with experience of handling project financing and large corporate houses. The unit focuses not only on providing straight forward solutions but on structured facilities based on the client's specific needs. The team also advises the client on need based, flexible solutions matching the core current and future requirements of the business. The facilities so provided include Overdraft, Demand Loan, Fixed Term Loan, Import Financing and Export Financing. Our team of experienced bankers will also advise a corporate unit in their growth plans. The range of products in our corporate banking suite is as follows:
We provide the following range of credit products and services to our customers under EFS scheme.
OD helps a client to manage its day to day liquidity by financing its cash flow gap.
Demand Loan (DMLN)
DMLN is provided to trading and industrial clients to meet their requirements to finance current assets like inventory stocks and receivables.
Fixed Term Loans (FTL)
Long Term Loans (LTL), Medium Term Loans (MTL) and Short Term Loan (STL) will be advanced in various forms. The following are some of them:
Medium or Long Term Loan (MTL or LTL) - Fixed Assets Investments
MTL or LTL shall be provided to the client mainly for fixed assets investments such as purchase of land or construction of buildings or purchase of plant and machinery.
Short Term Loan(STL)
STL could be advanced to the client for financing working capital requirement for short period of time. This loan shall be provided for very short period of time and renewal shall be conditional.
Bridge Gap Financing (BGF)
BGF is a short or medium term loan in the form of interim financing given in anticipation of financing for longer duration in the future.
Trading loans shall be in the form of revolving loan, hypothecation loan and/or in other forms as approved by the concerned authority and provided to trading/business houses.
Bills Purchase or Negotiation
The bank can facilitate the cash flow gap of its clientele by providing loans against the security of outward bills, either purchasing within special arrangements or negotiating.
Import/Trust Receipt Loan
To facilitate the corporate/business clients to meet its working capital requirement for the purpose of meeting the gap in its asset conversion cycle, the bank can provide loans against import LCs as per the Central Bank (NRB) directives
To meet the financing requirements for exporters, the bank can provide pre-shipment and post- shipment loans against export LCs issued by banks acceptable to it.
Loan against Fixed Deposit Receipt (FDR)
The bank can provide consumption loan demanded against FDR of the Bank or other financial institutions at very attractive rates
Deprived Sector Loan
The bank can provide loans to the deprived sector as defined by NRB directives.
Letter of Credit (LC)
The bank can open Letters of Credit in many countries through its expanding list of corresponding banks to facilitate the import requirement of its corporate/business clients
Bank Guarantees (B/G)
The bank can issue various bank guarantees to meet the differing requirements of its clientele for various purposes like bidding for tenders, issuing performance bonds and advance payment guarantees. The bank can also issue local guarantees against the counter guarantees of acceptable foreign banks.