Corporate Banking : : Loans and Advances : : Bank of Asia Nepal Limited

Loans and Advances
	Corporate Banking
	Business Banking
	Enterprise (SME) Financing
	Personal Financial Solutions
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	Home Loan
	Auto Loan
	Educational Loan
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	Personal Loan
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	Loan Against Real Estate / Gold / Assets
	Loan Against Vehicle
	Loan Against Shares
	Loan Against FDR
	Loan Against Foreign Bank G'tee

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Business Banking

The bank understands that requirements of mid level business units and budding entrepreneurs are different from those of big corporate houses. In order to meet specific requirements of these businesses, we have segregated the business banking domain into two categories

Business Financing
Various solutions for the mid level business houses, who intend to be future big corporate houses with diversified businesses.

Enterprise Financing
At BOA, we believe in growing together. We believe that no business is too small. We look forward to nurturing relationships from scratch and look towards fostering our own growth and future strength based on the growth and support of our customers. In line with this, our Enterprise Financing Solutions are tailored towards the specific needs of entrepreneurs having dreams of growing big.

Dedicated, trained Relationship Managers (RMs) look after each relationship under the Enterprise Financing Solutions. These RMs act not only as loan providers, they also help out in providing vital Financial Advisory Services geared toward making the enterprise more competent and professionally managed. Whether it is the purchase of a construction equipment, expanding to wholesaling from retailing, graduating to doing own imports from buying locally, our Relationship Managers will be with you all the time, providing the vital missing link between your resources and your big dreams.

The above segregation is intended to achieve the following:

Faster turnaround time and decision making
Better understanding of these businesses for specifically tailored solutions

The range of products in our business banking suite is as follows:

Overdraft (OD)

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.

Supply Finance

Loans are provided to customers having specific vendor agreements, contracts or supply agreements against the receivable of those specific contracts

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

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.

Export Credit

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.