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Corporate Banking by Vijaya Bank

Corporate banking means custom made financing and banking services for corporations. This form of banking extends financial help to corporate entities to ease their day-to-day operations.<br>

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Corporate Banking by Vijaya Bank

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  1. Corporate Banking by Vijaya Bank

  2. Corporate Banking • Corporate banking means custom made financing and banking services for corporations. • This form of banking extends financial help to corporate entities to ease their day-to-day operations. • Corporate banking normally serves a diverse range of clients, ranging from small to midsize businesses having revenue in few millions, to large corporations with billions in sales spread across the nation.

  3. Corporate Banking by Vijaya Bank • Vijaya Bank extends corporate banking services by way of : • Term loan • Working capital • or combination of both. • Delivery Channels: For speedy disposal of the proposals, Bank has formulated 14 Corporate Banking Branches (CBB) spread across Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai and Pune.

  4. Term loan also known as project loans are usually granted for setting up infra projects or industrial units/commercial ventures and are normally granted for part funding capital assets/purchase of fixed assets. This loan is also granted on a standalone basis or for the expansion of an existing unit/venture or for its diversification. • The assessment eligibility is done basis on the basis of a detailed Information Memorandum (IM), prepared by the Project Appraising authorities. This covers various aspects like permissions from various statutory authorities, management profile, profile of the promoters, project timelines, Date of Commencement of Commercial Operations etc. • Primary security will be the related project assets created/ purchased with the term loan and promoters’ share of investment will be considered as the margin. • The lending will be generally in the form of consortium/syndication. Term Loan

  5. Working capital loan • This loan is granted for meeting day-to-day working capital requirements. • This facility is available only after project has reached near completion and after full tie-up of the term loan requirement. • Applicants are assessed based on 3 broad categories which are set by the board: • Projected Turnover Method (PTM) - for projects which have a credit limit above Rs.10.00 lakhs but upto Rs.2.00 crore (upto Rs.5.00 crore for MSEs). • Projected Balance Sheet Method (PBSM) - for projects which have credit limit above Rs.2.00 crores (over Rs.5.00 crore for MSEs). • Cash Budget Method (CBM) - for funding the credit needs of IT sector, Service Sector Enterprises, construction contractors, seasonal agri `based activities like plantations, tea gardens irrespective of the credit limit. • To meet the credit requirement of corporates, bank provides finance in the form of Bills facility, Non fund facilities, export credit etc. • Based on the rating of the borrower interest rates are linked. • Some plans to cater to the corporate needs are: • V-Corporate Loan scheme (other than NBFC) • V-Short Term Loan to Corporates • Vijaya Foreign Currency Resident Loan Scheme • V-Exporters Gold Card Scheme

  6. VIJAYA BANK • Vijaya Bank is a PAN India Institution, serving diverse sectors of the society • The Bank offers a bouquet of innovative and attractive products and services to its customers. It has also incorporated a host of latest Digital Banking products, to provide the best services to its customers. Digital Banking services are: • VPAYQWIK • Mobile Banking • Net Banking • Vijaya UPI • Twitter bankingand many more… For details, visit: https://www.vijayabank.com

  7. THANK-YOU

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