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Loan Syndication
Syndication means joint financing by more than one bank to the same clients against a common security. This is done basically to spread the risk. It also provides a scope for an independent evaluation of risk and focused monitoring by the agent / lead bank.

In Syndication financing banks also enter into an agreement that one of the lenders may act as Lead Bank. In such case, lead bank has to co-ordinate the activities at various stages of handling the proposal i.e. appraisal, sanction, documentation, sharing of security, disbursement, inspection, follow-up, recovery, distribution of installments. / interest etc. It may also call meeting on syndication members, whenever necessary to finalize any decision.
Types of Facilities
Credit enhanced syndicated loan.
Working Capital Syndication.
Loan for BMRE / New Projects.
Project Finance Loan
Local Currency Loan under Structured Finance etc
Parties to the Syndication
Arranger (Single Arranger / Co-Arranger / Arranger Group). Arranger must obtain mandate from the customer / Borrower.
Participants (Banks / Financial Institutions etc.).
Advantages of Customers
May get a large loan by contacting with one Bank / Arranger.
Less time consuming and cost effective.
Answerable to only one Bank.
Corporate Banking
Funded Credit Facility
1.1 CC (Hypo)
1.2 SOD (G) or OD
1.3 SOD(WO)
1.4 SOD(FO)
1.5 Loan (FO)
1.6 Time Loan
1.7 LTR
1.8 PC
1.9 ECC
1.10 IDBP
1.11 FDBP(F)
1.12 FBP
1.13 IBP
1.14 Loan Against EDF
1.15 OD(Export)
1.16 Lease Finance (LF)
1.17 Hire Purchase (HP)
1.18 Term Loan
1.19 HBL(Com)
1.20 Loan(General) or Loan (G)
1.21 Syndication Loan & Structured Finance
Non-Funded Credit Facility
2.1 Letter of Credit (L/C)
- Sight L/C
- Usance or Deferred Payment (DP) L/C
- UPAS L/C (Usance Payable at Sight)
- Stand By letter of Credit
- Back to Back (BTB) L/C
2.2 ABP
2.3 Bank Guarantee (BG)
- Bid Bond (BB)
- Performance Guarantee (PG)
- Advance Payment Guarantee (APG)
- Retention Money Guarantee/Retention Bond/ Warrantee Guarantee
- Payment Guarantee/ Suppliers Credit Guarantee
- Guarantee against Counter Guarantee of other Bank
- Customs Guarantee
- Other Bank Guarantees