Appendix 3: Sample questionnaire format
FILE N°:
|
JANUARY
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
|
APRIL
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
|
AUGUST
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
REMARKS:
Appendix 4: Sample Questionnaires
FILE N°: 1-001
|
JANUARY
|
|
Financial situation / Overdue period:
Mitigated
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IA
|
B
|
|
Provision
|
10%
|
10% - 15%
|
|
Remedial strategy
|
Monitoring
|
Close monitoring, follow-up
|
|
APRIL
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
|
AUGUST
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
REMARKS: At February 28, 2005 the company
has been declassified.
|
JANUARY
|
|
Financial situation / Overdue period:
Critical
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IA
|
C
|
|
Provision
|
-
|
-
|
|
Remedial strategy
|
Continue relationship and
exposure up to collateral value
|
Short Term repayment
schedule of outstandings
|
|
APRIL
|
|
Financial situation / Overdue period:
Critical
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IA
|
C
|
|
Provision
|
-
|
-
|
|
Remedial strategy
|
Continue relationship and
exposure up to collateral value
|
Repayment schedule
Use of collateral
|
|
AUGUST
|
|
Financial situation / Overdue period:
Critical
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IA
|
C
|
|
Provision
|
-
|
-
|
|
Remedial strategy
|
Sustain company's working capital
|
Use of collateral to repay
outstandings
|
REMARKS: No reserves were taken by the
Bank as all outstandings were secured by cash
collateral.
FILE N°: 1- 003
|
JANUARY
|
|
Financial situation / Overdue period: Serious
losses, critical
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IA
|
C
|
|
Provision
|
10%
|
25%-30%
|
|
Remedial strategy
|
Loan restructuring program
|
Fully secure the loan with more collateral Restructure the
loan
|
|
APRIL
|
|
Financial situation / Overdue period:
Mitigated
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IA
|
B
|
|
Provision
|
10%
|
10% - 15%
|
|
Remedial strategy
|
Close monitoring
|
Close monitoring, follow-up
|
|
AUGUST
|
|
Financial situation / Overdue period:
Mitigated
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
REMARKS: After May 31, 2005 the company
has been declassified.
|
JANUARY
|
|
Financial situation / Overdue period:
Mitigated
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IA
|
B
|
|
Provision
|
10%
|
10% - 15%
|
|
Remedial strategy
|
Monitoring
Sustain company's needs
|
Close monitoring, follow-up
|
|
APRIL
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
|
AUGUST
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
REMARKS: At March 30th, the
company has been declassified.
FILE N°: 1-005
|
JANUARY
|
|
Financial situation / Overdue period:
Mitigated
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IA
|
B
|
|
Provision
|
10%
|
10% - 15%
|
|
Remedial strategy
|
Monitoring
|
Close monitoring
Follow-up
|
|
APRIL
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
|
AUGUST
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
REMARKS: At February 28th, the
company has been declassified.
|
JANUARY
|
|
Financial Situation / Overdue Period:
Mitigated
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IA
|
B
|
|
Provision
|
10%
|
10% - 15%
|
|
Remedial strategy
|
Close monitoring
|
Close monitoring, follow-up
|
|
APRIL
|
|
Financial situation / Overdue period:
Mitigated
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IA
|
B
|
|
Provision
|
10%
|
10% - 15%
|
|
Remedial strategy
|
Keep monitoring
|
Close monitoring, follow-up
|
|
AUGUST
|
|
Financial situation / Overdue period:
Critical
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IA
|
C
|
|
Provision
|
10%
|
10% - 15%
|
|
Remedial strategy
|
Keep monitoring
|
Close monitoring, follow-up
|
FILE N°: 2-001
|
JANUARY
|
|
Financial Situation / Overdue Period: Critical /
STL overdue for 7 months
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
II
|
D
|
|
Provision
|
25%
|
50% - 75%
|
|
Remedial strategy
|
Close monitoring Commencement of legal action and sale of
collateral
|
Sell collateral Take legal action Exit the business
|
|
APRIL
|
|
Financial situation / Overdue period: Still
critical
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
III
|
D
|
|
Provision
|
50%
|
50% - 75%
|
|
Remedial strategy
|
Legal action if outstanding not paid-off by September 30,
2005.
|
Sell collateral
Take legal action
Exit the business
|
|
AUGUST
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
REMARKS:
|
JANUARY
|
|
Financial situation / Overdue period:
Critical
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
II
|
C
|
|
Provision
|
50%
|
25% - 30%
|
|
Remedial strategy
|
Wait for IPO outcome
|
Restructure the facility
Repayment schedule
|
|
APRIL
|
|
Financial Situation / Overdue Period:
Critical
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
D
|
|
Provision
|
100%
|
50% - 75%
|
|
Remedial strategy
|
Wait for IPO outcome to pay off
the facility
Legal action if the company's position is not settled by
September 30, 2005.
|
Sale of collateral
|
|
AUGUST
|
|
Financial situation / Overdue period: Poor
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
D
|
|
Provision
|
100%
|
50% - 75%
|
|
Remedial strategy
|
Declassify the company
|
Declassify the company after
settlement
|
REMARKS: As result of an agreement, total
outstandings of the company were supposed to
be settled by its brokers and written off.
FILE N°: 3-001
|
JANUARY
|
|
Financial situation / Overdue period: Poor / 3
months overdue after restructuring program
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
III
|
D
|
|
Provision
|
50%
|
50% - 75%
|
|
Remedial strategy
|
Close monitoring of company's activities
|
Fully secure the loan with
additional collateral and closely monitor company's activities
and proceeds
|
|
APRIL
|
|
Financial situation / Overdue period: Poor
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
D
|
|
Provision
|
100%
|
50% - 75%
|
|
Remedial strategy
|
New restructuring plan
|
Sell collateral and commence
legal action
|
|
AUGUST
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
E
|
|
Provision
|
100%
|
100%
|
|
Remedial strategy
|
Liquidation if the company if not
able to perform under the new restructuring plan
|
Sell collateral, take legal action
and exit the business
|
|
JANUARY
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
III
|
D
|
|
Provision
|
50%
|
50% - 75%
|
|
Remedial strategy
|
Close monitoring of company's
operations
|
Take legal action
Sell collateral
|
|
APRIL
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
III
|
E
|
|
Provision
|
50%
|
50% - 75%
|
|
Remedial strategy
|
Close monitoring of company's
operations
|
Take legal action
Sell collateral
|
|
AUGUST
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
III
|
E
|
|
Provision
|
50%
|
100%
|
|
Remedial strategy
|
Close monitoring of company's operations
Proposal of a restructuring plan
|
Take legal action and sell
collateral if company does not agree on the restructuring plan
of 50% down payment
|
FILE N°: 4-001
|
JANUARY
|
|
Financial situation / Overdue period: Facility
overdue for 19 months
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
E
|
|
Provision
|
100%
|
100%
|
|
Remedial strategy
|
Writing off
|
Legal action
Exit the business
|
|
APRIL
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
E
|
|
Provision
|
100%
|
100%
|
|
Remedial strategy
|
N/A
|
Legal action
Exit the business
|
|
AUGUST
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
REMARKS: Account has been written off by
July 31, 2005.
|
JANUARY
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
E
|
|
Provision
|
100%
|
100%
|
|
Remedial strategy
|
Writing off and legal action
|
Take legal action and exit the
business
|
|
APRIL
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
E
|
|
Provision
|
100%
|
100%
|
|
Remedial strategy
|
Writing off and legal action
|
Take legal action and exit the
business
|
|
AUGUST
|
|
Financial situation / Overdue period:
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
|
|
|
Provision
|
|
|
|
Remedial strategy
|
|
|
REMARKS: Account has been written off by
July 31, 2005.
FILE N°: 4-003
|
JANUARY
|
|
Financial situation / Overdue period: Distress /
facility overdue for more than 9 months
after restructuring.
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
E
|
|
Provision
|
100%
|
100%
|
|
Remedial strategy
|
Close monitoring and legal action
|
Legal action
|
|
APRIL
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
E
|
|
Provision
|
100%
|
100%
|
|
Remedial strategy
|
Continue legal action to recover
outstandings
|
Legal action
|
|
AUGUST
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
E
|
|
Provision
|
100%
|
100%
|
|
Remedial strategy
|
Continue legal action to recover
outstandings
|
Legal action
|
|
JANUARY
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
E
|
|
Provision
|
100%
|
100%
|
|
Remedial strategy
|
Legal action for the sale of company's trucks
Application of proceeds to offset the company's indebtness
|
Legal action to obtain the sale of company's assets to liquidate
the debt
|
|
APRIL
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
E
|
|
Provision
|
100%
|
100%
|
|
Remedial strategy
|
After the sale of the 3 trucks, write off the balance
|
Legal action for the sale of
company's assets and exit the business
|
|
AUGUST
|
|
Financial situation / Overdue period:
Distress
|
|
Actual Management
|
Suggested Management
|
|
Classification
|
IV
|
E
|
|
Provision
|
100%
|
100%
|
|
Remedial strategy
|
After the sale of the 3 trucks, court
to attach owner's personal properties
|
Legal action for the sale of
company's assets and exit the business
|
| 
