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• Md. Saiful Islam
Banker
saifulbau@gmail.com
Security:
Types, Attributes &
Valuation
Discussion
points
Security & it’s Types
 Attributes of Good
Security
Valuation of Security
14 December 2023 2
14 December 2023 3
• Security as -
– Guarantee of a loan
– Undertaking
– Evidence of Loan.
– Insurance
– coverage the advance
made
• FYMÖnxZv KZ…©K
– cY¨ mvgMÖx
– ¯’vei m¤úwË
– gvwjKvbv `wjj
– Avw_©K m¤úwËi gvwjKvbvi
cÖgvbK
– e¨w³MZ wbðqZv
SECURITY
RvgvbZ
14 December 2023 4
খেলাপী ঋণের বিপরীণে প্রবেরক্ষা
(Defence)
• প্রাথবিক জািানে
• সহায়ক জািানে
• গ্যারাবি
• সাবলবি/সিণ াো
• আদালে
RvgvbZ `yB cÖKvit
cÖv_wgK RvgvbZ (Primary
Security )
mnvqK RvgvbZ ev AwZwi³
RvgvbZ (Collateral Security)
14 December 2023 5
TYPES OF
SECURITIES
Attributes of Good
Securities:
Marketability
Easy ascertainable
of price
Stability of price
Easy storability
Easy supervision
Transferability
Durability
Ascertainment of
the Title
Transferability of
ownership
Free from liability
or validity of title
Productibility or
yield
Honesty and
financial solvency
Margin
14 December 2023 6
Valuation of
Security
Value of security
minus
Margin
= Bank’s loan
14 December 2023 7
Valuation of
Different
Securities
Seasonal product
Manufacturing goods preserved in factory
Commodities preserved to dealer
Commodity under work in process
Commodity’s value determined by Govt.
Share debenture
14 December 2023 8
IMMOVABLE
PROPERTY
Vacant land
Land with building
Machinery on land with building
Metal
Imported commodity
Life insurance policy
14 December 2023 9
14 December 2023 10
Godown Inspection Report
Godown Inspection Report
• Branch Name
• Date of Inspection
• Type of Loans/Advances
• Borrower
• Locality
• Owner
• Present Stock
• Remarks
14 December 2023 11
Godown Inspection Report
 Particulars of Stocks
 Quantity/Amount
 Rate per Unit (BDT)
 Value in Tk.
 Total Value
 Loan Limit
 Expiry Date
 Market Value
 Margin (%)
 Available Loan Limit
 Liability
 Insurance Amount
 Insurance Period
 Authorized Signature
14 December 2023 12
িন্ধকীকৃে স্থাির সম্পবির বিিরে (ফ-৪৪৪)
14 December 2023 13
জািানে সংক্রান্ত েথ্যািলী
 বহসাি
 িাো
 িাবলণকর নাি ও ঠিকানা
 িেতিান খ াগ দেলকারীর
বিিরে
 িাবলকানার উৎস
 েফবসল
 জবির পবরিান
 খ ৌহদ্দী
 অিস্থান
 প্রকৃবে
 বনবিতে সম্পদ
14 December 2023 14
জািানে সংক্রান্ত েথ্যািলী
 সম্ভাব্য ঝুঁবক সমূহ
 জবি/অিকাঠাণিা
 মূল্য বনরুপেকারী কর্ততপক্ষ
 িেতিান িাজার মূল্য
 োৎক্ষবনক বিক্রয় মূল্য
 িন্ধকীর িেতিান অিস্থা
 সম্পবি সম্পণকত ব্যাংণকর আইন উপণদষ্টার
িোিে
 েল্লাবস সনদ, হাল োজনা রবিদ, খপৌরকর
রবিদ ইেযাবদর অিস্থা
 িন্তব্য
 অবফসার/ম্যাণনজার/বপ্রবিপাল অবফস প্রধান
14 December 2023 15
14 December 2023 16
ANY QUESTION?
14 December 2023 17
THANK YOU

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AIBB 202 Lesson 5.1-5.4: Security and its types, attributes of good Security & Valuation

  • 1. • Md. Saiful Islam Banker saifulbau@gmail.com Security: Types, Attributes & Valuation
  • 2. Discussion points Security & it’s Types  Attributes of Good Security Valuation of Security 14 December 2023 2
  • 3. 14 December 2023 3 • Security as - – Guarantee of a loan – Undertaking – Evidence of Loan. – Insurance – coverage the advance made • FYMÖnxZv KZ…©K – cY¨ mvgMÖx – ¯’vei m¤úwË – gvwjKvbv `wjj – Avw_©K m¤úwËi gvwjKvbvi cÖgvbK – e¨w³MZ wbðqZv SECURITY RvgvbZ
  • 4. 14 December 2023 4 খেলাপী ঋণের বিপরীণে প্রবেরক্ষা (Defence) • প্রাথবিক জািানে • সহায়ক জািানে • গ্যারাবি • সাবলবি/সিণ াো • আদালে
  • 5. RvgvbZ `yB cÖKvit cÖv_wgK RvgvbZ (Primary Security ) mnvqK RvgvbZ ev AwZwi³ RvgvbZ (Collateral Security) 14 December 2023 5 TYPES OF SECURITIES
  • 6. Attributes of Good Securities: Marketability Easy ascertainable of price Stability of price Easy storability Easy supervision Transferability Durability Ascertainment of the Title Transferability of ownership Free from liability or validity of title Productibility or yield Honesty and financial solvency Margin 14 December 2023 6
  • 7. Valuation of Security Value of security minus Margin = Bank’s loan 14 December 2023 7
  • 8. Valuation of Different Securities Seasonal product Manufacturing goods preserved in factory Commodities preserved to dealer Commodity under work in process Commodity’s value determined by Govt. Share debenture 14 December 2023 8
  • 9. IMMOVABLE PROPERTY Vacant land Land with building Machinery on land with building Metal Imported commodity Life insurance policy 14 December 2023 9
  • 10. 14 December 2023 10 Godown Inspection Report
  • 11. Godown Inspection Report • Branch Name • Date of Inspection • Type of Loans/Advances • Borrower • Locality • Owner • Present Stock • Remarks 14 December 2023 11
  • 12. Godown Inspection Report  Particulars of Stocks  Quantity/Amount  Rate per Unit (BDT)  Value in Tk.  Total Value  Loan Limit  Expiry Date  Market Value  Margin (%)  Available Loan Limit  Liability  Insurance Amount  Insurance Period  Authorized Signature 14 December 2023 12
  • 13. িন্ধকীকৃে স্থাির সম্পবির বিিরে (ফ-৪৪৪) 14 December 2023 13
  • 14. জািানে সংক্রান্ত েথ্যািলী  বহসাি  িাো  িাবলণকর নাি ও ঠিকানা  িেতিান খ াগ দেলকারীর বিিরে  িাবলকানার উৎস  েফবসল  জবির পবরিান  খ ৌহদ্দী  অিস্থান  প্রকৃবে  বনবিতে সম্পদ 14 December 2023 14
  • 15. জািানে সংক্রান্ত েথ্যািলী  সম্ভাব্য ঝুঁবক সমূহ  জবি/অিকাঠাণিা  মূল্য বনরুপেকারী কর্ততপক্ষ  িেতিান িাজার মূল্য  োৎক্ষবনক বিক্রয় মূল্য  িন্ধকীর িেতিান অিস্থা  সম্পবি সম্পণকত ব্যাংণকর আইন উপণদষ্টার িোিে  েল্লাবস সনদ, হাল োজনা রবিদ, খপৌরকর রবিদ ইেযাবদর অিস্থা  িন্তব্য  অবফসার/ম্যাণনজার/বপ্রবিপাল অবফস প্রধান 14 December 2023 15
  • 16. 14 December 2023 16 ANY QUESTION?
  • 17. 14 December 2023 17 THANK YOU