fund based and non fund based facilities ppt
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fund base and non fund based presentation
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Fund-Based Services


FINANCING OF WORKING CAPITAL:

The working capital of a company is the money available to meet current obligations (those due in less than a year) and to acquire winning assets. China-trust Commercial Bank offers Capital Operations Finance corporations to cover their operating expenses, the purchase of inventories, accounts receivable financing, either through direct financing or through the issuance of letter of credit.

Key Benefits
• Facilities financed, ie, the bank provides financing and assistance to buy the company's assets or to meet commercial expenses.
• Unfinanced facilities, ie the bank can issue letters of credit or can give a guarantee on behalf of the customer to suppliers, government departments for the purchase of goods and services on credit.
• Available in both Indian and foreign currency.

SHORT TERM FUNDING

The bank can structure low-cost credit programs and cash flow financing to meet its specific short-term cash requirements. The loans are structured to improve your profitability by scheduling the repayment to match the cash flow available to pay off the debt.

DISCOUNT OF THE INVOICE

Bill discount is a short-term financing instrument for companies that wish to discount their purchase / sale invoices to obtain funds for the short term and for investors in them. These are customized to suit your requirement for short term financing, from the date of sale to the date of receipt of the payment there on.
We consider two types of accounts facilities viz. Where documents are delivered on payment, ie D / P Bills and where the documents are delivered against acceptance, ie D / A Bills.

 EXPORT CREDIT

We offer short-term working capital financing in both the pre-shipment and post-shipment stages
The pre-shipment financial facility provides liquidity for the procurement of raw materials, processing, packaging, transportation, intended for export.
Post-shipment financing is a line of credit from the date of shipment of the goods to the completion of the export product. The different types of post-shipment advances include:
• Export bills purchased / discounted
• Negotiated export invoices (against letter of credit)
• Advances to invoices sent by collection
• Consignment export advances
Exporters have the option of making use of post-shipment finances in rupees or in foreign currency.

STRUCTURED FINANCING

Structured Finance describes any "non-standard" way to raise money. These bespoke values go beyond "standard" values such as conventional loans, bonds, debt and equity. The reason for structuring more advanced security may be that conventional values may be unattractive, unavailable, or too expensive. These products are structured for long and short tenor with output options at intervals for both parts.

 TERM LOAN

CTCB offers very competitive rates for term financing. We also offer advisory services to companies for syndication of long-term loans to a broad spectrum of financial institutions.
Under Term Finance, Chinatrust Commercial Bank offers the following:
• Fund-based finance for capital expenditures acquisition of fixed assets to start or expand a company to exchange with existing high-cost debt from another banking / financial institution
• Non-cash funding in the form of a Deferred Payment Guarantee for the acquisition of fixed assets to start or expand a commercial or industrial unit.

Non-fund-based credit facilities

Examples 

No funds based credit facilities are given by banks or financial institutions to their customers, under this there is no outflow of funds from the bank and also the customer also does not receive any cash. Below are some examples of non-cash lines of credit -
1. Guarantee - By virtue of this the bank undertakes to discharge any liability to the third party in case of breach by the client for the fulfillment of its obligations. There may be many types of collateral such as performance guarantee, deferred payment guarantee and so on.
2. Letter of credit facility - Under this bank undertakes to pay the seller of the goods on the presentation of documents such as bills of lading, reception of rail, etc ...
3. Co-acceptance of invoices
Apart from above many financial institutions provide many other structured products to cater to the needs of various individuals and business houses.
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