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1. Parties: Identification of the lender and borrower with complete legal names and addresses
2. Background: Context of the investment loan, purpose, and brief description of the project or business being funded
3. Definitions and Interpretation: Definitions of key terms used in the agreement and rules of interpretation
4. Loan Amount and Purpose: Specification of the loan amount, currency, and permitted use of funds
5. Disbursement: Terms and conditions for disbursement, including any tranches and conditions precedent
6. Interest: Interest rate, calculation method, payment periods, and default interest provisions
7. Repayment: Repayment schedule, payment methods, and prepayment provisions
8. Security: Details of security/collateral provided for the loan
9. Representations and Warranties: Statements of fact and assurances from the borrower
10. Covenants: Positive and negative obligations of the borrower during the loan term
11. Events of Default: Circumstances constituting default and consequences
12. Remedies: Lender's rights and remedies upon default
13. Governing Law and Jurisdiction: Specification of Pakistani law as governing law and jurisdiction for disputes
14. Notices: Process and addresses for formal communications between parties
15. Miscellaneous: Standard boilerplate provisions including amendments, assignments, and severability
1. Hedging Requirements: Required when the loan involves foreign currency exposure
2. Insurance: Detailed insurance requirements when specific assets serve as security
3. Project Monitoring: For project-specific investment loans requiring oversight of fund utilization
4. Shareholder Undertakings: When personal guarantees or shareholder commitments are required
5. Regulatory Compliance: Special provisions for regulated industries or when specific licenses are required
6. Islamic Finance Provisions: When the loan needs to comply with Islamic banking principles
7. Environmental Compliance: For projects requiring environmental clearances or compliance
8. Step-in Rights: For large project finances where lender may need operational control in default scenarios
1. Schedule 1 - Disbursement Schedule: Detailed breakdown of loan tranches and disbursement conditions
2. Schedule 2 - Repayment Schedule: Detailed amortization schedule with payment dates and amounts
3. Schedule 3 - Security Details: Comprehensive description of all security/collateral assets
4. Schedule 4 - Conditions Precedent: List of all documents and conditions required before disbursement
5. Schedule 5 - Financial Covenants: Specific financial ratios and thresholds to be maintained
6. Schedule 6 - Form of Drawdown Notice: Template for requesting loan disbursements
7. Schedule 7 - Project Details: Detailed description of the investment project or business plan
8. Appendix A - Required Authorizations: List of regulatory approvals and licenses required
9. Appendix B - Security Documents: Forms of security documents, charges, and guarantees
Banking and Financial Services
Infrastructure Development
Manufacturing
Real Estate and Construction
Energy and Power
Telecommunications
Agriculture
Healthcare
Technology
Mining and Natural Resources
Transportation and Logistics
Retail and Consumer Goods
Legal
Finance
Corporate Banking
Risk Management
Compliance
Credit Analysis
Treasury
Corporate Strategy
Investment Banking
Project Finance
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Investment Manager
Credit Risk Manager
Relationship Manager
Compliance Officer
Treasury Manager
Project Finance Manager
Corporate Banking Head
Investment Banking Director
Risk Assessment Officer
Business Development Manager
Company Secretary
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