Banking And Finance
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Our firm is well versed with banking and financial matters. We are trusted advisors to Banks, NBFCs, Credit Cooperative Societies etc. We are widely recognized in providing advice and solutions to the clients dealing in financial sector regarding complex, strategic and high profile matters in the financial space. We undertake wide range of activities to suite the needs of the enterprise. Customized products and processes are designed conforming the regulatory requirements focused to enhance value to the institution. DSB has many creditable institutions in its client bouquet both domestic and international.
AN OVERVIEW OF OUR ADVISORY SERVICES INCLUDES:
FUND RAISING
- Advise on various modes for raising funds. This would include structuring of various liability products for Banks and NBFCs and strategy for marketing.
- Advise on due diligence of lenders and preparation for Credit Rating by bankers and other lending institutions
- Assisting in Tie up with various lenders
- Documentation and guidance for various instruments to be issued for fundraising.
- FEMA Compliances
REGULATORY COMPLIANCES
- Advising and assisting in various policies and Manuals required by Banks and NBFCs. Including KYC policy, ALCO, Anti Money Laundering (ALM), Operational Manual, Credit Policy, Investment Policy, NPA Policy, Recovery Policy, etc.
- Preparing Fair Practice Code as per business needs
- Implementing various norms of RBI for compliance with operations, management, and financing
- Appearance and compliance of observations in RBI matters
CORPORATE LAW & SECRETARIAL SERVICES
- Drafting of documents for various compliances
- Advising on the preparation of minutes of all Board and General Meetings
- Preparation and e-filing of forms and returns to be filed with ROC
- Approvals from Registrar of Companies in various matters
- Appearance in Scrutiny and inspection Cases
- Drafting and Vetting of various Agreements with Vendors conforming to legal requirements
TAXATION
- Advise on Direct Tax planning
- Indirect tax planning including GST
- Advise on Advance tax & TDS payments
- Advise on filing of Tax return of the Company
- GST advisory and management including advise on filing returns
- Preparation of process flow chart as per Inter Control over Financial Reporting (ICFR) guidelines
CREDIT DEVELOPMENT & REGULATION
- Advise on Product schemes and portfolio customized to the profile of the client
- RBI compliance on processes and documentation
- Documents and agreements to suite the business requirements
- Risk Mitigation in process and portfolio
- Developing the processes of the organization
HUMAN RESOURCE MANAGEMENT
- Implementing Performance appraisal system
- Drafting various HR Policies, Compensation policies, Code of Conduct, Leave policies, etc.
- Advise on KRAs, Organizational Flow Charts, and MIS for effective communication with the Management.
- Drafting of Agreements and Bonds of employees.
OPERATIONAL MANAGEMENT & SCALABILITY
- Advise for Vertical and Horizontal Expansion to create value
- Advising on preparing Targets and road map to achieve the same.
- Advisory on Enhancing the Brand Equity of the company
- Advise on Various sources for cross-selling and increase in non-fund-based income
- Help in tie-ups with various agencies
INFORMATION TECHNOLOGY
- Advise on Technology to be adopted customized to the processes and products of the organization
- Advising on customizing the software to suit the business needs
- Advising on Hardware and other IT-enabled services for better controls and risk mitigation
AUDIT
DSB has a separate dedicated specialised Audit division which carries on Audit of Various NBFCs, Banks and Corporate. The Audit being carried on for our clients includes:
- Internal Audit
- Credit Audit
- B/S Audit
- HR Audit
- IT Audit
- Process Audit
STRUCTURED FINANCING
Structured finance is a series of complex financial instruments that are offered to unique borrowers – usually where growth in a business or cycle is a little more sophisticated. Usually structured finance is necessary when there is one or a number of discretionary transactions, and it is done where alternative lending is used with risk mitigation instruments.
ASSET SECURITIZATION
Securitization is a way of raising funds by selling receivables, which are then turned into asset–backed loan and securities. This method of financing brings various benefits such as diversification of funding sources and improvement of cash flow Asset. Securitization is mainly undertaken by Banks and financial institutions. Of late NBFCs have also undertaken securitization of assets of the corporate. Assets involved in securitization typically include commercial paper, mortgages, car loans, export credits and credit card receivables.
TRADE FINANCE
Trade finance is the financing of domestic and international trade – if a company trades goods, services or commodities and have a trade cycle, this can be financed using a variety of financial institutions to mitigate risk throughout the life cycle of a transactions instruments.
EXTERNAL COMMERCIAL BORROWINGS
ECB includes commercial bank loans, buyers credit, suppliers credit, securitized instruments such as floating rate bonds etc, credit from official export credit agencies and commercial borrowings from international multilateral financial institutions. ECB’s provide opportunity to borrow large volume of funds at low cost for relatively long term.
ACQUISITION AND LEVERAGED FINANCE
We help our clients on a wide variety of acquisition financings of both public and private companies, leveraged buy-outs and buy-ins, recapitalisations and other corporate lending transactions and regularly act for both lenders and borrowers (both corporate sponsor and fund), advisory and investment banks.
STATUS AND SEARCH REPORT
A search report traces the history of a company or the property held by the company – i.e. who is the original owner of the property and how it has mortgaged with various banks over a period of time before reaching the present Bank who has demanded the Search Report. Search report on the history of the corporate and borrowings is sought by the stakeholders to evaluate the track record of the enterprise. This is an important part of a loan process by Banks to the Companies. Search reports is important while getting borrowing from the banks and financial institutions
DILIGENCE REPORT AND CERTIFICATION
DSB provides services with respect to due diligence as per the requriement in respect of Consortium / Multiple banking arrangement made by Scheduled Commercial Banks/Urban Co-opeative Banks