NATIONAL STEEL AND AGRO INDUSTRIES LTD.

Mr. Umesh, the head of Corporate Banking branch of Universal Bank’s (UB) Indore Branch, had received a request from National Steel and Agro Industries Ltd (National Steel), a long-time customer, for renewal of working capital facilities. UB was the leader of a consortium of 11 banks and hence Umesh had to do the credit analysis and assess the company’s credit requirements and share the report with all the consortium members and the head office of the bank for approval.