Demo PE Holdco L.L.C.

in progress
CAM-0001/2026 · Private Banking & Wealth Management · Demand Loan USD 100.0 MM · Current stage: 2. CAM Preparation
Export CAM (.docx)Go to current stage
  1. OriginationCompleted
  2. 2PreparationIn progress
  3. BusinessLocked
  4. Credit AdminLocked
  5. RiskLocked
  6. CommitteeLocked
  7. RegulatoryLocked
  8. Docs & CPsLocked
  9. DisbursementLocked
  10. MonitoringLocked

Next action · Stage 2: CAM Preparation

Run AI extraction over the document pack, verify financial spreads and ratios, edit AI-drafted narrative, build the term sheet and propose a risk rating.

Open stage workspace
Owner
Business Unit analyst (Preparer)
Gate to next stage
Draft CAM submitted

Facility request

Facility type
Demand Loan
Amount
USD 100.0 MM · QAR 365,000K
Tenor
15 yrs (6 yr availability)
Pricing
3M SOFR + 2.75%
LTV / coverage
50% / 200%
Approval level
Executive Committee
Total exposure (QAR 000s)
365,000
Limit % of capital base
4.56%
Large exposure / related director
No / No
Purpose

Demand loan facility of up to USD 100 MM to finance investments in global private-equity funds managed by Tier-1 fund managers, part-refinancing investments already made from own funds.

Tracking sheet

Auto-generated from stage transitions — replaces the manual tracking sheet.

UnitNameOut-dateActionComments
Relationship Manager (Business Unit)Person 126 Aug 2026 10:44submit → CAM PreparationApplication pack complete.

Ratios vs thresholds

borrower · Debt service coverage (DSCR) (FY2025)—na
borrower · Interest coverage (EBITDA / interest) (FY2025)—na
borrower · Leverage (total liabilities / tangible net worth) (FY2025)0.34xgood
borrower · Current ratio (FY2025)1.34xacceptable
borrower · Revenue trend (latest year) (FY2025)-4.0%acceptable
borrower · Profitability (net margin) (FY2025)15.1%good
borrower · LTV on pledged securities / fund units (term sheet)50%good
borrower · Security coverage (collateral / exposure) (term sheet)200%good

Red flags (34 open)

Missing: QCB / Credit Bureau reportshigh
No document in category "Bureau reports" has been uploaded.
Missing: KYC & constitutional documentshigh
No document in category "KYC / constitutional" has been uploaded.
Going-concern languagehigh
Management assessed the Company's ability to continue as a going concern and was satisfied that it has the resources to continue in business for the foreseeable future. Management was not aware of any material uncertainties that may cast significant doubt on the Company's ability to continue as a going concern.
Unaudited management accountshigh
The document is a condensed interim financial statement package marked unaudited. No auditor or audit opinion is provided. Consider imposing a condition requiring audited annual financial statements and the auditor's report.
Current-period accounts are unauditedhigh
The 31 March 2025 interim financial statements are explicitly marked unaudited and no auditor or audit opinion is included. Consider imposing an audit condition requiring delivery of audited annual financial statements, and clarify whether interim figures are subject to limited review.
Significant aged trade receivableshigh
Of gross trade receivables of QR 166,470,734, QR 118,951,636 was over 120 days past due. The expected credit loss allowance was QR 75,552,730 for this ageing bucket and QR 75,776,442 in total.
No statutory audit for current-period financialshigh
The 30 June 2025 financial statements are condensed interim statements reviewed by KPMG rather than audited. The review report expressly states that no audit opinion is expressed and that a review provides substantially less assurance than an audit. Credit documentation should consider imposing a condition requiring submission of audited annual financial statements, with timing and auditor requirements specified.
Cash presentation requires attentionlow
Statement of financial position cash and cash equivalents of QAR 65662547 includes QAR 47000000 of short-term deposits with original maturity over 90 days. The cash flow statement presents period-end cash and cash equivalents of QAR 18662547 after excluding those deposits. The figures reconcile when the deposits are excluded; liquidity analysis should distinguish unrestricted cash from longer-maturity deposits.

Documents (4)

Manage
Medicare FS 30.09.2025 English.pdfMgmt accounts · 367.1 KB
Signed Medicare Group FS 31 March 2025 English.pdfMgmt accounts · 321.8 KB
Medicare Group FS 31 Dec 2025_E_signed.pdfAudited FS · 1.3 MB
Medicare Group QPSC_30 June 2025_Final English_signed.pdfMgmt accounts · 1.1 MB

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