oussama iqbal
approvedCAM-0003/2026 · Private Banking & Wealth Management · Demand Loan USD 900.0 BN · Current stage: 10. Monitoring & Renewal
Next action · Stage 10: Monitoring & Renewal
NAV / LTV monitoring, covenant and DSRA tracking, quarterly undertakings and annual review.
Owner
RM + Risk + Credit Admin
Gate to next stage
Renewal → new / updated CAM
Facility request
- Facility type
- Demand Loan
- Amount
- USD 900,000.0 MM · QAR 3,285,000,000K
- Tenor
- —
- Pricing
- —
- LTV / coverage
- — / —
- Approval level
- Executive Committee
- Total exposure (QAR 000s)
- 3,285,000,000
- Limit % of capital base
- 41062.50%
- Large exposure / related director
- Yes / No
Purpose
—
Tracking sheet
Auto-generated from stage transitions — replaces the manual tracking sheet.
| Unit | Name | Out-date | Action | Comments |
|---|---|---|---|---|
| Relationship Manager (Business Unit) | Person 1 | 27 Aug 2026 05:55 | submit → CAM Preparation | — |
| Business Unit analyst (Preparer) | Person 1 | 27 Aug 2026 06:08 | submit → Business Sign-off | — |
| BU management (Recommender → Concurrer) | Person 1 | 27 Aug 2026 06:08 | pass → Credit Admin Control | — |
| Corporate Credit Administration | Person 1 | 27 Aug 2026 06:09 | pass → Independent Risk Review | — |
| Risk Management | Person 1 | 27 Aug 2026 06:10 | pass → Committee Approval | — |
| L2 / L1 / Credit Committee / Executive Committee | Person 1 | 27 Aug 2026 06:10 | approve → Committee Approval | — |
| L2 / L1 / Credit Committee / Executive Committee | Person 1 | 27 Aug 2026 06:10 | approve → Regulatory Approvals | — |
| Business Unit / Compliance | Person 1 | 27 Aug 2026 06:11 | pass → Documentation & CPs | — |
| Legal / Credit Administration | Person 1 | 27 Aug 2026 06:11 | pass → Disbursement | — |
| Operations | Person 1 | 27 Aug 2026 06:11 | pass → Monitoring & Renewal | — |
Ratios vs thresholds
No ratios yet — add financial spreads in Stage 2.
Red flags (41 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.
Inflows do not clearly evidence revenuehigh
The statement contains no identifiable salary or employer credits. Significant credits are transfers from xx4229, personal PayID receipts, loans/loan returns, refunds and benefits. Revenue support cannot be established from this statement alone.
Transaction totals inconsistencyhigh
The statement summary reports total debits of 124622.20 and total credits of 124199.68 on page 11, while aggregation of the listed monthly transaction rows does not fully reconcile to those totals. The source transactions and summary should be checked.
Overdrawn balance recordedhigh
The account reached a debit balance of -37.22 on 5 Mar 2025, indicating an overdrawn position during the statement period.
Credits not identifiable as declared revenuehigh
The document contains no declared-revenue figure and no clear salary or business-income stream. Significant credits are transfers from xx4229 CommBank app and personal counterparties, so support for declared revenue cannot be established from this statement alone.
Large unexplained third-party and inter-account flowshigh
The statement includes substantial non-salary-looking credits, including $12,000 described as "Loan return", $5,000 described as "Loan return", $2,704 described as "Tickets", and multiple $5,000 credits marked "CREDIT TO ACCOUNT". There are also large onward transfers of $18,000 and $9,000 to xx8304 and $5,000 to the holder’s NAB reward savings account.
Inflows do not clearly support declared revenuehigh
The statement shows AUD 120515.70 of credits, but the visible credits are predominantly transfers from xx4229 CommBank app and individuals such as OMAIMA BINT E TARIQ, HASSAN KHADIM, MUHAMMAD USMAN AKBAR and RAHEEL AJMAL. No salary, employer or clearly identifiable business-revenue credits are shown, so turnover cannot be treated as verified operating revenue from this document alone.
Documents (6)
Statements20260630.pdfBank statements · 829.6 KB
Statements20250630 (2).pdfBank statements · 2.6 MB
Statements20241230.pdfBank statements · 468.2 KB
Statements20250630.pdfBank statements · 2.6 MB
Statements20251230.pdfBank statements · 417.5 KB
Statements20250630 (1).pdfBank statements · 2.6 MB
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