Salam International

1. The request is for a USD 10,000K demand loan, equivalent to QAR 36,500K at the stated parity, with a 25-year tenor and two-year availability period. (Source: application form)
2. The borrower has demonstrated FY2025 revenue growth and positive profitability; however, reported FY2025 DSCR of 0.40x is WEAK and operating cash flow was materially below reported debt service. (Source: application form; Source: SIIL Group FS -EN 30 June 2025.pdf, p.12)
3. The proposed risk is further affected by high leverage, material related-party receivables, existing security over investment properties and contingent obligations. (Source: SIIL FS Q1-2026 English.pdf, p.4; Source: SIIL Console FS 2025_EN_Signed.pdf, p.60; Source: SIIL -HY 2026-English Signed.pdf, pp.16, 23)
4. No bank statements, QCB/Credit Bureau reports or collateral documents have been uploaded. The primary repayment source and any guarantor support also remain unconfirmed. (Source: application form)
5. Any consideration should therefore be subject to satisfactory bureau and conduct checks, confirmation of repayment capacity, enforceable perfection of the pledged collateral, independent valuation, compliance with the stated margin triggers, confirmation of ranking and pari passu position, and receipt of any required QCB approval for FX lending. (Source: application form)

The facility is proposed for the committee’s consideration, subject to satisfactory completion of the above confirmations and conditions precedent; no approval is implied.