Banking and Finance
Banking & Finance is the bedrock of any economy and largely consists of banks, domestic and international financial companies, investment companies, insurance companies, real estate firms, consumer finance companies, mortgage lenders, and real estate investment trusts (REITs). The health of the economy depends, in large part, to the strength of its financial sector. The stronger it is, the healthier the economy.
ALO has been at the forefront of facilitating progress in the Banking & Finance sector by providing legal services across the broad spectrum of the Banking & Finance Sector on securitization laws, securities, derivatives, restructuring, asset finance, insurance etc. Our team possess a keen commercial understanding of what our clients seek to achieve, the quality of our documentation and our ability to deliver a high-value service within tight timeframes. We advise all major public and private sector banks, financial institutions, multinationals, domestic banks, multilateral agencies and non-banking financial companies on their domestic and cross-border transactions and provide a focused, pragmatic approach. Clients rely on us for the depth and breadth of our expertise, our intellectual rigour and our proven track record of finding solutions to implement on the transactions we work on significant experience with legislation and regulations in this field including collection, use and disclosure of information in a financial context.
We focus on advising our clients on the provisions within the prevalent legal framework along with the notifications issued by RBI. Our team also advises on the structuring of foreign investments including foreign exchange regulations under FEMA.
ALO advises on the following:
- Project finance
- Leveraged finance
- Distressed debt transactions
- Syndicated lending
- Structured products
- Securitization of assets
- Acquisition finance
- Debentures, guarantees and other forms of securities, etc.
ALO advises and provides assistance in strategizing, drafting, negotiating and finalizing the following documents:
- Legal opinions
- Escrow agreements
- Consortium agreements
- Mortgage agreements
- Pledge, lien and loan agreements
- Credit & security documentation
ALO deals in all matters connected with DRT, DRAT and the Securitization Act including drafting of DRT and DRAT suits, replies, counter-claims, counter-suits, writ petitions, etc.
Cross-border & Domestic Investment
Cross border & domestic investment also plays a major role in the Banking & Finance sector by providing multiple opportunities for the corporates to invest and grow in India and abroad. ALO has a very competent and experienced team of lawyers to handle all legal aspects of inbound and outbound cross border investment occurring in or out of India.
ALO has had over 60 man-years of experience spanning business structuring, documentation, the establishment of Indian companies, the achievement of Indian approvals and executable shareholders documentation and preparation of compliant company organic documentation.
In the context of “partnered” inbound investment, ALO is experienced in structuring and negotiating joint ventures and strategic alliances (both corporate partnership and joint enterprise) for resource and product acquisition, distribution, development, infrastructure, market penetration and risk-sharing purposes; ancillary agreements such as marketing, supply, license and allocation agreements; as well as partner and target due diligence.
ALO team has experience in the establishment of Indian owned overseas companies including the tax-efficient structuring of such investments. We establish investment vehicles in tax-efficient off-shore countries and structure downstream investments thereafter. We also assist in the acquisition of listed overseas entities.