Classification Of Loan in Banking || Jahangir Alam
Автор: BD Study Academy
Загружено: 2021-08-30
Просмотров: 50287
Summary of Loan Classification and provisioning:
Unclassified:
STD-0: No past due or overdue
STD-1: 01 day to less than 01 Month
STD-2: 01 month to less than 02 month
SMA: 02 months to less than 03 months
Classified:
SS:03 months to less than 06 months
DF:06 months to less
than 12 months
B/L: 12 months and above
Category of Loans & Rate of provision:
STD-0, STD-01, STD-02 & Off balance sheet exposure =1%
SMA =5%
SS =20%
DF. =50%
B/L. =100%
Base for provision:
Total Classified loan outstanding- Amount of interest suspense- Value of eligible Collateral security.
In case of land & buildin mortgaged with bank , Minimum base for provision will be 15%
BRPD Circular No.15 dated
27.11.2024
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