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متابعة

Banks create ‘Provisions’ against classified loans. These make Profit lower.To collect the present loans & to disburse further what steps needed ?

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تم إضافة السؤال من قبل Sayed Manjurul Khalil Al Rushdi , Senior Accounts Officer , Standard Homes Limited
تاريخ النشر: 2015/03/02
مستخدم محذوف‎
من قبل مستخدم محذوف‎

For loans in the absence of transparency in lending

Everything is expected

All loans must be placed under surveillance

 

Greetings to you

Sirag Al Basher
من قبل Sirag Al Basher

CAMEL is the prime banking reliance at bankers to have clean and optimized lending books

customer reputability

assets

management

earnings

liquidity

 

Amjad Ali
من قبل Amjad Ali , Regional Manager , NATIONAL BANK OF PAKISTAN

Like other businesses ,banks are also exposed to various risks. Credit risk is the greatest risk in a bank. Bank has to lend and take exposure for survival. However, the aim should be to develop quality assets which can be ensured by following golden rules of lending e.g

 

Character- Lend to person of good credit history

Capital- The borrower should have good amount of equity in business

Collateral- Loan should be well secured

Cash flows- Lending should be based on borrower projected cash flows to ensure repayment

 

these are few rules of lending