m~wpcî µwgk bs welq c ôv

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Lambert Peregrine Fitzgerald
5 years ago
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1 jvb wiwfd cwjwm mvbvjx e vsk wjwg UW SONALI BANK LIMITED ww m ^i-2013

2 m~wpcî µwgk bs welq c ôv 01. jvb wiwfd Gi iæz jvb wiwfd cwjwmi D Ïk jvb wiwfd cwjwmi wewfbœ iæz c~y w`k mvwe K jvb cvu dvwji m ú K gzvgz bb-cvidiwgs jvb wpwýzkiy YMZ cwigvck e MZ cwigvck kªyxgvb wby q QK ^ Qv Ljvcx wpwýzkiy FY I RvgvbZ mswkøó `wjjvw` m úv`b g `/Kz gv b kªyxweb vm iv ai Dcvq FY mswkøó wewa weav bi e Z q wpwýzkiy we` gvb I cöpwjz FY I AwMÖg bxwzgvjv cwicvjb jvb wiwfd Kg KZ v `i K wpwýzkiy FY gv bi K `ªxf~ZKiY cöeyzv eøk/cybtzdmxj/cybtweb vmk Z FY e e vcbv kvlvi jvb wiwfd Awdmv ii KiYxq jvb wiwfd cwjwmi ev Íevqb/cwicvjb jvb wiwfd cwjwm ch v jvpbv...12 Loan Rivew Index..doc # 1

3 f~wgkv t mvbvjx e vsk wjwg UW ` ki me e nr evwywr K e vsk 1972 mv j cöwzôvjmœ _ KB G e vsk eûgylx e vswks Kg KvÛ cwipvjbv K i Avm Q Zb a AvgvbZ msmön I FY cö`vb Ab Zg iæz c~y KvR AvgvbZKvixMY hgb e vs Ki Dci Av v i L Zv `i mwâz A_ e vs K Rgv iv Lb Zgwb e vski FYMÖwnZvi Dci Abyiƒc Av v i L FY cö`vb K i _v K FY Kvh µg _ KB e vs Ki Av qi wmsn fvm AwR Z n q _v K h Kvi Y h_vh_ mzk Zvi mv _ FY cö`vb Kiv bv n j e vsk KvswLZ Avq AR b _ K ewâz n Z cv i djköæwz Z e vs Ki Avw_ K wfwë `ye j n q mvgwmökfv e RvZxq A_ bxwz KI wech Í Ki Z cv i G Rb e vswks e emv q FY Kvh µg K AZ wak iæz cö`vb Kiv n q _v K ïay FY cö`vb Ki jb Zv _ K wbqwgzfv e Avq/gybvdv AwR Z n e GgbwU bq e vs Ki mkj FY h_vmg q gybvdvmn diz Av m bv bvbv Kvi Y cö`ë FY h_vmg q Av`vq/mgš^q bv niqvq e vs Ki gybvdv AR b I cyba_ vqb Kvh µg SzuwKi g a c o ZvB wewb qvmk Z A_ gybvdvmn diz Avmvi gva g cybt A_ vq bi welqwu wbwðz niqv Avek K G Rb e vs Ki mgm vhy³ FY wpwýz I K vuvmivbr Kivi j e vs K GKwU c~y vsm I cö qvm hvm jvb wiwfd cwjwm (Loan Reiview Policy) _vkv Avek K ZvQvov jvb wiwfd cwjwm cöyq bi e vcv i evsjv `k e vs Ki mv _ me kl ^v wiz mg SvZv vi KI mywbw` ó kz i q Q cöwzwu F Yi mv _ SzuwK IZ cövzfv e RwoZ ZvB GKwU c~y vsm I Kvh Ki cwjwm I Kg c wz Abymi Yi gva g FY SzuwK e e vcbvi j e vsk myôz jvb cvu dvwji e e vcbv (Loan Portfolio Management) c wz Aej ^b K i _v K G Î ` jvb cvu dvwji g v br g Ui GKwU iæz c~y nvwzqvi (Tools) n jv jvb wiwfd FY wezi Yi ci _ K cwikwíz Dcv q cöwzwu FY wnmv ei Z`viwK, h_vh_ gwbuwis, we` gvb I m ve mgm v wpwýzkiy Ges D yz mgm vi mgvav b cö qvrbxq civgk cö`v bi Rb e vs K mywbw` ó I GKxf~Z bxwzgvjv cöyqb cö qvrb Kvb FY wnmv e mgm v m wó niqvi c~ e B e vs Ki c _ K Zv wpwýz Kiv wksev Zvr wykfv e Zvi cöwzkvi Kiv ev m j civgk `qv bv M j Zv µgvš^ q RwUj _ K RwUjZi AvKvi aviy Ki e Ggb cwiw wz Z FY wnmve K Pvjy ivlv wksev cybiæ¾xwez Kiv `~iƒû n q covi AvksKv `Lv w` e mgm vi mgvavb Kiv bv M j µgvš^ q e vs Ki mvwe K jvb cvu dvwji Abo Ae vi w` K avwez n e Ges e vs Ki Avw_ K wfwë `~e j n q co e h mkj FY gv bi w`k _ K Aebg bi m vebv AZ vmbœ m F Yi Î kvlv K AZ ší hzœ I iæz mnkv i Z`viwK, wbweo gwbuwis I d jvavc Ki Z n e G Rb wbqš YKvix Kvh vjq _ K cö`ë civgk /wb ` kbv h_vh_fv e AbymiY Ki Z n e G cö vc U e vs Ki we` gvb Rbej, mvsmvwbk KvVv gv, µwwu cwjwm, µwwu wi g v br g U cwjwm Ges evsjv `k e vs Ki mv _ m úvw`z mg SvZv vik (MOU) Gi Av jv K e vs Ki Rb GKwU jvb wiwfd cwjwm cöyqb Kiv nj 1

4 1.00 t jvb wiwfd Gi iæz (Importance of Loan Review) t e vs Ki Av qi wmsn fvmb AwR Z nq FY I AwMÖg _ K wkš cöwzwu F Yi mv _B SzuwK RwoZ _v K e vsk G SzuwK MÖn Yi gva gb e vswks Kg KvÛ cwipvjbv K i _v K G SzuwK wbqš Y/wbimb/Gov bvi Rb Kvh Kix jvb cvu dvwji g v br g U Gi Kvb wekí bb ZvB FY SzuwK wbqš Yi Rb e vs Ki FY mswkøó mkj K F Yi mv _ RwoZ SzuwKi cök wz I Íi (Level) m ú K Rvbv cö qvrb G SzuwK wpwýz Kivi Î jvb wiwfd GKwU iæz c~y I Kvh Ki nvwzqvi jvb wiwfd e vs Ki mvgwmök jvb cvu dvwjii YMZ gvb wba vi Y mnvqk jvb wiwfd Kv j wb gœv³ welq jvi cöwz Av jvkcvz Kiv evãbxq t FY cwi kv ai SzuwKmn cöwzwu F Yi g~j vqb; we` gvb FY bxwzgvjv I wbqgvpvi Gi h_vh_ cwicvjb n Q wkbv Zv hvpvb; FY `wjjvw` m úv` b ÎÆwU-weP~ wz wbiƒcb I Zv ms kvabc~e K msi Y wbwðz Kiv; FY SzuwK e e vcbvq AMÖvwaKvi wfwëk Îmg~n wpwýzkiy I Z`byhvqx cö qvrbxq e e v MÖn Yi mywbw` ó civgk cö`vb; FY mswkøó SzuwKi MÖW I Zvi mwvkzv g~j vqb; GKwU we ÍvwiZ I wbf yj jvb wiwfd cwjwm I Zvi mwvk ev Íevqb e e vcbv KZ c I cwipvjbv cl ` K e vs Ki mvwe K jvb cvu dvwji m ú K wek` I nvjbvmv` Ae v AewnZ Ki e hvi wfwë Z cl ` jvb cvu dvwji Gi mgm vmg~n wbim b cö qvrbxq mycvwik/w`k-wb ` kbv cö`vb Ki Z cv i 2.00 t jvb wiwfd cwjwmi D Ïk (Objectives of Loan Review Policy) t jvb wiwfd cwjwmi h_vh_ ev Íevq bi gva g e vs Ki FY gvb mgybœz ivlv m e n e FY I AwMÖ gi gvb Dbœqb I mgybœz ivlvi cvkvcvwk F Yi mv _ mswkøó SuywK cwinvi ev SuywKi gvîv me wbgœ ch v q mxwgz ivlvi gva g e vs Ki KvswLZ Avq AR b wbwðz Kiv m e G cö vc U wb gœv³ D Ïk mg~n AR bi j Av jvp jvb wiwfd cwjwm cöyqb Kiv nj t (K) kvlvi A kªyxk Z I kªyxk Z mkj FY wiwfd Kiv; (L) kªyxk Z FY wpwýz Kiv Zv `i wewfbœ K vuvmwi Z fvm Kiv; (M) A kªyxk Z F Yi g a h mkj FY mnmvb mgm vhy³ I bb-cvidiwgs F Y iƒcvšíi niqvi m vebv m wó n Z cv i m me FY h_vkxnö wpwýz I Avjv`v Kiv Ges mgm v _ K D Ëvi Yi Rb h_vh_ c` c MÖnY; (N) h mkj F Y B Zvg a mgm v m wó n q Q m mkj FY cöavb Kvh vjq I evsjv `k e vs Ki bxwzgvjvi Av jv K cvidiwgs jv b iƒcvšíi Kivi j e e v MÖnY; 2

5 (O) e vs Ki Kg KZ v/kg Pvix `i g a F Yi h_vh_ Z`viwK, wbqwgz gwbuwis I d jvav ci mvwe K KvjPvi m wói gva g Zv `i Mind set cwiez b; (P) weziyk Z F Yi A_ wbivc ` I wbwe Nœ e vs K diz Avbv, FY wz (Loan Loss) n«vm/gov bv Ges m ú `i YMZ gvb Dbœq bi gva g e vs Ki Avw_ K wfwë kw³kvjx Kiv; (Q) e vs Ki jvb cvu dvwjii g a mgm vhy³ I bb-cvidiwgs jv bi cwigvy µgvš^ q Kwg q Avbv Ges G msµvší Z_ e vsk e e vcbv I cl ` K AewnZ Kiv; (R) mgm vhy³ e n`vsk F Yi Î e vs Ki e e vcbv KZ c Z_v cl `i MvPixf~Z K i mgm v mgvav b Kvh Kix e e v MÖn Yi wb ` kbv/civgk MÖnY (S) m ev cwi e vs Ki FY Kvh µ gi mv _ mswkøó mkj Í ii Kg KZ v K jvb wiwfd Gi cö qvrbxqzv Abyaveb, mgm vhy³ I fwel Z mgm vhy³ n q co Z cv i Ggb FY mn R wpwýzkiy Ges myôz FY e e vcbvq mkj K DØz KiY; Z e KejgvÎ jvb wiwfd K i FY _ K Avq AR b mywbwðz Ki jb Pj e bv GRb me v MÖ Aek B fvj I YMZ gvbm úbœ FY I AwMÖg cö`v bi Rb mkj K mzk _vk Z n e Z eb jvb wiwfd Gi gva g FY gv bi Dbœqb m eci n e 3.00t jvb wiwfd cwjwmi wewfbœ iæz c~y w`k (Key Aspects of Loan Review Policy) t 3.01 t jvb wiwfd Gi AvIZv I e vwß t FY msµvší hvezxq Kg Kv Ûi g~j K `ªwe `y nj kvlv kvlv _ K me cö_g FYMÖwnZv wbe vpb, Av e`b MÖnY, FY cö Íve cöwµqvkiy, Awc Z gzv Abyhvqx gäyix/aby gv`b Kiv nq Avevi kvlvi gzv ewnf ~Z FY cö Íve mycvwikmn Da Zb KZ c i wbku cöiy Kiv nq AZtci gäyix DËi WKz g Ukb Ges Zv msi Y, FY weziy, Z`viwK, gwbuwis I Av`vq, BZ vw` hvezxq Kvh µg kvlv KZ K m úv`b Kiv n q _v K FY wnmve wfwëk hvezxq Z_ I kvlvq msi Y Kiv nq ZvB jvb wiwfd Kvh µg c~y vsmiƒ c ev Íevq bi `vwqz m ú~y iƒ c kvlvi DciB ez vq G Rb kvlvi A kªyxk Z I kªyxk Z mkj FY gvwmk wfwë Z wiwfd Ki Z n e jvb wiwfd Gi c vivwguvi wb gœ D jøl Kiv nj t K) MYcÖRvZš x evsjv `k mikvi Gi GmAviI; L) evsjv `k e vs Ki wewa-weavb; M) e vsk eyk Ae Bb ªvKkbm (weweavb) N) e vs Ki we` gvb µwwu cwjwm; O) µwwu wi g v br g U cwjwm; P) Wwj Mkb Ae wer bm wwmwµkbvix cviqvi; Q) wmaviwr MvBWjvBÝ; 3

6 R) cö hvr Î µwwu iwus; S) wmavbwe wi cvu ; T) `vq- `bv m úwk Z NvlYvcÎ I Mvcbxq gzvgz; U) FY I g M R msµvší `wjjvw` m úv`b m úwk Z wewa-weavb V) mnvqk Rvgvb Zi gvwjkvbv hvpvb msµvší wb ` kbv; W) AvšÍR vwzk evwy R i Î BDwmwc I Ab vb wewa-weavb; X) wewfbœ F Yi Î cö hvr we` gvb FY wbqgvpvi I bxwzgvjv; Y) cö qvrbxq FY `wjjvw` h_vh_fv e cöyqb I msi Y; Z) MÖxb e vswks cwjwm; * Z e ku Uvg K wl I gvb µv µwwu jvb wiwfd Gi AvIZv ewnf ~Z _vk e 3.02 t kvlvi mvwe K jvb cvu dvwji m ú K gzvgz t G ch v q kvlvi mkj FY K YMZ gv bi wfwë Z K vuvmivbr K i cwigvy wba viy Ki Z n e hgb t vûvw, GmGgG, GmGm, wwgd I wegj Gi cwigvy KZ Zv wbiƒcb Ki Z n e Z` cöw Z kvlvi mvwe K jvb cvu dvwjii YMZ gvb I cwigvy m ú K gzvgz cö`vb K i D Zb KZ c i wbku gvwmk wfwë Z wi cvu Ki Z n e ciezx Z c~ e cöyxz wi cv U cö`wk Z Z _ Kvb cwiez b A_ vr FY gv bi b MwUf wkdwus n q _vk j ZvI wi cv U D jøl Ki Z n e kvlv cöavb KZ K g bvbxz GKRb Kg KZ v jvb wiwfd Gi `vwqz cvjb Ki eb 3.03 t bb-cvidiwgs FY wnmve wpwýzkiy t jvb wiwfd Gi G ch v q kvlvi mkj bb-cvidiwgs FY wnmve gvwmk wfwë Z wpwýz Ki Z n e AZtci FY gvb Abyhvqx (GmGgG, GmGm, wwgd, wegj) FYMÖwnZv wfwëk ZvwjKv cöyqb Ki Z n e F Yi LvZ, kªyx gvb, cwigvy I cwigv Y n«vm/e w wbiƒcb Ki Z n e G Î Km Uz Km wfwë Z F Yi `~e jzv wpwýz Ki Z n e G Î FY kªyxweb vm I cöwfkwbs msµvší evsjv `k e vs Ki bxwzgvjv AbymiY Ki Z n e G QvovI wb gœv³ Kg c wz AbymiYxq n e t * FY wnmve/ jb `b cy Lvbycy L ch v jvpbv Ki Z n e * Uvg jvb Gi Î IfviwWD wkw Í wbqwgz wkbv Zv LwZ q `L Z n e t G Qvov, weaviwcww mvkz jvi bs-14 ZvwiL- m Þ ^i 23, 2012 Abyhvqx Qualitative Judgment I Objective Criteria wfwë Z wb gœv³fv e FY gvb wba viy Ki Z n e t 4

7 (K) YMZ cwigvck t YMZ cwigvc Ki wfwë Z FY kªyxweb v mi Î wb gœv³ c wz AbymiY Ki Z n e t 1) Special Mention Account (SMA) : wb Pi Kvb GKUv `ye jzv (cö hvr Î e vsk e e vcbv I FYMÖwnZv Df qi w`k _ K) _vk j m FY wnmvemg~n K Special Mention Account Gi DbœZ gv b kªyxweb vwmz Kiv hv e bv hgb t e vs Ki Af šíixy FY bxwzgvjv/wbqgvpvi AbymiYc~e K FY cö`vb bv Kiv; ch vß Ges ejer hvm `wjjvw` m úv`b I msi Y e _ Zv wksev mnvqk Rvgvb Zi Dci `ye j wbqš Y; FY wnmv e MZ eqi gv S g a mxgvwzwi³ D Ëvjb MÖnY Kiv; Mo cozvi bx P (Below Average) ev µgn«vmgvb (Declining) gybvdv hvm Zv; Ach vß MÖnY hvm Zvij ; K kjmz cwikíbvq ÎÆwU/mgm v; 2) Sub-Standard (SS) : wb Pi Kvb GKUv `ye jzv (FYMÖwnZvi w`k _ K) _vk j m FY wnmvemg~n K Sub- Standard Gi DbœZ gv b kªyxweb vwmz Kiv hv e bv hgb t cybt cybt mxgvwzwi³ D Ëvjb; Kg/wbgœ GKvD U UvY Ifvi; cöwz hvwmzvg~jk RwUjZv; úk KvZi wk íi AšÍfy ³ niqvq c Y i Pvwn`v n«vm cviqv; AZ ší Kg gybvdv hvm Zv, hv µgn«vmgvb; Ach vß Zvij ; cwi kvwaz Avmj I my `i Zzjbvq Kg K vk d v; `ye j e e vcbv Ges e e vcbvi mzzvi (Integrity) wel q m `n; K c v iu Mf b Ý gzv bk ; ewnt wbix vi AMÖnY hvm ÎÆwU; FY/wKw Í cwi kv ai Rb Ach vß cöv_wgk Drm; FYMÖwnZvi bu Iqv_, gybvdv hvm Zv, Zvij I K vk d v BZ vw` (hv e vs Ki FY bxwzgvjv Abyhvqx cö qvrbxq) h_vh_ WKz g U Qvov AR b Kiv wksev cövß `wjjvw`i h_v_ Zv m ú K Kvb m `n _vkv; 3) Doubtful (DF) : wb Pi Kvb GKUv `ye jzv (FYMÖwnZvi w`k _ K) we` gvb _vk j m FY wnmve K Doubtful Gi DbœZ gv b kªyxweb vwmz Kiv hv e bv hgb t 5

8 vqx mxgvwzwi³ D Ëvjb; mswkøó wk í Kg Mo Avq wb q Ae vb ev we` gvb gv K U nviv bv; RwUj cöwz hvwmzvg~jk mgm v; cöavb c Y i evrvi nviv bv; Zvij nxbzv I cwipvjbmz wzi m ylxb niqv; cö qvrbxq mỳ e qi P q Kg K vk d v; AZ ší `ye j e e vcbv; Amn hvwmzvg~jk I e e vcbv KZ c i gzv bk Ges e e vcbvi mzzv I ^ QZvi wel q m `n _vkv; gvwjkvbvi h_v_ Zvi wel q m `n; cöyxz Avw_ K weeiyxi Dci cöku Av vnxbzv; 4) Bad/Loss (BL): wb Pi Kvb GKUv `ye jzv (FYMÖwnZvi w`k _ K) _vk j m FY wnmve K Bad/Loss Gi DbœZ gv b kªyxweb vwmz Kiv hv e bv hgb t cwipvjbmz wz cywl q bqvi Rb FYMÖwnZv KZ K bzzb F Yi A e`b Kiv; mswkøó wk í FYMÖwnZv K Ly R bv cviqv; gybvdv AR bi w`k _ K wk í me wbgœ Ae v b _vkv; AcÖPwjZ cöhyw³i e envi I Lye ekx wzi m ylxb niqv; Drcv`b e qi P q Kg K vk d v; Aemvqb (Liquidation) e wzz FY cwi kv a Ab Kvb Dcvq bv _vkv; gvwb jûvwis, Rvj-RvwjqvwZ, A_ AvZ mvr I Ab vb Acivag~jK Kvh µg we` gvb _vkv; (L) e MZ cwigvck t e MZ cwigvc Ki wfwë Z FY kªyxweb v mi Î wb gœv³ c wz AbymiY Ki Z n e t KLb FY wnmve IfviwWD (Overdue) wn m e MY n e t * Kvb Pjgvb FY (Continuous Loan) wba vwiz mg qi g a ev e vsk KZ K `vex Kivi ci cwi kvwaz/bevwqz bv n j gqv` DËx Y i Zvwi Li c ii w`b n Z IfviwWD wn m e MY n e * Kvb Zjex FY (Demand Loan) wba vwiz mg qi g a ev e vsk KZ K `vex Kivi ci cwi kvwaz bv n j gqv` DËx Y i Zvwi Li c ii w`b n Z IfviwWD wn m e MY n e 6

9 * wbw` ó gqv`x F Yi (Fixed Term Loan) Kvb wkw Í ev wkw Íi Ask we kl wba vwiz gqv `i g a cwi kvwaz bv n j Acwi kvwaz wkw Í gqv` DËx Y i Zvwi Li c ii w`b n Z IfviwWD wn m e MY n e * ^í gqv`x K wl I gvb µv µwwu (Short Term Agricultural and Micro Credit) wba vwiz gqv `i g a cwi kvwaz bv n j gqv`cywz i Zvwi Li 06 (Qq) gvm ci n Z IfviwWD wn m e MY n e * GmGgG e wzz mkj A kªyxk Z FY vûvw wn m e MY n e * ^í gqv`x K wl I gvb µv µwwu e wzz Ab vb GmGgG I wbgœgvb FY Ljvcx wn m e MY n e wkš j UvKv ch ší wbgœgvb K vuvmwii gqv`x FY Ljvcx wn m e MY n e bv (M) F Yi kªyxgvy wby q wb gœv³ QK AbymiY Ki Z n e t F Yi aiy A kªyxk Z wbgœgvb m `nrbk g `/Kz vûvw GmGgG Pjgvb FY Aby (`yb) gvm 03 (wzb) gvm 06 (Qq) gvm I 09 (bq) gvm I (`yb) gvm I Z`y wkš I Z`y wkš Z`y wkš 09 Z`y ch ší 03 (wzb) 06 (Qq) gv mi (bq) gv mi Kg Zjex FY Aby 02 (`yb) gvm ch ší gqv`x FY (10.00 j UvKv ch ší) gqv`x FY (10.00 j UvKvi AwaK) ^í gqv`x K wl I gvb µv µwwu Aby 02 (`yb) gvm ch ší Aby 02 (`yb) gvm ch ší gv mi Kg 02 (`yb) gvm I Z`y wkš 03 (wzb) gv mi Kg 02 (`yb) gvm I Z`y wkš 06 (Qq) gv mi Kg 02 (`yb) gvm I Z`y wkš 03 (wzb) gv mi Kg Aby 12 (evi) gvm Kg 03 (wzb) gvm I Z`y wkš 06 (Qq) gv mi Kg IfviwWD wkw Íi cwigvy 06 (Qq) gv mi Av`vq hvm wkw Íi mgvb ev AwaK n j m ú~y FY IfviwWD wkw Íi cwigvy 03 (wzb) gv mi Av`vq hvm wkw Íi mgvb ev AwaK n j m ú~y FY 12 (evi) gvm I Z`y wkš 36 (QwÎk) gv mi Kg 3.04 t ^ Qv Ljvcx (Delinquent) FYMÖwnZv wpwýzkiy t 06 (Qq) gvm I Z`y wkš 09 (bq) gv mi Kg IfviwWD wkw Íi cwigvy 09 (bq) gv mi Av`vq hvm wkw Íi mgvb ev AwaK n j m ú~y FY IfviwWD wkw Íi cwigvy 06 (Qq) gv mi Av`vq hvm wkw Íi mgvb ev AwaK n j m ú~y FY 36 (QwÎk) gvm I Z`y wkš 60 (lvu) gv mi Kg 09 (bq) gvm I Z`y IfviwWD wkw Íi cwigvy 12 (evi) gv mi Av`vq hvm wkw Íi mgvb ev AwaK n j m ú~y FY IfviwWD wkw Íi cwigvy 09 (bq) gv mi Av`vq hvm wkw Íi mgvb ev AwaK n j m ú~y FY 60 (lvu) gvm I Z`y e vs Ki jvb cvu dwji Z Ggb Kvb FYMÖwnZv _vk Z cv i hv `i e emv/cök íi Drcv`b Pvjy _vkv m Z I h_vmg q FY/F Yi wkw Í cwi kv a GwM q Avm Q bv A_ev Awbnv i q Q Zv `i K wpwýz Ki Z n e G Î wb gœv³ K kj Aej ^b Ki Z n e t K) FYMÖwnZvi e emv Pvjy Av Q wkbv Zv m irwg b cwi`k b Kiv; 7

10 L) FYMÖwnZvi ikw cî gvzv ek Zvi e emvi K vk d v, mjm iwfwbd I gybvdv Kgb Zv hvpvbkiy; M) F Yi UvKv h_vh_ Lv Z wewb qvm n q Q wkbv Ges wewb qvmk Z A_ wimvbwk s wfwë Z cybivq wewb qvm n Q wkbv Zv hvpvb; N) e emv j/ `v gi msiw Z grỳ gvjvgvj (wk íi Î KuvPvgvj) ch vß wkbv Zv gvwmk wfwë Z m irwg b cwi`k bc~e K hvpvb; O) FYMÖwnZvi mkj e emvwqk jb `b mswkøó kvlvi mv _ cwipvwjz n Q wkbv Zv hvpvb K i wbwðz niqv; P) G fv e ^PQv Ljvcx FYMÖwnZv `i wpwýz K i Zv `i mv _ wbweo hvmv hvm i v Kivi cö qvrbxq civgk cö`vb K i FY wbqwgz ivl Z DØy Ki Z n e cö qvr b e vs Ki we` gvb bxwzgvjvi AvIZvq e e v wb Z n e 3.05 t FY I RvgvbZ mswkøó `wjjvw` m úv`b t gäyixk Z FY wezi Yi c~ e cöwzwu F Yi Î e vs Ki we` gvb I cöpwjz bxwzgvjv Ges gäyix c Î ewy Z `wjjvw` m úv`b e wz i K Kvb FY weziy Kiv hv e bv ^vfvwek cš vq FY Av`vq m e bv n j AvBbMZt e e v MÖn Yi Î h_vh_fv e m úvw`z `wjjvw` e vs Ki wbku AZxe iæz c~y wfwë FY I RvgvbZ mswkøó `wjjvw`i h_v_ Zv hvpvbkiy, ÎÆwUwePz wz wpwýzkiy Ges ÎÆwUwePz wz _vk j Zv ms kvab Ki Z n e G mkj `wjj h_vh_fv e kvlvq msi Y wbwðz Ki Z n e G Î wb gœv³ c` c MÖnY Ki Z n e t K) FY `wjjvw` m úv`b I msi Yi hvezxq `vwqz _vk e kvlvi Dci e vsk wewa/gäyixc Îi kz gvzv ek cöwzwu F Yi FY `wjjvw` Z Kvb ÎÆwU/NvUwZ Av Q wkbv Zv wbqš YKvix Kvh vj qi wiwfd KwgwU KZ K FY wezi Yi ciez x 15 w` bi g a hvpvb m úbœ K i Zv Z Kvb ÎÆwU-wePz wz/nvuwz cwijw Z n j Zv ms kva bi Rb kvlv K Zvr wykfv e civgk w` Z n e Ges ms kvab wbwðz Ki Z n e L) F Yi wecix Z M nxz mnvqk Rvgvb Zi g~j vqb (Zvr wyk g~j we epbvq i L) mwvkfv e Kiv n q Q wkbv Zv jvb wiwfd Kg KZ v hvpvb Ki e M) M nxz mnvqk Rvgvb Zi g~j n«vm RwbZ SzuwK gvkv ejvq FYMÖnxZv/ Rvwgb`vZvi wbku _ K n«vmk Z g~j Kfvi K i AwZwi³ mnvqk RvgvbZ bqvi civgk w` e N) kvlvi Credit Administration Officer mkj F Yi hvezxq `wjj c Îi Custodial Duty h_vh_fv e cvjb Ki Q wkbv Zv jvb wiwfd Kg KZ v KZ K hvpvb K i wbwðz n Z n e O) e vsk wewa gvzv ek F Yi wecix Z RvgvbZe m úv `i exgv Kiv n q Q wkbv Ges gqv `vëxy cwjwmi bevqb Kiv n q Q wkbv Zv wbwðz niqv 8

11 P) cöavb Kvh vj qi c~e vbygwz e wzz g~j `wj ji cwie Z mvwu dvbw Kwc wb q FY `qv n q Q wkbv Zv wbwðz niqv Q) PvR `wjjvw` Zvgvw` niqvi m vebv m ó n q Q wkbv Zv wbwðz niqv R) mswkøó iwrwóª Awdm _ K g~j `wjj h_vmg q D Ëvjb Kiv n q Q wkbv S) exgvi Kfvi bvu bqv n q Q wkbv Ges Zv FY b_x Z msiw Z Av Q wkbv T) wpwýz bb-cvidwg s jvb Gi Î e vs Ki we` gvb µwwu cwjwm Gi Kvb e Z q NUv bv n q Q wkbv; 3.06 t g `/Kz gv b kªyxweb vm iv ai Dcvq t Loan Review Kv j kªyxk Z F Yi mỳ v iv ci Î evsjv `k e vs Ki we` gvb bxwzgvjv AbymiY Kiv n q Q wkbv Zv n e hvpvb Ki Z n e GmGm I wwgd gv b kªyxk Z F Yi mỳ Av ivc K i kvlvi mỳ wirvf wnmv e vbvšíi Ges wegj gv b kªyxk Z FY wnmv e mỳ Av ivc wmz Kiv n q Q wkbv Zv hvpvb K i `L Z n e 3.07 t FY mswkøó wewa-weav bi e Z q wpwýzkiy t evsjv `k e vsk KZ K cö`ë MvBWjvBbm/ imy jkbm I e vs Ki µwwu cwjwm Ges F Yi cök wz Abyhvqx FY wbqgvpvi/bxwzgvjv Gi Kvb e Z q NwU q FY gäyix I weziy Kiv n q Q wkbv Zv hvpvb Ki Z n e Ges Kvb& F Yi Î wk e Z q N U Q Zv wpwýz Ki Z n e G wel q gvwmk wfwë Z Report cöyqb Ki Z n e Ges cöyxz wi cvu D Zb Kvh vj q (AviI/wcI/wRGgI/cÖavb Kvh vj qi GgAvBGm GÛ vwumwukm& wwwfkb-g cöiy Ki Z n e GgAvBGm GÛ vwumwukm& wwwfkb G wi cvu m ú K h_vkxnö e e vcbv KZ c /cl ` K g~j vqb I ciez x wb ` kbvi Rb ck Ki e G Î we ep welqmg~n wbgœiƒc t K) FY gäyix/ewa ZKi Yi Î cö ÍvweZ mnvqk Rvgvb Zi g~j vqb e vs Ki bxwzgvjvi Av jv K h_vh_fv e I ev Íe wfwëk Kiv n q Q wkbv L) FY gäyix/bevqb/ewa ZKi Yi c~ e FYMÖnxZv I Rvwgb`vZvi FY MÖn Yi hvm Zv hvpvbk í Df qi nvjbvmv` wk b wmavbwe wi cvu msmön I FY cö Ív ei mv _ `vwlj Kiv n q Q wkbv M) FYMÖnxZvi Av e`bcî Ges gäyix c Î F Yi D Ïk Ges FY cö Ív e FYMÖwnZvi RvZxq cwipqcî, vqx, ez gvb I e emvwqk wvkvbv, Uwj dvb/ gvevbj bs, B- gbj G vw Wªm my úófv e D jøl i q Q wkbv N) wewa m Zfv e mnvqk Rvgvb Zi Dci PvR m wó Kiv Av Q wkbv O) FY cö`vb Kv j mnvqk Rvgvb Zi wbiƒwcz g~j Kvb Kvi Y n«vm c q Q wkbv Zv mg q mg q m irwgb cwi`k b K i wbwðz Kiv n q Q wkbv G iƒc Î cö qvr b NvUwZ As Ki AwZwi³ RvgvbZ bqv n q Q wkbv 9

12 P) Awc Z FY gäyix gzv Abyhvqx FY gäyix `qv n q Q wkbv Q) mnvqk Rvgvb Zi gvwjkvbv, Ae vb, weµq hvm Zv, nvjbvmv` g~j, `Lj BZ vw` m irwg b cwi`k b K i wi cvu `qv n q Q wkbv R) h_vh_fv e F Yi wmaviwr Kiv n q Q wkbv Ges wmaviwr vi MÖnY hvm wksev Z`ya ch v q _vkv mv c FY gäyix `qv n q Q wkbv S) µwwu iwus Gi Î BBB Gi bx P iwusk Z ev Unrated Kvb cöwzôv bi AbyK~ j e vsk 1.00 (GK) KvwU UvKv I Z`ya As Ki FY gäyix/weziy Kiv n q Q wkbv T) cö hvr Î GcÖvBRvjmn Avw_ K we køly Kiv n q Q wkbv U) Single Borrower G cvrvi Gi Î evsjv `k e vs Ki wewa weavb cwicvwjz n q Q wkbv 3.08 t we` gvb I cöpwjz FY I AwMÖg Ges jxr bxwzgvjv/mvbwjvbbm/cwicvjb wbwðzkiy t evsjv `k e vs Ki MvBWjvBbm I wewa-weavb, e vs Ki weweavb, we` gvb µwwu cwjwm I µwwu wi g v br g U cwjwm, we` gvb Awc Z FY gäyix gzv I Ab vb B Ínvi/ B Ínvi cî/cwic Îi wb ` kbv Ges we` gvb wjwrs cwjwm AbymiY/cwicvjb K i FY gäyix/weziy Kiv n q Q wkbv ev n q _vk j wk ai Yi e Z q N U Q Zv mywbw` ófv e wpwýz Ki Z n e GZ`msµvšÍ cöyxz wi cvu wbqš YKvix Kvh vjqmn cöavb Kvh vj qi GgAvBGm GÛ vwumwukm wwwfk b cöiy Ki Z n e GgAvBGm GÛ vwumwukm wwwfkb Gme wi cvu e e vcbv KZ c /cwipvjbv cl ` ÎgvwmK wfwë Z ck Ki e 3.09 t jvb wiwfdkvix Kg KZ v `i K wpwýzkiy t kvlvi mkj jvb wiwfd Kivi j kvlvq GK ev GKvwaK wiwfd Kg KZ v wb qvm Ki Z n e wb qvmk Z wiwfd Awdmvi Gi bvg, c`ex I Kg j D Zb Kvh vj q cöiy Ki Z n e 3.10 t FY gv bi K `ªxf~ZKiY cöeyzv t kªyxk Z FY gv bi wfwë Z K vuvmivbr K i Kvb K vuvmwi Z (GmGm, wwgd, wegj) K `ªxf~Z n Q Zv wpwýz Ki Z n e Zv Qvov Kvb Lv Zi FY Kvb we kl kªyxgv b K `ªxf~Z n Q wkbv Zv wpwýz Ki Z n e m Î KejgvÎ F Yi cwigvy we epbv Kivi cvkvcvwk FY wnmve msl vi we epbvq Avb Z n e wiwfd Awdmvi Dc ivwjøwlz µwgk bs 3.02 _ K 3.08 ch ší hvezxq KvR m úv`b Ki e Ges G msµvší Z_ vw` GgAvBGm GÛ vwumwukm wwwfk b gvwmk wfwë Z cöiy Ki e 10

13 3.11 t eøk/cybtzdwmj/cybwe b vmk Z FY e e vcbv t jvb wiwfd Kv j kvlvi cybtzdwmj/cybwe b vmk Z/eøK FY wpwýz Ki Z n e G mkj FY cöyxz cwi kva m~wp Abyhvqx Av`vq n Q wkbv Zv hvpvb Ki Z n e AwaKš G mkj FY cybtzdwmj/cybwe b vm/eøk Aby gv`b Kv j Av ivwcz k Z i e Z q n q Q wkbv ZvI wpwýz Ki Z n e 4.00 t kvlvi jvb wiwfd Awdmv ii KiYxq t K) kvlvi FY gäyix, WKz g Ukb I weziy Kv j e vs Ki we` gvb µwwu cwjwm, evsjv `k e vs Ki wewa weavb I e vs Ki cöpwjz wbqgvpvi I bxwzgvjv h_vh_fv e AbymiY/cwicvjb Kiv n q Q wkbv; L) kvlvi mvwe K jvb cvu dvwji Gi YMZ gvb ( hgb t vûvw, GmGgG, GmGm, wwgd I wegj) I F Yi cwigvy wba viy; M) 3bs µwg Ki ey bvbyhvqx kªyxk Z FY wpwýz KiY Ges F Yi LvZ I gvb ( hgb t GmGgG, GmGm, wwgd I wegj) mywbw` ókiy; N) FY gäyix I weziy Ges mnvqk RvgvbZ I FY `wjjvw` m úv`b Kv j cöpwjz wbqg Kvby bi Kvb e Z q NUv bv n q Q wkbv; O) evsjv `k e vs Ki wb ` kbv gvzv ek GmGm I wwgd gv b kªyxk Z FY wnmv e mỳ v iv ci ci Zv kvlvi my` wirvf wnmv e vbvšíi Kiv n q Q wkbv; Avevi g `/Kz gv b kªyxk Z FY wnmv ei mỳ v ivc wmz i q Q wkbv; P) kvlvi FY gäyix, WKz g Ukb I weziy Kv j e vs Ki we` gvb µwwu cwjwm, evsjv `k e vs Ki wewa-weavb I e vs Ki cöpwjz wbqgvpvi I bxwzgvjvi Kvb e Z q NUv bv n q Q wkbv; Q) kªyxki Yi Kvb gv b FY AwaK K `ªxf~Z n q Q Zv wpwýz Kiv ev Kvb ai Yi FY AwaK cwigvy kªyxk Z n q Q Zv wpwýz Kiv; R) cybtzdwmj/cybwe b vm/eøk FY Aby gv`b Kv j wba vwiz cwi kva m~wp Abyhvqx FY/wKw Í Av`vq n Q wkbv Zv g~j vqb Kiv; 5.00 t jvb wiwfd cwjwmi ev Íevqb/cwicvjb t K) kvlv cöavb KZ K wb qvmk Z wiwfd Awdmvi kvlvi F Yi wiwfd gvwmk wfwë Z m úbœ Ki e Ges G msµvší wi cvu gvwmk wfwë Z cöavb Kvh vjqmn D Zb Kvh vj q cöiy Ki e; kvlvi jvb wiwfd _ K cövß Z_ GKxf~Z K i cöavb Kvh vj qi GgAvBGm GÛ vwumwukm wwwfkb e vs Ki mvwe K jvb cvu dvwji Gi gvb, cwigvy, BZ vw` wfwëk wi cvu Zix K i ÎgvwmK wfwë Z e vs Ki cwipvjbv cl ` ck Ki e Ges cl `i g~j vqb I wb ` kbv ev Íevq bi c` c MÖnY Ki e 11

14 L) e vsk e e vcbv KZ c cöwz eqi jvb wiwfd cwjwmi Kvh KvwiZv ch v jvpbv Ki eb Giƒc ch v jvpbvkv j we` gvb cwjwmi Kvb cwiez b/cwiea b/ms kvab cö qvrb n j Zv cwipvjbv cl `i Aby gv`bµ g M nxz n e cöavb Kvh vj qi GgAvBGm GÛ vwumwukm wwwfkb G wel q h_vh_ e e v MÖnY Ki e M) cwjwmi g~jbxwz A zbœ i L mgm vhy³ FY e e vcbvi wel q gvv ch vq _ K Av iv Kvb DbœZZi, cwikxwjz I Kvh Ki Kg cš vi mycvwik cviqv M j Zv ch v jvpbv K i cöwz eqi Av jvp cwjwm Z AšÍf ~³ Kivi c` c wb Z n e cöavb Kvh vj qi GgAvBGm GÛ vwumwukm wwwfkb G wel q h_vh_ e e v MÖnY Ki e N) e vs Ki cwipvjbv cl ` KZ K cöyxz g~j vqb wi cvu ÎgvwmK wfwë Z evsjv `k e vs K cöiy Ki Z n e cöavb Kvh vj qi GgAvBGm GÛ vwumwukm wwwfkb G wel q h_vh_ e e v MÖnY Ki e 6.00 t cöyxz jvb wiwfd cwjwm ch v jvpbv t cöyxz jvb wiwfd cwjwm cöwz eqi GKevi wiwfd Ki Z n e, hv e vs Ki cwipvjbv cl ` KZ K Aby gvw`z n e cöavb Kvh vj qi FY Av`vq I kªyxweb vm wefvm G e vcv i h_vh_ c` c MÖnY Ki e... 12

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