WELL DONE

1. 1
RbZv ev̈sK Gi FY`vb
bxwZgvjv
( Credit Policy of Janata Bank Limited )

2. Do we Know
what is credit?

3. Formal Definition of credit?
The word ‘Credit’ is derived from the
Latin word ‘ credere ’.
The word ‘ credere ’ means “I TRUST
YOU”
Credit is a contractual agreement in which a
borrower receives something of value now and
agrees to repay the lender at some later date with
consideration, generally with interest.

4. 4
mwVK FY`vb bxwZ
(Principles of Sound Lending)

5. 5
 FYbxwZ :
 ‡`‡ki A_©‰bwZK Dbœq‡b ¯^Kxq f‚wgKv cvjbmn
myôz ev̈swKs Kvh©µ‡gi gva¨
‡g FYcÖevn e„w× I
ev̈s‡Ki Kvh©µ‡g mvgwMÖK MwZkxjZv Aev̈nZ
ivLvi D‡`¨
‡k¨FYbxwZ cÖYqb Kiv nq|
 es̈K †Kv¤úvbx AvBb
 wkíbxwZ
 Avg`vbx-ißvbx bxwZ
 miKv‡ii Abv̈b¨bxwZgvjv,
 miKvi I evsjv‡`k ev̈s‡Ki wewfbœ mg‡q RvwiK…Z
weÁwß
 ev̈sKmg~‡ni cÖPwjZ ixwZ-bxwZi Av‡jv‡K FY`vb
bxwZgvjv cÖYqb Kiv nq

6. 6
 FYbxwZi jÿ¨
 AwaKZi myôz I Kvh©Ki FY e믒vcbv MVb
 MÖnb‡hvM¨gvÎvq †UKmB gybvdv AR©b
 Z_¨cÖhyw³ wfwËK FY e믒vcbv MVb
 FY Kg©cwiwa wefvRb I `vwqZ¡ e›Ub
 FY †Kw›`ªf‚ZKiY †iva
 ev̈s‡K GKwU Kvh©Ki Sz^wK e믒vcbv
ms¯‹…wZ M‡o †Zvjv
 AwaKZi myôz I Kvh©Ki FY e믒vcbv MVb
 FY eûgyLxKiY
 K…wlwfwËK wk‡íi cÖmvi

7. 7
 hw`I mKj F‡YB wewfbœ gvÎvi Sz^wK m¤ú„³ _v‡K , Z_vwc GB
SzuwK b¨
~bZg gvÎvq (minimize) ivLvi wbwgË mwVK FY`vb
bxwZ AbymiY Kiv DwPZ
 ‡Kvb FY MÖnxZv KZ©„K AcÖZv̈wkZfv‡e / we‡kl KviYekZ: FY
cwi‡kva bv Kivi
SuywK wbim‡bi j‡ÿ¨wb‡¤œv³ welqmg~‡ni cÖwZ we‡kl jÿ¨
ivLv cÖ‡qvRb:
 mwVK FY`vb bxwZ ev¯Íevq‡bi wbwgË we‡eP¨
LvZmg~n:
 wbivcËv ( Safety)
 Zvij¨(Liquidity)
 F‡Yi cÖ‡qvRbxqZv (Purpose of Loan)-amount, duration,
source of
repayment
 RvgvbZ (Security/Collateral)
 jvf (Profitability)

8. 8

9. 9
RbZv ev̈sK Gi FY`vb
bxwZgvjv
( Credit Policy of Janata Bank Limited )

10. 10
 eëmv cwiPvjbvi wbwgË ev̈sK RbM‡Yi mwÂZ A_© AvgvbZ¯^iƒc
msMÖn K‡i
 msM„nxZ AvgvbZ wewfbœ eẅ³ /cÖwZôvb‡K FY wn‡m‡e
cÖ`vb K‡i _v‡K
 cÖ`Ë FY ev̈s‡Ki g~j PvwjKv kw³
 RbZv ev̈sK wjwg‡UW Gi cÖvq 200 Gi AwaK †µwWU †cÖvWv±
i‡q‡Q
 ev̈sK RbM‡Yi mwÂZ A_© FY ¯^iƒc eënvi K‡i weavq GB A_© -
 mg‡qvc‡hvMx fv‡e, jvfRbK , cÖPwjZ I AMÖvwaKvi Lv‡Z
weZiY
 A‡_©i m‡e©v”P wbivcËv weavb

11. 11
 RbZv ev̈s‡Ki FYbxwZi wfwË :
 ev̈s‡Ki eZ©gvb Zvij¨cwiw¯’wZ
 F‡Yi ¸YMZ gvb
 gybvdvi jÿg̈vÎv
 RvZxq I AvšÍR©vwZK A_©‰bwZK Ae¯’v
 evsjv‡`k ev̈s‡Ki wb‡`©kbv
 miKv‡ii Abv̈b¨bxwZgvjv AvBb Kvbyb BZv̈w`i mv‡_
mvgÁm¨ †i‡L cÖwZ ermi ev̈s‡Ki ev̈s‡Ki FYbxwZ
nvjbvMv` Kiv n‡q _v‡K |

12. 12
RbZv ev̈s‡Ki FYbxwZi jÿ¨:
 MÖnb‡hvM¨gvÎvq †UKmB gybvdv AR©b
 GKwU myôz I eûg~Lx †µwWU †cvU©‡dvwjI MVb
 Z_¨cÖhyw³ wfwËK FY e믒vcbv MVb
 FY Kg©cwiwa wefvRb I `vwqZ¡ e›Ub
 FY †Kw›`ªf‚ZKiY †iva Z_v FY eûgyLxKiY
 K…wlwfwËK wk‡íi cÖmvi
 Kvh©Ki †Ljvcx FY e믒vcbv Kiv
 KzwUi wkí, gvB‡µv D‡`v̈³v I ÿz`ª D‡`v̈³v‡`i AbyK‚‡j FY
e„w×KiY
 GmGgB Lv‡Zi weKvk , m¤úªmviY I kw³kvjxKiY
 cÖPwjZ Lv‡Zi mv‡_ mv‡_ bZzb Lv‡Z ißvwb
m¤úªmviY

13. 13
 ev‡mj -2 Ges ev‡mj -3 Gi wb‡`©kbv c~Y©vsfv‡e ev¯Íevqb
Kiv
 cwi‡ek SzuwK e믒vcbv Kiv
 `vwi`ª we‡gvPb I Kg©ms¯’vb e„w×i j‡ÿ¨ we‡kl we‡kl
Kg©m~wPi Dci ¸iæZ¡ cª`vb
 cwi‡ek evÜe cÖK‡í A_©vq‡b DrmvwnZKiY
 MÖxY ev̈swKs cÖeZ©b Kiv I AbjvBb ev̈swKs ev¯Íevqb
 `vwqZ¡kxjZvi mv‡_ ev̈s‡Ki m¤ú` ev̈envi I m¤ú‡`i ¸bMZ e„w×
Kiv
 fvj †µwWU †iwUs m¤úbœ (b¨
~bZg BBB) MÖvnKMY‡K FY
cÖ`vb/ewa©ZKi‡Y DrmvwnZKiY Ges Unrated MÖvnK‡`i FY
cÖ`v‡b wbiærmvwnZKiY
 1.00 †KvwU ev Z`~a© As‡Ki FY MÖnxZv‡`i †µwWU †iwUs
evaZ̈vg~jK Kiv I BBB bx‡P †iwUs m¤úbœ Unrated MÖvnK‡`i
1.00 †KvwU ev Z`~a© As‡Ki FY cÖ`vb bv Kiv |

14. 14
FYbxwZ cÖYq‡b
¸iæZ¡c~Y© welqmg~n

16. Adjusted Loan Growth fixed at 15% of
Outstanding of 31st December 2022 (67,687)
Adjusted Loan Growth= Gross Loan- (Staff + Agri
+ Loan Govt. Guarantee+ SOD (JBLFO)+FF
Loan)

17. Disbursement of CMSME 2023
is 50% of Adjusted Growth
loan

18. Large Loan Concentration Limit
Concentration
Risk

19. 19
 ev̈s‡Ki FYbxwZ cÖYq‡b we‡eP¨welqmg~n :
 evwYwRf̈v‡e F‡Yi jvfRbKZv wbwðZKiY
 Av_©mvgvwRK Dbœq‡b mwµq Drmvn`vb, `vwi`ª
we‡gvPb I Kg©ms¯’vb e„w×
 FY gÄywi ÿgZv we‡K›`ªxKiY
 FY mswkøó wbe©vnx/FY gÄyiKvwi Kg©KZ©v‡`i `vq-
`vwqZ¡ I Kg©cwiwa cyb:wba©viY
 FY gÄywi ÿgZvwewa -FY gÄywi / bevqb / ewa©ZKiY
Kvh©µg cwiPvjbv
 FYmxgv wba©viY ( Landing Cap )
 FY cÖ¯Íve g~jv̈qb I SzuwK wbiæcb ( Credit Assessment &
Risk Grading )
 ‡µwWU ev‡RU wba©viY I LvZIqvix e›Ub

20. 20
 e„n`vsK FY gÄywi :
 cÖZÿ̈ (Funded) I c‡ivÿ (Nonfunded) FY ev̈s‡Ki ‡gvU Kv̈wcUvj Gi
10% Gi AwaK n‡j Zv e„n`vsK FY wn‡m‡e we‡ewPZ n‡e |
 ev̈w³ / cÖwZôvb / MÖæc‡K cÖ‡`q FYmxgv
 evsjv‡`k ev̈sK Gi mv‡_ m¤úvw`Z MOU Abymi‡Y RbZv ev̈sK
GKRb ev̈w³ / cÖwZôvb / MÖæc‡K cÖZÿ̈ I c‡ivÿ FY wnmv‡e
ev̈s‡Ki ‡gvU Kv̈wcUvj Gi 25% Gi AwaK A_© cÖ`vb Ki‡Z cvi‡e
bv | G †ÿ‡Î cÖZÿ̈ FY ‡gvU Kv̈wcUvj Gi 15% Gi AwaK n‡e bv
 AeKvVv‡gvMZ Dbœqb I Mv̈m G·‡cøv‡ik‡bi †ÿ‡Î cÖZÿ̈ I
c‡ivÿ FY ‡gvU Kv̈wcUvj Gi 25% cÖ`vb Kiv hv‡e Z‡e GLv‡bI
cÖZÿ̈ FY ‡gvU Kv̈wcUvj Gi 15% Gi AwaK n‡e bv |

21. 21
 e„n`vsK FY gwbUwis
 wmwÛ‡Kkb FY
 GgIBD cwicvjb
 FY-AvgvbZ AbycvZ (Credit-Deposit Ratio) cwicvjb-
ALM
 ev‡mj -2 Ges ev‡mj -3 Gi wb‡`©kbv ev¯Íevqb
 FY MÖnxZv wbe©vPb
 FY wnmve bevqb I cyb:ZdkxjKiY
 RvgvbZ MÖnb
 ‡µwWU ev‡RU wba©viY I LvZIqvix e›Ub
 weZiYK…Z FY wnmve ch©v‡jvPbv
 AvMvg mZK©Zv (SMA)

22. 22
 FY cÖkvmb
 FY Av`vq
 NPL / ‡Ljvcx FY ev̈e¯’vcbv
 ‡µwWU KwgwU, ‡µwWU KwgwUi MVb cÖYvjx,
`vwqZ¡ I KZ©e¨
, Kg©cwiwa
 FY †Kw›`ªf~ZKiY †iva I FYcÖevn eûgyLxKiY
 my`nvi wba©viY
 wbj¤^b my` wnmvevqb
 G‡RwÝ ev̈e¯’vcb
 MÖvnK †iwUs
 FY AwaMÖnb bxwZgvjv

23. 23
FY MÖnxZv wbe©P‡bi †ÿ‡Î wewfbœ
‡cÖÿvc‡U FY MÖnxZv‡K wePvi
we‡kølY K‡i wm×všÍ wb‡Z n‡e |
 fv‡jv FY MÖnxZvi cÖavb êwkó n‡”Q :
• F‡Yi UvKvi myôz eënvi Kivi mÿgZv
• mgqgZ my`mn F‡Yi UvKv cwi‡kva Kivi
mw`”Qv _vKv
• FY †Ljvcx bq
• FY cyb:Zdkxj /my` gIKzd K‡i bvB
• Fyvs‡Ki Zzjbvq cª`Ë mnRvgvb‡Zi cwigvb
†ewk

24. 24
 FY †`evi Av‡M we‡eP¨:
 ‡Kvb eẅ³ / cÖwZôvb †K FY †`qv
hv‡e
 ‡Kb FY cÖ‡qvRb
 KZ UvKv FY †`qv hv‡e
 ‡Kvb cÖKvi FY †`qv hv‡e
 5 Cs for borrower selection:
 Character
 Capital
 Condition
 Capacity
 Collateral

25. Thank You
25