The key objectives of Janata Bank Limited's credit policy are to effectively manage credit through prudent lending practices. Loans are provided in a way that balances credit risk and profitability, with the ultimate goal of maximizing earnings while maintaining credit quality. The credit policy outlines guidelines for lending in all relevant areas to facilitate effective credit operations. It aims to diversify lending to priority sectors like agriculture and SMEs to boost national economic development. Prudent evaluation of loan applications and post-disbursement monitoring are emphasized to ensure loan safety and recovery.

1. Credit Policy of Janata Bank
Limited

2. RbZv ev̈sK wjwg‡U‡Wi FY bxwZi D‡Ïk¨t
•FYbxwZi g~j D‡Ïk¨ n‡”Q Kvh©Ki FY
e믒vcbv| FY Kvh©µ‡gi mv‡_ FY I
SzuwK A½vAw½fv‡e RwoZ| FY
SzuwK cwinvi bq eis SzuwKi gvÎv
me©wb¤œ ch©v‡q †i‡L me©vwaK
Avq AR©bB ev̈s‡Ki FY Kvh©µ‡gi g~j
D‡Ïk¨
| FY mswkøó wWcvU©‡g›U I
kvLvmn mKj ¯Í‡i FY Kvh©µg cwiPvjbvi
Rb¨G FYbxwZ cÖ¯‘Z Kiv n‡q‡Q|

3. RbZv ev̈sK wjwg‡U‡Wi FY bxwZi D‡Ïk¨t
• mvwe©K FY Kg©Kv‡Û SuzwK e믒vcbv Kvh©µg MÖnY;
• mvgwMÖK FY e믒vcbv‡K MwZkxj Kiv;
• FY eûgyLxKiY, ÿz`ª I gvSvix (GmGgB) D‡`v̈³v, bvix D‡`v̈³vM‡Yi
AbyK‚‡j FY e„w×;
• gvB‡µv †µwWU LvZ‡K kw³kvjxKiY, ißvwb m¤úÖmviY;
• evsjv‡`‡ki Av_©- mvgvwRK Dbœq‡b K…wl I K…wlwbf©i wk‡íi
f~wgKv we‡ePbvq K…wl I K…wlwbf©i wkíLvZ‡K AMÖvwaKvi
cÖ`vb Ges K…wlwfwËK wk‡íi cÖmvi;
• AšÍf©~w³g~jK ev̈swKs, `vwi`ª we‡gvPb I Kg©ms¯’vb e„w×i j‡ÿ¨
we‡kl we‡kl Kg©m~wPi Dci ¸iæZ¡ cª`vb;
• ev̈s‡Ki FY †K›`ªxf~ZKiY SuywK n«vm Kivi j‡ÿ¨ÿz`ª I gvSvwi F‡Yi
cªwZ AwaK ¸iæZ¡ cª`vb;

4. RbZv ev̈sK wjwg‡U‡Wi FY bxwZi D‡Ïk¨t
• wmGgGmGgB Lv‡Zi weKvk I m¤cÖmviY;
• cwi‡e‡ki Rb¨ ÿwZKi Kg©KvÛ‡K cwinvi K‡i cwi‡ek I mgvR iÿvi
welqwU‡K AMÖvwaKvi w`‡q cwi‡ek evÜe cÖKí †hgb ev‡qvMv̈m,
†mvjvi GbvwR©, eR©¨cwi‡kvab cøv̈›U (ETP), DBÛ wgj, BU fvUvq
Kve©b wbM©gb n«v‡mi D‡Ï‡k¨nvBweªW ndgv̈b wKb (HHK) mn
mggv‡bi cÖhyw³ m¤úbœ cøv̈›U BZv̈w`‡Z A_©vqb DrmvwnZKiY;
• MÖxb ev̈swKs Ges cwi‡ek I mvgvwRK SuywK †gvKv‡ejvq Kvh©Ki
e믒v MÖnY;
• GK †KvwU I Z`yaŸ© As‡Ki FY MÖnxZvM‡Yi †µwWU †iwUs
evaZ̈vg~jK Kiv, fvj †µwWU †iwUs m¤úbœ MÖvnKMY‡K FY
gÄywi/ewa©ZKi‡Yi †ÿ‡Î AMÖvwaKvi cÖ`vb Ges Unrated
MÖvnK‡`i FY cÖ`v‡b wbiærmvwnZKiY;
• ev̈‡mj-3 (Basel-III) c~Y©v½fv‡e ev¯Íevqb;
• FY gwbUwis I Av`vq wbwðZ Kiv;

5. RbZv ev̈sK wjwg‡U‡Wi FY bxwZi D‡Ïk¨t
• F‡Yi wecix‡Z ch©vß mnRvgvbZ MÖnY Kivi welqwU wbwðZ Kiv;
• ¯^íZg Li‡P I b~b̈Zg mg‡qi g‡a¨FY weZiY wbwðZ Kiv;
• FY cÖ¯Íve cÖwµqvKiY I gÄywi Kvh©µg mnR Kiv;
• miKv‡ii AMÖvwaKvig~jK Lv‡Z FY cÖevn e„w× Kiv;
• m¤¢vebvgq Lv‡Z FY cÖ`v‡bi my‡hvM m„wó Kiv;
• Avg`vwb-ißvwb eëmv m¤úªmviY I mymsnZ Kiv;
• FY k„sLjv (Credit Discipline) cÖwZôv Kiv;
• wewfbœ `y‡h©vM/gnvgvix †hgb mv¤úªwZK b‡fj K‡ivbv fvBivm BZv̈w`
cÖv`yf©v‡ei Kvi‡Y evsjv‡`‡ki m¤¢ve¨ A_©‰bwZK weiƒc cÖfve
†gvKv‡ejvq †`‡ki A_©‰bwZK Kg©KvÛ cybiƒ¾xweZKiY;
• avivevwnK Pjgvb Dbœqb‡K mylg I †UKmB K‡i cÖvwšÍK I mvaviY
RbMY‡K A_©‰bwZK Kg©Kv‡Û m¤ú„³KiY|

6. bxwZgvjv :
• cwjwm MvBWjvBbm (Policy Guidelines)
• FY cÖ`v‡bi g~jbxwZ (Basic Lending Principles)
 F‡Yi wbivcËv (Loan Safety)
 Zvij¨
(Liquidity)
 FY MÖn‡Yi D‡Ïk¨(Purpose)
 jvfRbKZv (Profitability)
 eûg~wLZv (Diversity)
 RvZxq ¯^v_© (National Interest)
 FY SzuwK e믒vcbv (CRM)
 mg‡SvZv ¯§viK (MOU)

7. • mvaviY FY bxwZgvjv (Lending Guidelines)
FY AvgvbZ AbycvZ (Credit Deposit Ratio)
GgIBD (MoU) cwicvjb
ev̈‡mj-3 ev¯Íevqb (Implementation of Basel-III)
FY cÖwµqvKiY (Lending Procedure)
FY MÖnxZvi Av‡e`b (Application of Borrower)
FYMÖnxZv wbe©vPb (Selection of Borrower)
FY cÖ¯Íve g~jv̈qbI cÖ¯Íve cÖwµqvKiY
FY gÄywi, bevqb I ewa©ZKiY
bxwZgvjv :

8. FY Aby‡gv`‡bi †ÿ‡Î we‡eP¨welqmg~n:
• wbe©vnx/Kg©KZ©vi FY gÄywi ÿgZv Av‡Q wK-bv|
• cÖ¯ÍvweZ F‡Yi AsK KZ©„cÿ KZ…©K Aby‡gvw`Z mxgvi g‡a¨Av‡Q wK-bv|
• wewb‡qvM‡hvM¨Znwej Av‡Q wK-bv|
• evsjv‡`k ev̈s‡Ki mv‡_ ¯^vÿwiZ MoU Gi Abykvmb cwicš’x wK-bv|
• Single Borrower Exposure Limit AwZµg Ki‡Q wK-bv|
• ¸iæZi AwWU AvcwË Av‡Q wK-bv|
• mnRvgvb‡Zi Ae¯’vb, ¸YMZgvb I g~j¨Øviv F‡Yi ch©vß Av”Qv`b (coverage) Av‡Q wK-bv|
• 10.00 †KvwU UvKvi AwaK FY gÄywii †ÿ‡Î AvBwmwm wefv‡‡Mi cÖav‡bi (ICC Head)
m¤§wZ/mycvwik cÖ`vbc~e©K cÖZq̈b cÎ Av‡Q wK-bv A_ev AvBwmwmi †PKwj‡ó D‡jøwLZ
Avcw˸‡jv ms‡kvab Kiv n‡q‡Q wK-bv|
• FY cÖ¯Íve cÖPwjZ FY wbqgvPvi I bxwZgvjvi m‡½ m½wZc~Y© wK-bv|
• wmAvBwe wi‡cvU© m‡šÍvlRbK (clean) wK-bv|
• †µwWU KwgwUi mycvwik Av‡Q wK-bv|
• AvBwmAviAvi/†µwWU †iwUs KvswLZ gv‡b Av‡Q wK-bv|
• FY cÖ¯ÍvewU cwi‡ekevÜe wK-bv|
• FY cÖ¯ÍvewU †Kvb wbwl× †NvwlZ cY¨Drcv`b/eëmvi Rb¨wK-bv|
• FYMÖnxZv cÖvß eq¯‹ I my¯’ gw¯Í®‹ m¤úbœ wK-bv|

9. FY gÄywi, bevqb I ewa©ZKiY Gi †ÿ‡Î Abv̈b¨
we‡eP¨welqmg~n:
• FY gÄyi/bevqb/ewa©ZKiY mKj †ÿ‡Î
FYMÖnxZv/Rvwgb`vZv/cÖwZôv‡bi Avw_©K weeibx (Financial
Statement) we‡kølY Ki‡Z n‡e| Kv̈k †d¬v, †WU (debt) mvwf©m Kfv‡iR
†iwkI, Kw›Ub‡R›U `vq, Zvij¨ Ae¯’v BZv̈w` we‡kølYc~e©K FY
gÄyi/bevqb/ewa©ZKi‡Yi MÖnY‡hvMZ̈v hvPvB Ki‡Z n‡e|
• cÖ¯ÍvweZ mnvqK Rvgvb‡Zi g~jv̈qb mZK©Zvi mv‡_ Ki‡Z n‡e| G‡ÿ‡Î
evsjv‡`k ev̈sK Ges AÎ ev̈s‡Ki mKj bxwZgvjv h_vh_fv‡e cwicvjb Ki‡Z
n‡e Ges eÜKx m¤úwËi gvwjKvbv, `Lj¯^Ë¡, `wjjvw` h_vh_fv‡e hvPvB
Ki‡Z n‡e|
• †Kv‡bv eẅ³/cÖwZôv‡bi AbyK~‡j FY gÄywii c~‡e© H
eẅ³/cÖwZôv‡bi bv‡g wKsev mn‡hvMx †Kv‡bv cÖwZôv‡bi bv‡g
Ab¨ev̈sK ev A_©jMœxKvix cªwZôv‡b `vq‡`bv Av‡Q wKbv Zv h_vh_
AbymÜv‡bi gva¨
‡g wbwðZ n‡Z n‡e|
• MÖvn‡Ki wnmv‡ei †jb‡`b MÖvn‡Ki eëmv‡qi ev¯Íe Ae¯’vi m‡½
m½wZc~Y© wK bv Zv hvPvB evQvB K‡i †`L‡Z n‡e| bZzb wnmv‡e

10. FY gÄywi, bevqb I ewa©ZKiY Gi †ÿ‡Î Abv̈b¨
we‡eP¨welqmg~n:
• FYMÖnxZv hw` cªK…Z eëmvqx nb, Abv̈b¨ev̈s‡K Zvi m‡šÍvlRbK †jb‡`b
_v‡K Ges ch©vß mnRvgvbZ Øviv mgw_©Z _v‡K Zvn‡j AÎ ev̈s‡K b~b̈Zg
†jb‡`b _vKv m‡Ë¡I FY cÖ¯Íve we‡ePbv Kiv †h‡Z cv‡i|
• FY cÖ¯Íve cÖvwßi ci FY Av‡e`bKvixi cvkvcvwk Mv̈iv›Ui‡`i cwiPq,
eZ©gvb I ¯’vqx wVKvbv, eẅ³MZ I cvwievwiK Ae¯’v, wkÿvMZ †hvMZ̈v,
eëmvi Ae¯’vb I aiYmn hveZxq Z_¨
, cwim¤ú‡`i Ae¯’v m¤úwK©Z Z_¨
,
cÖwZôvb/eẅ³i wbixwÿZ Avw_©K weeiYx, cÖv°wjZ Avw_©K weeiYx
BZv̈w` h_vh_fv‡e ch©‡eÿY/ch©v‡jvPbv K‡i mieivnK…Z Z‡_¨
i mwVKZv
m¤ú‡K© wbwðZ n‡Z n‡e|
• FYMÖnxZv Ges Mv̈iv›Ui Df‡qi †µwWU Bbdi‡gkb, Avw_©K `vq‡`bv
m¤úwK©Z Z_¨msMÖn Ki‡Z n‡e| Z_m̈g~n MÖvn‡Ki wbixwÿZ Avw_©K
weeiYx/cÖv°wjZ Avw_©K weeiYx Ges eẅ³MZ cwim¤ú` I `vq‡`bvi mv‡_
m½wZc~Y© n‡Z n‡e|
• FY Av‡e`bc‡Î MÖvnK KZ…©K F‡Yi cÖ‡qvRbxqZv I FY MÖn‡Yi D‡Ïk¨
m¤ú‡K© my®úó I ev¯ÍevbyM †NvlYv _vK‡Z n‡e| F‡Yi eënvi I D‡Ïk¨

11. FY gÄywi, bevqb I ewa©ZKiY Gi †ÿ‡Î Abv̈b¨
we‡eP¨welqmg~n:
• ev̈sKvi MÖvnK m¤ú‡K©i wfwˇZ gvwR©‡bi cwigvY wba©viY Ki‡Z n‡e|
†h mg¯Í F‡Yi †ÿ‡Î me©wbgœ gvwR©b wba©vi‡Yi D‡jøL i‡q‡Q †m mKj
†ÿ‡Î F‡Yi mnRvgvbZ, gvjvgvj/c‡Y¨
i evRvi cwiw¯’wZ, evRvi `‡ii DVvbvgv,
¯’vwqZ¡, Pvwn`v, cwigvY, gRy` eëmv, cwi`k©b myweav BZv̈w` welq
ch©v‡jvPbv K‡i gvwR©‡bi cwigvY cÖ‡qvRb‡ev‡a e„w× Kiv †h‡Z cv‡i|
• FY gÄywic‡Îi kZ© †gvZv‡eK FYMÖnxZv Ges Rvwgb`vi (cÖ‡hvR¨†ÿ‡Î)
KZ…©K memgq cÖ‡qvRbxq gvwR©b msiÿY Ki‡Z n‡e| mnRvgvbZ
m¤úwËi g~j¨†Kv‡bv Kvi‡Y K‡g †M‡j gvwR©b eRvq ivLvi Rb¨AwZwi³
mnRvgvbZ cÖ`vb Kiv n‡e g‡g© MÖvn‡Ki KvQ †_‡K A½xKvibvgv
MÖnY Ki‡Z n‡e|
• FYMÖnxZv KZ…©K `vwLjK…Z WKz‡g›U (Z_/̈`wjjvw`) †hgb Avg`vwb-
ißvwb welqK Pzw³cÎ, FYcÎ, Kgvwk©qvj Bbf‡qm BZv̈w` hvPvB K‡i F‡Yi
h_vh_ eënvi wbwðZ n‡Z n‡e|
• weZiYKvix KZ…©cÿ KZ…©K Pjgvb FY weZi‡Yi ci gÄywic‡Îi kZ© Ges
MÖvn‡Ki A½xKvi †gvZv‡eK F‡Yi eënvi h_vh_ n‡q‡Q wK-bv †m
m¤ú‡K© †hŠw³K mg‡qi g‡a¨hvPvB K‡i wbwðZ n‡Z n‡e| hvPvBKv‡j F‡Yi

12. FY gÄywi, bevqb I ewa©ZKiY Gi †ÿ‡Î Abv̈b¨
we‡eP¨welqmg~n:
• †gqv`x F‡Yi †ÿ‡Î †Kv‡bv wKw¯Í weZi‡Yi ci gÄywic‡Îi kZ© †gvZv‡eK F‡Yi h_vh_
eënvi wbwðZ n‡q cieZ©x wKw¯Í weZiY Kiv hv‡e| c~e©eZ©x wKw¯Íi h_vh_
eënvi wbwðZ bv n‡j F‡Yi cieZ©x wKw¯Í weZiY eÜ _vK‡e Ges mswkøó
MÖvnK‡K wba©vwiZ mgqmxgvi g‡a¨F‡Yi h_vh_ eënvi wbwðZ Kivi Rb¨FY
Kg©KZ©v KZ…©K †bvwUk cÖ`vb Ki‡Z n‡e| F‡Yi h_vh_ eënvi wbwðZ Ki‡Z
e¨
_© n‡j FY Av`v‡qi Rb¨cÖ‡qvRbxq e믒v MÖnY Ki‡Z n‡e|
• GKwU FY/wewb‡qv‡Mi A_© w`‡q †Kvbfv‡eB Aci †Kvb FY/wewb‡qvM-Gi `vq
cwi‡kva ev mgš^q Kiv hv‡e bv|
• FY g~jv̈qbc‡Î D‡jøwLZ Z_m̈g~n eQi Iqvwi (Avg`vwb-ißvwb eëmvi †ÿ‡Î
gvwmK) wfwˇZ nvjbvMv` Ki‡Z n‡e Ges ch©v‡jvPbv K‡i Zvi h_v_©Zv wbwðZ
n‡Z n‡e|
• FYbxwZ‡Z D‡jøwLZ mKj kZ©vw` cwicvjb K‡i FY gÄyi, ewa©Z, bevqb I weZiY
Ki‡Z n‡e|
• B›Uvibvj †µwWU wi¯‹ †iwUs (ICRR) Ki‡Z n‡e|
• GK †KvwU ev Z`~aŸ© FY gÄywii †ÿ‡Î AekB̈ evsjv‡`k ev̈sK Aby‡gvw`Z †KvbI
G·Uvibvj †µwWU †iwUs G‡RÝxi (ECAI) gva¨
‡g †µwWU †iwUs Kiv‡Z n‡e|
• FY bxwZgvjvi eZ̈q̈ NwU‡q FY gÄyi/ewa©Z/bevqb Kiv n‡j FY g~jv̈qb cÎ,
cÖe‡jg †jvb wi‡cvwU©s Ges Abv̈b¨MIS-G Zv D‡jøL Ki‡Z n‡e| G ai‡bi FY gÄyi,

13. FY gÄywi, bevqb I ewa©ZKiY Gi †ÿ‡Î Abv̈b¨
we‡eP¨welqmg~n:
• bb dv‡ÛW `vq hv‡Z dv‡ÛW `v‡q cwiYZ bv nq †m wel‡q h_vh_ mZK©Zv
Aej¤^b Ki‡Z n‡e| B‡Zvg‡a¨ m„ó wWgvÛ †jvb/†dvm©W
†jvb/GdwWwewc/wcGwW `vqmg~n cÖavb Kvh©vjq mswkøó
wWcvU©‡g›U KZ…©K wbqwgZ gwbUwis Ki‡Z n‡e Ges GZ`mswkøó weeiYx
d‡ib †UªW gwbUwis wWcvU©‡g›U KZ…©K cl©` mfvq Dc¯’vcb Ki‡Z n‡e|
• FYmxgv bevqb I ewa©ZKi‡Yi †ÿ‡Î c~‡e© MÖnYK…Z mnRvgvbZ †hŠw³K
ch©v‡q i‡q‡Q wK-bv A_ev FYmxgv Kfvi K‡i wK-bv Zv hvPvB Ki‡Z n‡e| bb-
dv‡ÛW `vq dv‡ÛW `v‡q iƒcvšÍwiZ n‡j dv‡ÛW `v‡qi Rb¨ b~b̈Zg mgg~‡j¨
i
mnRvgvbZ MÖnY Ki‡Z n‡e| FYmxgvmg~n bevqb I ewa©ZKi‡Yi †ÿ‡Î wewa
†gvZv‡eK cÖ‡qvRbxq mnRvgvbZ MÖnYc~e©K cÖ¯Íve cÖwµqvKiY Ki‡Z n‡e
Ges ev̈s‡Ki cÖavb Kvh©vj‡qi †µwWU KwgwU welqwU wbwðZ nIqv mv‡c‡ÿ
cÖ¯Íve cl©‡` Dc¯’vc‡bi Rb¨ mycvwik Ki‡e (wb‡`©k weÁwß-786/17
ZvwiL:26.11.2017)|
• FY gÄywii kZ©vejx MÖvnK‡K we¯ÍvwiZfv‡e wjwLZ AvKv‡i Rvbv‡Z n‡e Ges
MÖvn‡Ki wbKU †_‡K D³ kZ©vw` cwicvj‡bi wel‡q wjwLZ m¤§wZcÎ MÖnY Ki‡Z
n‡e|
• cÖv_wgK RvgvbZ MÖn‡Yi †ÿ‡Î gvjvgv‡ji ¸Yv¸Y, cÖK…wZ, †gqv`, msiÿY
†hvMZ̈v, cPbkxjZv, weµq †hvMZ̈v BZv̈w` we‡ePbv Ki‡Z n‡e|
• cÖv_wgK RvgvbZ wn‡m‡e M„nxZ gvjvgv‡ji g~j¨ wba©vi‡Yi †ÿ‡Î cÖK…Z

14. FY gÄywi, bevqb I ewa©ZKiY Gi †ÿ‡Î Abv̈b¨
we‡eP¨welqmg~n:
• mnvqK RvgvbZ wn‡m‡e cvIqvi Ae GUbx© e‡j cÖvß m¤úwË eÜK
MÖnY Kiv hv‡e bv| Z‡e evwYwRK̈-Kvg-AvevwmK feb/evwYwRK̈
feb/weµ‡qi D‡Ï‡k¨ AvevwmK d¬v̈U evox wbg©vYKvix/†W‡fjcvi
cÖwZôv‡bi AbyK~‡j Uvg© †jvb/GmIwW F‡Yi †ÿ‡Î AcÖZv̈nvi‡hvM¨Avg-
†gv³vibvgv/cvIqvi Ae GUb©x g~‡j cÖvß Rwg m¤ú~Y© FYmxgv Ave„Z
(Cover) K‡i eÜK MÖnY Kiv hv‡e;
• miKvi KZ…©K AwaMÖnYK…Z/Awc©Z m¤úwË Ges gvwj‡Ki `L‡j †bB
Ggb m¤úwË eÜK †bqv hv‡e bv| Rwg/m¤úwË eÜK MÖn‡Yi c~‡e©
Rwg/m¤úwË †Kv‡bv miKvwi cÖK‡íi e„nËi cwiKíbvi AvIZvgy³ g‡g©
wbwðZ n‡Z n‡e| G wel‡q wbwðZ nIqvi Rb¨moK I Rbc_/ cvwb I we`yr̈
Dbœqb †evW©/ ¯’vbxq wmwU K‡c©v‡ikb ev wgDwbwmcv̈j A_wiwUi
fwelr̈ cwiKíbvi bKkv I we`g̈vb ¯’vcbvi Ae¯’vb hvPvB Ki‡Z n‡e (wb.we.-
571/14)|
• wj‡Ri gva¨
‡g gvwjKvbvcÖvß Rwg eÜK MÖn‡Yi c~‡e© wjR wWW hvPvB
Ki‡Z n‡e Ges wjR wW‡Wi kZ©mg~n eÜK MÖn‡Yi AbyK‚j wKbv G
wel‡q wbwðZ n‡Z n‡e| `xN© †gqv‡` A‡b¨
i Kv‡Q wjR †`qv m¤úwË eÜK
wn‡m‡e MÖnY‡hvM¨n‡e bv (wb.we.-571/14)|
• m¤úwËi g~j gvwjKvbv `wjj nviv‡bv †M‡j, Av¸‡b cy‡o wKsev Ab¨†Kv‡bv
fv‡e webó n‡j †m †ÿ‡Î cÖavb Kvh©vj‡qi mswkøó wWcvU©‡g‡›Ui

15. FY gÄywi, bevqb I ewa©ZKiY Gi †ÿ‡Î Abv̈b¨
we‡eP¨welqmg~n:
• FY cÖ`v‡bi c~‡e©B mwVKfv‡e mnvqK RvgvbZ wn‡m‡e
M„nxZ m¤úwËi g~j¨ wbiƒcY I hvPvB Kiv Ges ZvrÿwYK
weµq g~j¨we‡ePbv Ki‡Z n‡e|
• cÖ‡qvRbxq mKj Aby‡gv`b eẅZ‡i‡K †Kvb FY weZib Kiv
hv‡e bv| bb-dv‡ÛW FY dv‡ÛW F‡Y cwiYZ Kivi c~‡e©
cÖavb Kvh©vj‡qi h_vh_ KZ©„c‡ÿi AbygwZ/Aby‡gv`b
MÖnY Ki‡Z n‡e|
• FY gÄywi/bevqb/ewa©ZKi‡Yi †¶‡Î mg‡q mg‡q RvwiK…Z
weÁwß/wb‡`©kbvmg~‡ni mKj kZ©vw` cwicvjb Ki‡Z n‡e|

16. FY gÄywi, bevqb I ewa©ZKiY Gi †ÿ‡Î
Abv̈b¨we‡eP¨welqmg~n:
• GKB FYMÖnxZvi AbyK‚‡j GKvwaK FY gÄywi
• GKB FYMÖnxZvi AbyK~‡j GKvwaK kvLv n‡Z FY gÄywi
• eẅ³/cÖwZôvb/MÖæc‡K cÖ‡`q FYmxgv (Single Borrower/Group
Borrowing Exposure Limits)
• wmwÛ‡Kkb FY (Syndication Loan)
• FY AwaMÖnY bxwZgvjv
• †bg †jwÛs (Name Lending)
• µm eW©vi wi¯‹ (Cross Border Risk)
• †µwWU gv‡K©wUs (Credit Marketing):