CREDIT ADMINISTRATION

There are a number of guidelines for compliance with regard to Capital Adequacy, Income Recognition, Asset Classification and Provisioning Standards. Compliance of the new set of norms hinges around one key factor - How efficiently we manage our Assets and Liabilities.

Lending activity represents the heart of Commercial Banking as loans dominate our asset holdings and generate the largest share of operating income. Credit Administration includes three major functions:

• Business Development & Credit Appraisal
• Credit Sanction
• Review and follow up

It’s never too late to reinforce our strength in Appraisal and Effective Monitoring. Yes, we have to Return to Basics!