Table of Contents

Sl. Particulars Page No.

No.
1. Introduction 01
2. Deviation from the Policy 02
3. Credit Principles 02
4. Discouraged Business for Bank’s Finance 03
5. Global Credit Port-folio Limits 04
6. Credit Categories 05
7. Types of Credit Activities 08
8. Sectoral Outlook During 2006 10
9. Credit Risk Assessment 14`
10. Organizational Structure for Credit Operation 16
11. Segregation of Duties 16
12. Preparation / Processing of Credit Proposals 25
13. Valuation of Securities 27
14. Insurance Policy 28
15. Credit Monitoring 28
16. Responsibilities of Head of Branches 29
17. Role of Credit Committee 29
18. Credit facilities parameter 29
19. Credit Risk Grading System 31
20. Disbursement Process and Documentation 66
21. Early Alert System 67
22. Credit Recovery 69
23. Statement to be submitted to the Board / EC periodically 71
24. Periodic Review 72
25. Delegation of Powers 72