1.

INTRODUCTION
Risk is inherent in all aspects of commercial operation. However for Banks and Financial Institutions
Credit risk is an essential factor that needs to be managed. Credit risk is the possibility that a borrower
will fail to meet its obligation in accordance with agreed terms. Credit risk, therefore, arises from the
Bank’s dealings with or lending to corporate, individual and other Banks or financial institutions.

Credit risk management needs to be a robust process that enables Banks to proactively manage loan port-
folio in order to minimize losses and earns an acceptable level of return for Shareholders. Central to this
is a comprehensive IT system, which should have ability to capture all key customer data, risk
management and transaction information. Jamuna Bank Ltd. already has real time on-line Banking system
which enables to capture all key customer data. Given the fast changing dynamic global economy and the
increasing pressure of globalization, liberalization, consolidation and dis-intermediation, it is essential
that Banks have robust Credit risk management polices and procedures that are sensitive and responsive
to these changes.

Jamuna Bank Limited being a progressive and dynamic Private sector Bank having very successful and
proven track record should have a pragmatic Credit policy guidelines to efficiently and professionally
manage risks arising out of its Credit operation.

The purpose of this document is to improve risk management culture, establish minimum standard for
segregation of duties and responsibilities relating to Credit Operation of the Bank.

With a view to bringing about an effective risk management system in Credit operation of the Bank and
in compliance to the Directives/Guidelines of Bangladesh Bank given vide BRPD Circular No-17 dated
07.10.2003, the following policy and guidelines are framed. This policy replaces all previous ones, which
set out Credit policies of Jamuna Bank Limited.

Jamuna Bank Limited is a new generation Bank. It is committed to provide high quality financial
services/products to contribute to the growth of G.D.P. of the country through stimulating trade &
commerce, accelerating the pace of industrialization, boosting up export, creating employment
opportunity for the educated youth, poverty alleviation, raising standard of living of limited income group
and over all sustainable socio-economic development of the country.

In achieving the aforesaid objectives of the Bank, Credit Operation of the Bank is of paramount
importance. The greatest share of total revenue of the Bank is generated from it, maximum risk is
centered in it and even the very existence of Bank depends on prudent management of its Credit port-
folio. The failure of a commercial Bank is usually associated with the problems in Credit port-folio and is
less often the result of shrinkage in the value of other assets. As such, Credit port-folio not only features
dominant in the assets structure of the Bank, it is critically important to the success of the Bank also.

To provide a board guideline for the Credit Operation towards achieving the objectives of the Bank, for
efficient and profitable deployment of its mobilized resources and to administer the Credit port-folio in
the most efficient way, a clearly defined, well planned, comprehensive and appropriate Credit policy and
Control Guidelines of the Bank is a pre-requisite.

In view of the above, this Credit policy and Control Guidelines of the Bank has been prepared which is
subject to amendment, revision, re-adjustment and refinement from time to time at least once annually
duly approved by the Board of the Bank as may be warranted by the change of circumstances due to
passage of time to suit the requirement of the Bank.

This Policy guidelines is meant for business related credit operation of the Bank.
 2. DEVIATION FROM THE POLICY

Any deviation from the approved policy in case of any credit proposal in any respect shall be clearly
identified and mentioned in the credit proposal with proper justification for approval of the approving
authority.

Any Credit proposal that does not comply with the Credit policy/ Lending Guidelines in any respect
regardless of the amount should be referred to Head office for consideration.

3. CREDIT PRINCIPLES

i. The Bank shall provide suitable credit services and products for the market in which it operates.
Product innovation shall be a continuous process.

ii. Loans and advances shall normally be financed from customers deposit and not out of temporary
fund or borrowing from money market.

iii. Credit facilities shall be allowed in a manner so that credit expansion goes on ensuring quality i.e.
no compromise with the Bank’s standard of excellence. Credit is extended to customers who will
complement such standards.

iv. All credit extension must comply with the requirements of Bank’s Memorandum and Articles of
Association, Bank companies Act as amended from time to time, Bangladesh Bank’s instructions
Circulars, Guidelines and other applicable laws, rules and regulations.

v. The conduct of the loan portfolio should contribute, within defined risk limitation, to the
achievement of profitable growth and superior return on the Bank’s capital.

vi. Credit advancement shall focus on the development and enhancement of customer’s relationship
and shall be measured on the basis of the total yield for each relationship with a customer (on the
global basis), though individual transactions should also be profitable.

vii. Credit facilities will be extended to those companies/persons, which can make best use of the
facility thus helping maximize our profit as well as economic growth of the country. To ensure
achievement of this objective lending decision shall be based mainly on the borrower’s ability to
repay.

viii. Diversification: The portfolio shall be well diversified sector wise, Industry wise, geographical
area wise, maturity wise, size wise, mode wise, purpose wise. Concentration of credit shall be
carefully avoided to minimize risk.

ix. Remunerative: If Credit facilities are granted on a transaction/one-off basis, the yield from the
facility should be commensurate with the risk.

x. Loan pricing: Loan pricing shall depend on the level of risk and type of securities offered. Rate of
interest is the reflection of risk in the Transaction. The higher the risk, the higher is pricing. Interest
rate may be revised from time to time in view of the change in the cost of Fund and market
condition. Effective yield can be enhanced by requiring the customer to maintain deposit to support
borrowing activities. Yield may be further improved by realizing Management fee, Commitment
fee, service charge etc where possible.

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 xi. Proper staffing: Proper analysis of Credit proposal is complex and required high level of
numerical as well as analytical ability and common sense. To ensure effective understanding of the
concept and thus to make the overall credit port-folio of the Bank healthy, proper staffing shall be
made through placement of qualified officials having appropriate background, who have got the
right aptitude, formal training in Credit Risk Analysis, Bank’s credit procedures as well as required
experience.

4.0 DISCOURAGED BUSINESSES FOR BANK’S

FINANCE

In view of legal aspect, business risk and banking ethics following business are on discouraged list for
Bank’s finance:

1. Military Equipment/Weapons Finance

2. Highly Leveraged Transactions
3. Finance of Speculative Investments
4. Logging, Mineral Extraction/Mining, or other activity that is Ethically or Environmentally
Sensitive
5. Lending to companies listed on CIB black list or known defaulters
6. Counter-parties in countries subject to UN sanctions
7. Share Lending
8. Taking an Equity Stake in Borrowers
9. Lending to Holding Companies
10. Bridge Loans relying on equity/debt issuance as a source of repayment.
11. Lending to a business enterprise where the loan cannot be repaid within a reasonable period
except by borrowing elsewhere or by liquidating business.
12. Loans to parties whose integrity is questionable.
13. Loans secured by stock that has no ready market.
14. Loans to business whose equity is substantially financed by Preference Shares.
15. Any other type which Bank may identify as discouraged from time to time.

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 5.0 GLOBAL CREDIT PORTFOLIO LIMITS

The Credit portfolio shall be governed by the guidelines set down by Head Office in the light of
regulatory requirements. These guidelines will however consist of the global limits identified below for
the Bank’s credit portfolio in aggregate:

I. Total Facilities:

The aggregate of all cash facilities shall not generally exceed 80% of customer deposits of the Bank.
It is further governed by the statutory and liquidity reserve requirement of Bangladesh Bank as
revised from time to time.

II. Term Facilities:

Aggregate Long Term business loan facilities shall not exceed 20% of the total credit portfolio.
Facilities shall not be allowed for a period exceeding 5(five) years. Any exceptions will require the
approval of the Board of Directors.

III. Country /Cross border Exposure:

(a) While taking cross border exposure political and sovereign risk shall be examined and considered.

(b) Currency Risk

 Non convertibility
 Restriction against Transferring Foreign Currency abroad.
 Local Currency devaluation.

(c) Expatriation
 Restriction against transferring profit aboard.

(d) Charge in Laws

 Charge in Taxes.
 Charge in Custom duties.
 Charge in regulations and deregulations.

(e) Expropriation
 Acquisition of assets by the host Government in a discriminatory way without compensation.

(f) In this respect sanction of United Nations Organization and embargo imposed by our Government
shall be strictly complied and adhered to.
(g) Limits to be established by the Board for individual Country as well as & for aggregate Bank
Credit exposures to different countries. These limits are to be reviewed from time to time with
due regard to the political and economic environment in each country. The country exposure
limits may be utilized up to maximum amounts for different maturities as follows:
For maturities up to one year: 100% of the limit
For maturities up to two years: maximum 50% of the limit
For maturities up to three years: maximum 25% of the limit
For maturities beyond three years: maximum 10% of the limit
For exceptions, approval is required from the Board of Directors.
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IV. Exposure to Customer Groups:

Credit facilities in aggregate extended to any one customer group shall not exceed 35% of the Capital
Fund which may be up to 50% of capital fund for export oriented business or as prescribed
Bangladesh Bank from time to time. All proposals submitted to Head Office will also be required to
indicate the extent of the Bank's global exposure to that customer group. Funded facility to any
customer/ group shall not exceed 15% of capital fund.
V. Unsecured Facilities:

Aggregate Bank advances to corporate or individual customers (i.e. other than government or
parastatal organizations) which are not secured by collateral and are allowed on the strength of
customer's personal integrity and financial standing or the corporate customer's balance sheet, with or
without hypothecation of stock shall not exceed 30% of the total credit portfolio.
For the unsecured credit facilities extended to a business dominated by one or two individuals, the
Bank shall insist on taking Life Insurance Policies by the principals which is sufficient to repay the
loan in the event of death or injury of anyone key individual. The policy to be assigned to the Bank
and the premium to be paid by the customer through the Bank under suitable arrangement.

VI. Name Lending :

The Bank shall carefully avoid name Lending. Lending facility shall be allowed on business
consideration only duly and professionally analyzing viability of business, assessment of credit
requirement, security offered, cash flow and risk level.
VII. Sector-wise Allocation :

Sector-wise and Industry wise allocation of credit shall be made annually with the approval of
Executive Committee/Board of Directors. This will be reviewed from time to time if warranted to
adjust it with changed circumstances/ scenario.

VIII. Security:
Security accepted against credit facilities shall be properly valued and shall be effected and perfected
in accordance with the laws of the country. An appropriate margin of security will be taken to reflect
such factors as the disposal costs or potential price movements of the underlying assets.

6.0 CREDIT CATEGORIES

As initiated by Bangladesh Bank vide BCD Circular No. 33 dated 16-11-89 different kinds of lending
were subdivided into 11 categories w.e.f. 01-01-90 which was subsequently reduced to 9 vide BCD
Circular No. 23 dated 09-10-93 and again to 7 sectors vide BCD Circular No.8 dated 25.04.94 for fixation
of rates of interest by the individual banks on competitive basis depending on the cost of Funds,
prevailing market condition and monetary trend of the country.
Loan and advances have primarily been divided into two major groups:

a) Fixed term loan: These are the advances made by the Bank with fixed repayment schedules. The term
of loan are defined as follows:
Short term : Up to 12 months
Medium term : More than 12 and up to 36 months
Long Term : More than 36 months

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b) Continuing credits: These are the advances having no fixed repayment schedule, but have an expiry
date at which it is renewable on satisfactory performance.
Further all categories of loans are accommodated under the 7 sectors as under:

I. Agriculture:

Credit facilities to the agricultural sector falls under this category. It is subdivided into two major heads:

a) Loans to primary producers: This sector of agricultural financing refers to the credit facilities
allowed to production units engaged in farming, fishing, forestry or livestock.
Loans to processors or traders of agricultural products are not to be categories as agricultural loans.
Loans to tea gardens for production are treated as agricultural loan, but loans to tea gardens for
export should be treated under the category "Export Credit". Similarly medium and long-term loans
to tea gardens are categorized as industrial term lending.
b) Loans to input dealers/distributors: It refers to the financing allowed to input dealers and (or)
distributors in the agricultural sectors.
Agricultural loans may include short, medium and long fixed term loans as well as continuing credits.
As such, it may fall under the head "Loan (Gen)/Hire-Purchase/Lease Financing".

II. Term Loan for Large & Medium Scale Industry (“Large Industry” is defined to include all
industrial enterprises whose total fixed cost / replacement cost excluding land and factory building is
over Tk. 100 million. Medium Industry is defined to include all industrial enterprises whose total
fixed cost/ replacement cost excluding value of land and factory building is between Tk.15 million to
Tk. 100 million.)

This category of advances accommodate the medium and long term financing for acquiring capital
machinery of new Industries or for BMRE of the existing units who are engaged in manufacturing
goods and services.
Term Financing to tea gardens may also be included in this category depending on the nature and
size.
As the financing under this category have fixed repayment schedule it falls under the head "Loan
(Gen)/Hire-Purchase/Lease Financing".

III. Term Loans to Small & Cottage Industries: (“Small Industry” will mean enterprises whose total
fixed cost / replacement cost excluding land and factory building is not more than 15 million.)

No short term or continuing credits are to be included in this category. Medium & Long term credits
are also included under this category.

Like the Large & Medium Scale Industry it is also allowed in the form of "Loan (Gen)/Hire -
Purchase/Lease Financing".

IV. Working Capital:

Loans allowed to the manufacturing units to meet their working capital requirements, irrespective of
their size - big, medium or small, fall under the category.

These are usually continuing credits and as such fall under the head "Cash Credit"

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V. Export Credit:

Credit facilities allowed to facilitate export of all items against Letter of Credit and/or confirmed
export orders fall under this category. It is accommodated under the heads "Export Cash Credit
(ECC)", Packing Credit (PC), Foreign Documentary Bills Purchased (FDBP), Local Export Bills
Purchased etc. However, bills discounted / purchased against supply of goods and services to
companies / industries which are located in the country and not involved in export / deemed export
shall not fall under export credit.

VI. Commercial Lending:

Short term loans and continuing credits allowed for commercial purposes other than exports fall
under this category. It includes import financing, financing for internal trade, service establishment,
etc. No medium and long term loans are accommodated here. This category of advances are allowed
in the form of (I) Loan against imported merchandise (LlM), (ii) Loan against trust receipt (LTR),
(iii) Payment against import documents (PAD), (iv) Secured Overdrafts (SOD), (v) Cash Credit (CC),
(vi) Loan (Gen), etc. for commercial purposes.

VII. Others :

Any loan that does not fall in any of the above categories is considered under the category "Others". It
includes loan to (I) transport equipments, (ii) construction works including housing
(commercial/residential), (iii) work order finance, (iv) personal loans, etc.

VIII. SME Financing:

Bangladesh Bank vide BRPD Circular No. 07 dated 03.11.2004 has given prudential regulatory
guidelines for Small Enterprise Financing.

The role of Small and Medium Enterprise is very crucial in the economic development of the county.
Jamuna Bank Limited has separate SME Financing Scheme duly approved by the Board. There are
several products, modalities and loan ceiling for SME financing. SME Cell within Corporate Division
handles SME loans.

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 7.0 TYPES OF CREDIT ACTIVITIES

Depending on the various nature of financing, all the lending activities have been brought under the
following major heads:

I. Loan (General) :
Short term, Medium term & Long term loans allowed to individual/firm/industries for a specific
purpose but for a definite period and generally repayable by installments fall under this head.
This type of lending are mainly allowed to accommodate financing under the categories (I) Large
& Medium Scale Industry and (ii) Small & Cottage Industry. Very often term financing for (I)
Agriculture & (ii) Others are also included here.

II. Loan (General) :House Building Loan (General):

Loans allowed to individual/enterprises for construction of house (residential or commercial) fall

under this type of advance. The amount is repayable by monthly installment within a specified
period. Such advances are know as Loan (HBL-GEN).

III. House Building Loan (Staff) :

Loans allowed to our Bank employees for purchase/construction of house shall be known as Staff
Loan (HBL-STAFF).

IV. Other Loans to Staff :

Loans allowed to employees other than for House Building shall be grouped under head - Staff
Loan (Gen).

V. Cash Credit (Hypo.):

Advances allowed to individual/firm for trading as well as wholesale purpose or to industries to
meet up the working capital requirements against hypothecation of goods as primary security fall
under this type of lending. It is a continuous credit. It is allowed under the categories (I)
"Commercial Lending" when the customer is other than a industry and (ii) "Working Capital"
when the customer is an industry.

VI. Cash Credit (Pledge) :

Financial accommodations to individual/firms for trading as well as for whole-sale or to

industries as working capital against pledge of goods as primary security fall under this head of
advance. It is also a continuous credit and like the above allowed under the categories (i)
"Commercial Lending" and (ii) Working Capital".
VII. Hire Purchase

Hire-Purchase is a type of installment credit under which the Hire-Purchaser agrees to take the
goods on hire at a stated rental, which is inclusive of the repayment of Principal as well as interest
for adjustment of the loan within a specified period.

VIII. Lease Financing:

Lease Financing is one of the most convenient sources of acquiring capital machinery and
equipment whereby a client is given the opportunity to have an exclusive right to use an asset
usually for an agreed period of time against payment of rent. It is a term financing repayable by
installment.

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 IX. Time Loan :
This is one time financial accommodation for short period maximum 12 months to meet some
specific purpose. The loan is adjustable within the validity and not renewable and no transaction
is allowed.
X. Consumers Credit Scheme :

It is a special credit scheme of the Bank to finance purchase of consumers' durable to the fixed
income group to raise their standard of living. The loans are allowed on soft terms against
personal guarantee and deposit of specified percentage of equity by the customers. The loan is
repayable by monthly installment within a fixed period.

XI. SOD (General) :

Advances allowed to individual/firms against financial obligation (i.e. lien on FDR/PSP/

BSP/Insurance Policy/Share etc). This may or may not be a continuous Credit.

XII. SOD (Others):

Advances allowed against assignment of work order for execution of contractual works falls
under this head. This advance is generally allowed for a definite period and specific purpose i.e. it
is not a continuous credit. It falls under the category "Others".

XIII. SOD (Export) :

Advance allowed for purchasing foreign currency for payment against L/Cs (Back to Back)
where the exports do not materialize before the date of import payment. This is also an advance
for temporary period which is known as export finance and falls under the category "Commercial
Lending".

XIV. PAD:

Payment made by the Bank against lodgment of shipping documents of goods imported through
L/C falls under this head. It is an interim advance connected with import and is generally
liquidated against payments usually made by the party for retirement of the documents for release
of imported goods from the customs authority. It falls under the category "Commercial Lending".

XV. LlM :

Advances allowed for retirement of shipping documents and release of goods imported through
L/C taking effective control over the goods by pledge in godowns under Bank's lock & key fall
under this type of advance. This is also a temporary advance connected with import which is
known as post-import finance and falls under the category "Commercial Lending".

XVI. LTR:
Advance allowed for retirement of shipping documents and release of goods imported through
LC falls under this head. The goods are handed over to the importer under trust with the
arrangement that sale proceeds should be deposited to liquidate the advances within a given
period. This is also a temporary advance connected with import and known as post-import
finance and falls under the category "Commercial Lending".

XVII. IBP:
Payment made through purchase of inland bills/cheques to meet urgent requirement of the

9
 customer falls under this type of credit facility. This temporary advance is adjustable from the
proceeds of bills/cheques purchased for collection. It falls under the category "Commercial
Lending".

XVIII. Export Cash Credit (ECC) :

Financial accommodation allowed to a customer for exports of goods falls under this head and is
categorized as "Export Credit". The advances must be liquidated out of export proceeds within
180 days.

XIX. Packing Credit (P.C.) :

Advance allowed to a customer against specific L/C/firm contract for processing/packing of

goods to be exported falls under this head and is categorized as "Packing Credit". The advances
must be adjusted from proceeds of the relevant exports within 180 days. It falls under the
category "Export Credit".

XX. F D B P :

Payment made to a customer through purchase/negotiation of a Foreign documentary bills falls

under this head. This temporary advance is adjustable from the proceeds of the shipping/export
documents. It falls under the category "Export Credit".

XXI. IDBP :

Payment made against documents representing sell of goods to Local export oriented industries
which are deemed as exports and which are denominated in Local Currency / Foreign Currency
falls under this head. This temporary liability is adjustable from proceeds of the Bill.

XXII. F B P :

Payment made to a customer through Purchase or Foreign Currency Cheques/Drafts falls under
this head. This temporary advance is adjustable from the proceeds of the cheque/draft.

8.0 SECTORAL OUTLOOK DURING

2006

1. The gap between export and import of our Bank is very big i.e. import is almost double of export.
We need foreign Exchange for payment of Foreign L/C. Bangladesh Bank has given guidelines to
keep volume of import within available Forex resources of respective Bank. As such for
increasing our volume of import we need generation of Forex. Inward foreign remittance in our
Bank still very limited. Export of RMG constitutes approximately 70% of total export of the
country. RMG export finance gives multifarious income to the Bank as such we shall focus on
enhancing RMG import of selected and good performing customers during the year 2006.

2. Now, banking is very competitive. Scope of advance is also going to be narrower day by day. As
the economy is not expanding in line with the increased no. of bank branches different banks are

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 chasing after same corporate customer. In this circumstances corporate customer are taking the
chance of offering minimum interest on Loans and almost no security. In view of the
circumstances, we should diversify our credit portfolio and focus on SME financing. During 2006
we shall focus on SME finance. Accordingly, we should develop different SME products.

3. We shall focus on retail credit because scope of earning is high. Moreover, as the loan amount is
small risk of default is also small. If the loans can be properly structured and securitised the risk
of default shall be minimum.

4. We shall focus on purchase of bills against local L/Cs issued by reputed schedule banks.

5. We shall focus on Lease financing for BMRE / Equipment purchase for reputed groups /
customers.

6. During 2006 we shall also focus on trade finance (foreign and local) on selective basis
considering financial strength, past performance, reputation and marketing ability of the
customers.

7. We shall also focus on Agro based and Agro-processing sectors.

8. We shall launch factoring as a new lending product during the year 2006.

9. We shall also focus on spinning and back-ward linkage industries on a very selective basis.

10. We shall focus on health sector, education sector and iron and steel sector which seems to be
booming during the year 2006.

11. We shall also focus on telecommunication sector and real estate development sector (developers)
on a very selective basis.

12. We shall focus on contractor financing and also guarantee business against counter guarantee of
foreign banks.

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Sector-wise Portfolio Analysis and Budget 2006
Figure in Lac Taka
  Sector 2004 % of 2005 % of Growth Budget Growth
Total Total over 2006 over
2005 2006
1 Ready Made Garments 3116.73 4.64% 8501.20 6.73% 172.76% 11500.00 35.28%
(Knit, Woven , Sweater)
2 Garments Accessories 1339.91 1.99% 4256.67 3.37% 217.68% 5000.00 17.46%
(Hanger, Poly bag ,
Packaging ,Zipper etc)
3 Spinning/ Textile/ Home 1214.91 1.81% 5092.67 4.03% 319.18% 6000.00 17.82%
Textile/Dyeing etc.
4 Plastic Products 569.06 0.85% 1558.19 1.23% 173.82% 1500.00 -3.73%
5 Tiles, Ceramic, Marble, 277.17 0.41% 445.51 0.35% 60.73% 1000.00 124.46%
Sanitary etc
6 Salt & Minerals 318.76 0.47% 424.33 0.34% 33.12% 600.00 41.40%
7 Cosmetics & Toiletries 531.75 0.79% 1468.44 1.16% 176.15% 1500.00 2.15%
8 Import Trade Finance 4824.95 7.18% 14480.96 11.47% 200.13% 20000.00 38.11%
9 Local Trade Finance 13384.15 19.91% 14543.64 11.52% 8.66% 20000.00 37.52%
10 Agriculture (Including 362.19 0.54% 383.03 0.30% 5.75% 500.00 30.54%
Fishing, Poultry , Dairy,
Feed,)
11 Agro Processing 1486.08 2.21% 3042.76 2.41% 104.75% 3500.00 15.03%
12 Thai Aluminum 71.94 0.11% 138.65 0.11% 92.73% - -100.00%
13 Brick Manufacturing 82.02 0.12% 580.76 0.46% 608.07% 1000.00 72.19%
14 Shipping - - 84.72 0.07% - - -100.00%
15 Ship Breaking 2298.80 3.42% 2226.07 1.76% -3.16% 2500.00 12.31%
16 Pharmaceuticals 408.30 0.61% 699.17 0.55% 71.24% 2000.00 186.05%
17 Edible Oil 2835.39 4.22% 1879.27 1.49% -33.72% 2000.00 6.42%
18 Educational Institute 201.81 0.30% 218.88 0.17% 8.46% 500.00 128.44%
19 Cement 359.79 0.54% 941.69 0.75% 161.73% 1000.00 6.19%
20 Telecommunication - - - - - 2,500.00 -
21 Glass - - - - - - -
22 Fertilizer 7.88 0.01% 12.79 0.01% 62.27% 1500.00 11630.97%
23 Tobacco - - - - - - -
24 Transport/ Vehicles 1999.18 2.97% 3157.03 2.50% 57.92% 3800.00 20.37%
25 Steel/ Iron 9023.37 13.42% 12062.45 9.56% 33.68% 15000.00 24.35%
26 Electrical/ Electronics 113.71 0.17% 270.25 0.21% 137.67% 1000.00 270.02%
27 Diagnostic / Medical/ 630.50 0.94% 2143.25 1.70% 239.93% 2500.00 16.65%
Hospital.

28 Housing (Residential, 2336.24 3.48% 3654.15 2.89% 56.41% 4500.00 23.15%

Commercial)

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29 Contractor Finance 2823.64 4.20% 5165.23 4.09% 82.93% 6000.00 16.16%
30 Leather 19.33 0.03% - - -100.00% - -
31 NBFI 1598.60 2.38% 2544.64 2.02% 59.18% 3500.00 37.54%
32 Consumer Credit 786.60 1.17% 691.96 0.55% -12.03% 1100.00 58.97%
33 Loan For women 54.37 0.08% 747.56 0.59% 1274.95% 1000.00 33.77%
34 Shop Finance 189.41 0.28% 62.81 0.05% -66.84% 2,000.00 3084.04%
35 Employees Loan 7.08 0.01% 256.37 0.20% 3521.09% 400.00 56.02%
36 SOD (Shares) 74.47 0.11% 1074.59 0.85% 1342.98% 100.00 -90.69%
37 SOD (FDR) 5419.48 8.06% 23237.91 18.41% 328.78% 25000.00 7.58%
38 SME 582.00 0.87% 661.69 0.52% 13.69% 2000.00 202.25%
39 Others 5874.43 8.74% 7515.08 5.95% 27.93% 8000.00 6.45%
  Total 67,228.00 100.00% 126,229.36 100.00% 87.76% 160,000.00 26.75%

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