Kuk 7 oko kihe gan erpean o

dat Ruk)
h linuidiy Risk Chanakional. Riok) Oete

arks &nchang Kate Riok Tanelakie kiok-

ranaaahin Risk alRik)
Cory hok
kenet Rata Riak).Keaky Rik Product R
. Sdankiy Mantowt liak Hu Risuns Rik Capital Ri
frign4
Cemtint Riok
Straba
nadut Rik Bank oduus ma ne oduck to
hee he ngyinenent
ehhe cuabermiis , uree e
ha ineu
epenwsJcest. s_heraibde hat all bubu prd
prdut
dbeducad y be lank may uccead,uAck l
Ánpook e pugitabily h_sank
Marpewer Riok-.Baxka hax o prdsrly _panf
Naind manpnre to hardla buaineo e t
Manpoue mar kess s mee_as CzrpaA o &uan
handled hi bauk
Hwan Resawe Risk- ank_ma incaaw a ls due b
ineiiot menbtb t due o laausda Grmuted
A whtsa

Let McLR be x'

1S o.o4)t 581 xo. Fx0125)+(381x o .3xo. 16)

+(1380 x 0. 4o xa)+/%80x o. |o x(a to. 02)+
(38 0x o5x(x +0o5)1
1380 x 82.6

(6ox O.12) +(}9%o o)+34 xo.5x0.5) + (1931 X0.2soá

931x3xo 09) +I3IL30Sx 0 / o (92x0.6 x o. 04)+
(12 x o.46 30-1 238.98
 bvead 1380 t 182.6)- (238.38) Page No.:
youvA
380 S6.3 Dato

dprend 380 S6.3 b . 045 BaK

hanolled
COIS> 16tal bwainess

3.91 (MCLR)

Cahilal Adaaue Rabio

t r withota
Bank' copital rap to bhe abilly 4 he ank
ro Lwo dun o kiok expenes.
kakio whisn b bako in India ane
Aminm u atal Adaauay
RBI
nequiedto mel at_all tines o oet al I} by
dit Rk
Markol Risk
CAR- apital e k x /gD
shostimal Riek.
Nbk ubiystd Aoeo

_Cahih xlO0
Credit Rk+ MaRik t tp Rek

Subedinattd Debt -ig rslernad a suerdinate eco e dest

(nder) hae aubsdinale statue in nelahismobi t v
beiceu
ngunal debb.
When e dobtoa e a meke kan uredito,and u válue _

Ros unainin-upieient to ay all_labilibo at he time e

DO

akuidahen kankerikoy Ahen b perdunu o aubotdirati

-m ancrease
Remaimng Maburuby o ebt Dis ceunt

72h &K3yra 6o
73 s k S7 40
74 y Sa
assels
ass e6 a t
ac
Kaxaluabi Resets ehen h e ontk xusuee

ernigdii interwnlk k nds kat_wn olu asela

hyher in wnua)
( asaed held
 Pev RBquddines only +57 Kevalal
ReslnRa
Comaidined a eii b pi Gjitad Page No:
Dato.

CAR Fem be coulakien e_CAR i s

Sankl 1.247. As dhem, it can b oeed
5.9 hat
Bank io sin a bele peoh a s st
Auv beko.
Sinteank 2 3 are n abe to anlain CAR e3
Lerdito that hese oo bank ane p d a ate

li Te 2 aul Mte oelers]

Yrovwtei
siaiin
A d und der-
0.2-5%
Aus Atddoela10
Lwed beyA=20
Unaacued
mew - 10D%
decwmed S0.
Uaewhed

he xel_caues Problen loans

1 uN Kno (ha behwe k
uo buartss.
Ccadk Apaisd

6hde &rah Baoie Landig lainuiples.

6La el adeaud lew atn l
ditsuaumont
ttn d a dekunakii
 loan tuhn int a rbleun L a a
8 The ma ecenemne Page No.:

d u e tv gonral
3 anty pate
YouVA

ond"uuick e u h n uder he cntrel

PoY- o v i d
ba bark

fandenic.
9 Anether aason
Ceuld be malihivd
intenotana b m h e park
ernewe hau
4 loan danedienir o s I n seme Caseo e
brbe t i , A s n

klaned bike/ ick-aek to the lanchioing hn

a
to
gek b e
rok ebgi ble r thot loa
loar anthmmed, althogh be_berkeen
iens _ailade wlh he bark

Keblen Area Aoesen

kimsoal_lerd" 1
Patbom wuta Restructne
Mansgnnl'gpalily aan be cwcted Jtrary s0hc- collateral
lolaal qpalib
Preblen onLA
wWesk
A2Retoikt E ait
2adusty utiok Can't be
cemade 7stwr

shald
Nete Wen a ank is perd_wh prdeyn koans,
Bnk's lon
addk o Reaiol achtm_which will a ubjeted ts
dept opaienk he gmk b Bank
Remedias Achem MAy AU ulo
1kednuactune doun 2eit e ladenoht
bk ie
he dainerm aloo dlthands upen th lual pa d
e

whether e Bank wl be.ae to 1tow khelon a t by akg

ruk Jes: he lawy
leaal acken againt e boraw in b i
fano the bak will o

ewuby_dounen kxecuted by the bouhewe belota dwbursover

le lan,_which ane avaable i t be bark A unaggest
de e
shethe e galpeo isrms eak
akow pow han can ee adehted b daal
t h prtlm loe
akae
Abdetmie precpulb ul ecew
t nalase a inkteneal sate wllinnlae he incer f o

Wding oke laan , henu a huaher inbesesl eaumig. Moweve-

nt.paid
rll be
ped Take abiu aklie ame as
Mee, hs aoad url inneaaa Page No.:

ouv
The loan olicy Laidl den by the to gmt s
a k , i l dasls wnh
A2 Cadit Aaaeld tha e r m u e r in
which sardarda ane

N Delogatie epeut aanchen te Loons

Erpe levels n dne adepoi a botneuts uas
induby
nduet.,

iPrining ea
Atandassaating _donntahion tp k oklauad rem the
berserwes belore 'disburement q lsan
) Aandards klaked to suies nanutsl adwanOA[Lears
LOan feia doc e a dawnent thal caneby apa.ce
due dm tde dancherirg an
Loan pherala
Loan pupaaludiler nddy no each olhn, hus at
bea edk mutkoledey eephing ejehng the l
ohol, nakend the guidolinea
h deesien makes thm
ake efarnat_deäaisn
1g Bankig
Retail Cemmeruel nvusbnet Mcha eaheralr
Deeapurent
7 Reai Man Balin
Connl To iela achwubies em Prd to Corsurldnon
Jnnerkment HNIA
Menchark IPOp., MkA.
Conppnk ovatsa Kequ rtnnk 710 a TwR)
NABARD
Denlepme 1FC, STNBI
3 mo Ag
Thdetstad
xLM Tnde Serriceu

Finan eial stakemenat Analy Ba

A Asaela L Lauldibye
MAnalmb S bemo crels
M 0
 CAMELS Ratin
all nea t eltd
elnsAU
Pag Mo
YouVA
oat
ele enenual Bank in ndion ton

Th bennen an expanker A bwupra ik invdns esport jrance,

4
wid igaaned y RBT 2udelines
Mercaes epeatkiaAe cms wdes ienibyactor lendirg
The8Saeals ellouiq poen
2 emanibiverust g beth he year lht bal alks hane
ncKAAedd

accedirq , te sro

hat netained o much au <1 39 lakh in the buanayhus

tn u subslankial irmtment in d sktrarth.
Connk Rakis ka detesierated hem 2.IS to 1.21:
becAuae ak_Bereug
h a h a n i a l indacators me guil aennsde k uihin aup
He AnsL. MeLdeua be sepot htained hem e tuiet _
Laken Rently akianckesg
Th m ha Aeciud expel okdes o 4 2 7 ao hiih -
ma hunnng6ad Heuuen, the ipertes auus
a s t herind Jo da bem daka. 4hamenk Merca, thi
Lxpk i e ackd a ltus 4 cnndil a d 4mperlis
bk tuce, he bamk Capeoa a hsse k
inb anideakien e akove foin, t kark may sanckien
Takig
imi u i n d by te orter auljet to pedleuuir
wrdtbnu
T hhonna sheula munlaun 25 mamin a t n d limik
e bohet must thtain poli homm LG¢.
The benatr wnleb inb a awaAd cena& w te Ba
to iniumie impak exchauge nati lucbaien nik
e n n t eugnnunt shewlu be shipl ay aer . ake
aLcelonu e bue.
v1h pesil se boaroutu pbidiry_addihena suly
sherud be odady heueue, te hepeal
Ahond nt be witheld deayd meal u n elalesal
li
 hene
Can'
, hu iailty
be delessd. 0 5 J a o j a as a
JuasAmko Ammtei'ate «

Hene, Ahe coktenttens Aaiaed by M. Jaouja wil nst |PageNo.

ouvA
hdo o d x he o iable to make paymet o m Balk.

1 Apprais ol ktoge 2>Dwbunstmanl AagL

3Merueing Aog
a 7 Aock hoketen
Intenaction wit behneue
cDetet preblons at eanly stoq
pose l u s
4) Reparent dtaga 5 Review dtyt ehned Wmi
Redukien ik
-Tinnie t e ipac cadil sisk, be ark rrusl ha

eydatiad Lrdt poluy in lae wish will includa vasioua.

ated Jending
aentrakion lkims er a aingla bornetn/grop
Max exkoune imils to apandculas ndusty as a hela_
Benchmanking ellewirj kakio
em

Curu Rakio Delt ftoéyuity Roatir cPfitsbiliby Reki

to
dl lovenage Radio e)Provutn tp Ha zubilib
Dobt denica
allew vauahiono in Aeped seuol Leatuaea
to be ckained to eack type doan