Credit Policy MOU ADR -class-----MTA.pptx

WELL DONE

1. 1 RbZv e¨vsK Gi FY`vb bxwZgvjv ( Credit Policy of Janata Bank Limited )

2. Do we Know what is credit?

3. Formal Definition of credit? The word ‘Credit’ is derived from the Latin word ‘ credere ’. The word ‘ credere ’ means “ I TRUST YOU” Credit is a contractual agreement in which a borrower receives something of value now and agrees to repay the lender at some later date with consideration , generally with interest.

4. 4 mwVK FY`vb bxwZ ( Principles of Sound Lending )

5. 5 FYbxwZ : ‡`‡ ki A_©‰ bwZK Dbœq‡b ¯^ Kxq f‚wgKv cvjbmn myôz e¨vswKs Kvh ©µ‡ gi gva ¨‡g FYcÖevn e„w × I e¨vs‡Ki Kvh ©µ‡g mvgwMÖK MwZkxjZv Ae¨vnZ ivLvi D‡`¨‡k¨ FYbxwZ cÖYqb Kiv nq | e¨sK † Kv¤úvbx AvBb wkíbxwZ Avg`vbx-ißvbx bxwZ miKv‡ii Ab¨vb ¨ bxwZgvjv , miKvi I evsjv ‡`k e¨vs‡Ki wewfbœ mg‡q RvwiK …Z weÁwß e¨vsKmg ~‡ ni cÖPwjZ ixwZ-bxwZi Av‡jv‡K FY`vb bxwZgvjv cÖYqb Kiv nq

6. 6 FYbxwZi jÿ ¨ AwaKZi myôz I Kvh©Ki FY e¨e ¯’ vcbv MVb MÖnb‡hvM ¨ gvÎvq † UKmB gybvdv AR©b Z_¨ cÖhyw³ wfwËK FY e¨e ¯’ vcbv MVb FY Kg©cwiwa wefvRb I ` vwqZ ¡ e›Ub FY †Kw›`ª f‚ZKiY † iva e¨vs‡K GKwU Kvh©Ki Sz^wK e¨e ¯’ vcbv ms ¯‹… wZ M‡o † Zvjv AwaKZi myôz I Kvh©Ki FY e¨e ¯’ vcbv MVb FY eûgyLxKiY K… wlwfwËK wk‡íi cÖmvi

7. 7 hw`I mKj F‡YB wewfbœ gvÎvi Sz^wK m¤ú„³ _ v‡K , Z_vwc GB SzuwK b¨~ bZg gvÎvq ( minimize ) ivLvi wbwgË mwVK FY`vb bxwZ AbymiY Kiv DwPZ ‡ Kvb FY MÖnxZv KZ©„K AcÖZ¨vwkZfv‡e / we‡kl KviYekZ : FY cwi‡kva bv Kivi SuywK wbim‡bi j‡ÿ ¨ wb ‡¤œv³ welqmg ~‡ ni cÖwZ we‡kl jÿ ¨ ivLv cÖ‡qvRb : mwVK FY`vb bxwZ ev¯Íevq‡bi wbwgË we‡eP ¨ LvZmg~n : wbivcËv ( Safety) Zvij ¨ ( Liquidity ) F‡Yi cÖ‡qvRbxqZv ( Purpose of Loan)-amount, duration, source of repayment RvgvbZ ( Security/Collateral) jvf ( Profitability ) F‡Yi we¯Ívi ( Spread)-portfolio RvZxq ¯^v_© ( National Interest)

8. 8

9. 9 RbZv e¨vsK Gi FY`vb bxwZgvjv ( Credit Policy of Janata Bank Limited )

10. 10 e¨emv cwiPvjbvi wbwgË e¨vsK RbM‡Yi mwÂZ A_© AvgvbZ ¯^ iƒc msMÖn K‡i msM„nxZ AvgvbZ wewfbœ e¨w³ / cÖwZôvb‡K FY wn‡m‡e cÖ`vb K‡i _ v‡K cÖ`Ë FY e¨vs‡Ki g~j PvwjKv kw³ RbZv e¨vsK wjwg‡UW Gi cÖvq 200 Gi AwaK †µ wWU † cÖvWv ± i‡q‡Q e¨vsK RbM‡Yi mwÂZ A_© FY ¯^ iƒc e¨envi K‡i weavq GB A_© - mg‡qvc‡hvMx fv‡e , jvfRbK , cÖPwjZ I AMÖvwaKvi Lv‡Z weZiY A‡_©i m‡e©v”P wbivcËv weavb

11. 11 RbZv e¨vs‡Ki FYbxwZi wfwË : e¨vs‡Ki eZ©gvb Zvij ¨ cwiw ¯’ wZ F‡Yi ¸YMZ gvb gybvdvi jÿ¨gvÎv RvZxq I AvšÍR©vwZK A_©‰ bwZK Ae ¯’v evsjv ‡`k e¨vs‡Ki wb ‡`© kbv miKv‡ii Ab¨vb ¨ bxwZgvjv AvBb Kvbyb BZ¨vw`i mv‡_ mvgÁm ¨ † i‡L cÖwZ ermi e¨vs‡Ki e¨vs‡Ki FYbxwZ nvjbvMv ` Kiv n‡q _ v‡K |

12. 12 RbZv e¨vs‡Ki FYbxwZi jÿ ¨ : MÖnb‡hvM ¨ gvÎvq † UKmB gybvdv AR©b GKwU myôz I eûg~Lx †µ wWU † cvU ©‡ dvwjI MVb Z_¨ cÖhyw³ wfwËK FY e¨e ¯’ vcbv MVb FY Kg©cwiwa wefvRb I ` vwqZ ¡ e›Ub FY †Kw›`ª f‚ZKiY † iva Z_v FY eûgyLxKiY K… wlwfwËK wk‡íi cÖmvi Kvh©Ki † Ljvcx FY e¨e ¯’ vcbv Kiv KzwUi wkí , gvB ‡µv D‡`¨v³v I ÿz `ª D ‡`¨v³v‡`i AbyK ‚‡j FY e„w×KiY GmGgB Lv‡Zi weKvk , m¤úªmviY I kw³kvjxKiY cÖPwjZ Lv‡Zi mv‡_ mv‡_ bZzb Lv‡Z ißvwb m¤úªmviY

13. 13 ev‡mj -2 Ges ev‡mj -3 Gi wb ‡`© kbv c~Y©vsfv‡e ev¯Íevqb Kiv cwi‡ek SzuwK e¨e ¯’ vcbv Kiv ` vwi `ª we‡gvPb I Kg©ms ¯’ vb e„w×i j‡ÿ ¨ we‡kl we‡kl Kg©m~wPi Dci ¸ iæZ ¡ cª` vb cwi‡ek evÜe cÖK‡í A_© vq‡b DrmvwnZKiY MÖxY e¨vswKs cÖeZ©b Kiv I AbjvBb e¨vswKs ev¯Íevqb ` vwqZ¡kxjZvi mv‡_ e¨vs‡Ki m¤ú ` e¨venvi I m¤ú ‡`i ¸ bMZ e„w × Kiv fvj †µ wWU † iwUs m¤úbœ (b ¨~ bZg BBB ) MÖvnKMY‡K FY cÖ`vb / ewa©ZKi‡Y DrmvwnZKiY Ges Unrated MÖvnK ‡`i FY cÖ`v‡b wbiærmvwnZKiY 1.00 † KvwU ev Z`~a © As‡Ki FY MÖnxZv ‡`i †µ wWU † iwUs eva¨Zvg~jK Kiv I BBB bx‡P † iwUs m¤úbœ Unrated MÖvnK ‡`i 1.00 † KvwU ev Z`~a © As‡Ki FY cÖ`vb bv Kiv |

14. 14 FYbxwZ cÖYq‡b ¸ iæZ¡c~Y © welqmg~n

15. Adjusted Loan Growth fixed at 15% of Outstanding of 31 st December 2022 (67,687) Adjusted Loan Growth= Gross Loan- (Staff + Agri + Loan Govt. Guarantee+ SOD (JBLFO)+FF Loan )

16. Disbursement of CMSME 2023 is 50% of Adjusted Growth loan

17. Large Loan Concentration Limit Concentration Risk

18. 19 e ¨vs‡Ki FYbxwZ cÖYq‡b we‡eP ¨ welqmg~n : evwYwR¨fv‡e F‡Yi jvfRbKZv wbwðZKiY Av_© mvgvwRK Dbœq‡b mwµq Drmvn`vb , ` vwi `ª we‡gvPb I Kg©ms ¯’ vb e„w × FY gÄywi ÿgZv we‡K ›`ª xKiY FY mswkøó wbe©vnx /FY gÄyiKvwi Kg©KZ©v ‡`i ` vq -` vwqZ ¡ I Kg©cwiwa cyb:wba©viY FY gÄywi ÿgZvwewa -FY gÄywi / bevqb / ewa©ZKiY Kvh ©µg cwiPvjbv FYmxgv wba©viY ( Landing Cap ) FY cÖ¯Íve g~j¨vqb I SzuwK wbiæcb ( Credit Assessment & Risk Grading ) ‡µ wWU ev‡RU wba©viY I LvZIqvix e›Ub

19. 20 e„n`vsK FY gÄywi : cÖZ¨ÿ ( Funded) I c‡ivÿ ( Nonfunded ) FY e¨vs‡Ki ‡ gvU K¨vwcUvj Gi 10 % Gi AwaK n‡j Zv e„n`vsK FY wn‡m‡e we‡ewPZ n‡e | e¨vw³ / cÖwZôvb / MÖæc‡K cÖ ‡`q FYmxgv evsjv ‡`k e¨vsK Gi mv‡_ m¤úvw`Z MOU Abymi‡Y RbZv e¨vsK GKRb e¨vw³ / cÖwZôvb / MÖæc‡K cÖZ¨ÿ I c‡ivÿ FY wnmv‡e e¨vs‡Ki ‡ gvU K¨vwcUvj Gi 25 % Gi AwaK A_© cÖ`vb Ki‡Z cvi‡e bv | G † ÿ‡Î cÖZ¨ÿ FY ‡ gvU K¨vwcUvj Gi 15 % Gi AwaK n‡e bv AeKvVv‡gvMZ Dbœqb I M¨vm G·‡ cøv‡ik‡bi † ÿ‡Î cÖZ¨ÿ I c‡ivÿ FY ‡ gvU K¨vwcUvj Gi 25% cÖ`vb Kiv hv‡e Z‡e GLv‡bI cÖZ¨ÿ FY ‡ gvU K¨vwcUvj Gi 15 % Gi AwaK n‡e bv |

20. 21 e„n`vsK FY gwbUwis wmwÛ‡Kkb FY GgIBD cwicvjb FY- AvgvbZ AbycvZ ( Credit-Deposit Ratio ) cwicvjb - ALM ev‡mj -2 Ges ev‡mj -3 Gi wb ‡`© kbv ev¯Íevqb FY MÖnxZv wbe©vPb FY wnmve bevqb I cyb:ZdkxjKiY RvgvbZ MÖnb ‡µ wWU ev‡RU wba©viY I LvZIqvix e›Ub weZiYK …Z FY wnmve ch©v‡jvPbv AvMvg mZK©Zv ( SMA )

21. 22 FY cÖkvmb FY Av`vq NPL / ‡ Ljvcx FY e¨ve ¯ ’ vcbv ‡ µ wWU KwgwU , ‡µ wWU KwgwUi MVb cÖYvjx , ` vwqZ ¡ I KZ©e ¨, Kg©cwiwa FY †Kw›`ª f~ZKiY † iva I FYcÖevn eûgyLxKiY my`nvi wba©viY wbj ¤^b my` wnmvevqb G‡RwÝ e¨ve ¯’ vcb MÖvnK † iwUs FY AwaMÖnb bxwZgvjv

22. 23 FY MÖnxZv wbe©P‡bi † ÿ‡Î wewfbœ ‡ cÖÿvc‡U FY MÖnxZv‡K wePvi we‡kølY K‡i wm×všÍ wb‡Z n‡e | fv‡jv FY MÖnxZvi cÖavb ˆ ewkó n‡”Q : F‡Yi UvKvi myôz e¨envi Kivi mÿgZv mgqgZ my`mn F‡Yi UvKv cwi‡kva Kivi mw`”Qv _ vKv FY † Ljvcx bq FY cyb:Zdkxj /my` gIKzd K‡i bvB Fyvs‡Ki Zzjbvq cª`Ë mnRvgvb‡Zi cwigvb † ewk

23. 24 FY †` evi Av‡M we‡eP ¨ : ‡ Kvb e¨w³ / cÖwZôvb †K FY †`qv hv‡e ‡Kb FY cÖ‡qvRb KZ UvKv FY †`qv hv‡e ‡ Kvb cÖKvi FY †`qv hv‡e 5 Cs for borrower selection: Character Capital Condition Capacity Collateral

24. Thank You 25