Classification Of Loan in Banking || Jahangir Alam

Summary of Loan Classification and provisioning: Unclassified: STD-0: No past due or overdue STD-1: 01 day to less than 01 Month STD-2: 01 month to less than 02 month SMA: 02 months to less than 03 months Classified: SS:03 months to less than 06 months DF:06 months to less than 12 months B/L: 12 months and above Category of Loans & Rate of provision: STD-0, STD-01, STD-02 & Off balance sheet exposure =1% SMA =5% SS =20% DF. =50% B/L. =100% Base for provision: Total Classified loan outstanding- Amount of interest suspense- Value of eligible Collateral security. In case of land & buildin mortgaged with bank , Minimum base for provision will be 15% BRPD Circular No.15 dated 27.11.2024