e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept...
Transcript of e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept...
![Page 1: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/1.jpg)
Ǐƺ ƔƥljƑƾǁƐ:
ƔƥƐƣǕƐ ƧǂƜDŽ ƧǐƏƥ ƤƑƗƨǓƐ ƣǐƨǁƐ
ÛÛÛ ƣƴƓNj ƕƓǐƯ ƕǐƟƗ ơـــǐƥƑƗƓ ƔƣـƾƴdžDŽǁƐ LjƗـƨǂƜƓ ƣـDŽƗƳƐ ƣƽ ǎƥƬDŽǁƐ ǎƦǀƥDŽǁƐ ƿdžƓǁƐ ƔƥƐƣƋ ƧǂƜDŽ Džأ ǏǁƋ ƥǐƪأ Džأ ƣNjأ čď NjǐƑDŽ čċċĐ DŽǁƐ DžǐNjǀƗNj ƅǘDŽƴǂǁ ƕǐdžƑDŽƗƏǗƐ ƔƥƐƣƜǁƐ ǃǐǐƾƗ ƧـƨƉƓ ƼǂƴƗƗ ǏƗǁƐ ƕƾƺƐƥDŽǁƐ ƣƳƐNjƾǁƐ ƖƑƬƬƢ
ǃƑـƳ ǎƥـƬDŽǁƐ ǎƦـǀƥDŽǁƐ ƿdžƓǁƐ DžƳ ƔƥƣƑƬǁƐ ƖƑƬƬƢDŽǁƐ DžǐNjǀƗNj üNjƬǓƐ ƹǐdžƬƗ ƧـƨǓ ŷǘǐƣƓ ƣƴƗ ǏƗǁƐČĔĔČ ǃƽƥ ǎƥNjƣǁƐ بƑƗǀǂǁ ƑƾƺNj ĎčČ ċ
ǃǐـǐƾƗǁ ƕǐǂƢƐƣǁƐ ƑNJDŽưdž ƕƴƜƐƥDŽƓ ƿNjdžƓǁƐ ǃƐƦƗǁƐ ƔƥNjƥƮƓ ǎƥƬDŽǁƐ ǎƦǀƥDŽǁƐ ƿdžƓǁƐ ƔƥƐƣƋ ƧǂƜDŽ LjƜNj ƣƽNj
Ɛ ƞdžDŽ ƣdžƳ ƅǘDŽƴǂǁ ƕǐdžƑDŽƗƏǗƐ ƔƥƐƣƜǁƐ LJƤـNJǁ ŷƑـƾƺNj ƖƑƬƬƢDŽǁƐ DžǐNjǀƗ ƣdžƳ ƐƤǀNj Û LJƣǐƣƜƗ Njأ LjƗƣƑǐƦ Njأ DžƑDŽƗƏǗ DžـDŽ üǀǁ ƖƑƬƬƢDŽǁƐ DžǐNjǀƗNj ƕǐdžƑDŽƗƏǗƐ ƔƥƐƣƜǁƐ ǃǐǐƾƗ ƧƨأNj ƕǐdžƑDŽƗƏǗƐ ƥƯƑƢDŽǁƐ ƔƥƐƣƋ ƖǂDŽƪ ǏƗǁƐ ƧـƨǓƐ ƭNjƥـƾǁƐ ǏـǁƋ ƕƺƑƮƋ Û ǏƬƢƪǁƐ DžƑǀƨǖǁ ƕǐƥƑƾƴǁƐ ƭNjƥƾǁƐNj ƕǐǀǘNJƗƨƐ ƭƐƥƷǓ ƭNjƥƾǁƐNj Û ƖƑƨƨƊDŽǁƐ
ǁ ƔƥǐƸƬǁƐ ƕǐƣƑƬƗƽǗƐ ƕƯƪdžǔċ ƐƥƑـƓƗƳƐ ƕǐNjdžƨǁƐ Njأ ƕǐNjdžƨǁƐ ƲƓƥ ƿNjdžƓǂǁ ƕǐǁƑDŽǁƐ ǃƏƐNjƾǁƐ ǍǂƳ ƖƑƬƬƢDŽǁƐ DžǐNjǀƗ ƣƳƐNjƽ njƥƨƗ ƘǐƟƓNj
ƥƓDŽƨǐƣ ƥƢأ DžDŽčċċĐ Û ƧــƨǓƐ LJƤـlj ƖƑƓǂƯƗDŽNj ƼƻƗǐ ƑDŽƓ ƕǐǂƢƐƣǁƐ LjDŽưdž üǐƣƴƗƓ ƿdžƓ üǀ ǃNjƾǐ Džأ ǍǂƳ Û ǘـƢ ǃưdžـǁƐ LJƤlj DžDŽ ƕƢƨdžƓ ǎƥƬDŽǁƐ ǎƦǀƥDŽǁƐ ƿdžƓǁƐ ƔƑƺƐNjDŽNj بƑـƗǀǁƐ ƿـǁƤ ơǐƥƑـƗ DžـDŽ ƥNJـƪƐ ƕـƙǘƙ ü
Ǎǂǐ ƑDŽƓ ƧǂƜDŽǁƐ LjƜNj ƑDŽǀ Û ǎƥNjƣǁƐ:ـ
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Č. ǏƺƥƬDŽǁƐ ƣNJƴDŽǁƐ üǘƢ DžDŽ ƧƨǓƐ LJƤlj ƼǐƓƯƗ ǍǂƳ ƿNjdžƓǁƑƓ DžǐǂDŽƑƴǁƐ بǐƥƣƗ ƕǐDŽljأċ č. ƅƐƣأ njƣDŽ ƞƮNjƗ ǏƗǁƐ ƖƐƥƪƊDŽǁƐ ǏǁƋ üNjƬNjǁƐNj ƕƻǂƗƢDŽǁƐ ƖƑƳƑdžƬǁƐ üNjƟ ƘNjƟƓǁƐ ƅƐƥƜƋ ƲǐƜƪƗ ƕǐDŽljأ
Ǐƺ ƦƥƓǐNj Û ƕƳƑdžƬǁƐ ƖƑƳƑdžƬǁƐ ƣƑƟƗƐ ƥNjƣ üƑƜDŽǁƐ ƐƤlj ċ Ď. ƖƑـƨƨƊDŽǂǁ ƕǐdžƑDŽƗƏǗƐ ƔƥƐƣƜǁƐ ƣǐƣƟƗ ƖƐƥƪƊDŽ DžDŽ ƥƪƊDŽ üǀƓ ƕƬƑƢǁƐ DžƐƦNjǔǁ ƿdžƓ üǀ ƲƮNj ƔƥNjƥƮ
ƑNJƓ ǎƥƬDŽǁƐ ǎƦǀƥDŽǁƐ ƿdžƓǁƐ ƔƑƺƐNjDŽNj Û ƿNjdžƓǁƑƓ DžƑDŽƗƏǗƐ üƑƜƥ ƔƥƓƢ ǍǁƋ ŷƐƣƑdžƗƨƐċ
džƓǁƐ ƵǘƓƐNj ǃƦǂǐ ƑDŽ ƤƑƢƗƐ ǏǁƋ LjǐƓdžƗǁƐNj ƕƯƑƟǕƑƓ üƮƻƗǁƐ ƅƑƜƥƓ ǃƗǐ ƑDŽƓ ǎƥƬDŽǁƐ ǎƦǀƥDŽǁƐ ƿċ
ÛÛÛ ǃƐƥƗƟǗƐ ƼƏƑƺ üNjƓƾƓ ƐNjǂƮƻƗNj ƣNjDŽƟDŽ ƦǐƦƴǁƐ ƣƓƳ ƣNjDŽƟDŽ
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٪ (Low Risk) ١١٪ ( Modest Risk) ٢١٪ ( Satisfactory Risk) ٣٢٪ (Adequate Risk) ٤٢٪ ( Acceptable Risk) ٥٣٪ (Marginally Acceptable) ٦٥٪ )Watch List( + ٧٢٠٪ ٨ ( Substandard )א٥٠٪ ( Doubtful ) ٩١٠٠٪ ( Loss ) ١٠
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![Page 16: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/16.jpg)
א א א א א
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. . . . . אא א א.א
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א−٧ אאא .א
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![Page 17: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/17.jpg)
א א א א א
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א אא אא א
א .א א .א
א.
א.
א .א א .א. . א א
אא /א
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٩−א×א
א.
אא
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א א.א
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אא א
א × א א א א א א אא א א א א .א
١٢
![Page 18: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/18.jpg)
![Page 19: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/19.jpg)
١٣
א א )Obligor Risk Rate / ORR( א
א :אא – ) ( Facility Risk Rate / FRRא
א – א א א א א א א)Group Risk Rate / GRR( .
א – א א א א אאא
)Weighted Portfolio Risk Rate / WPRR ( .א−٤ א א א :א
−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−א א א אא אאאא
א)( א א א א אא א ٠א
:א−٥−−−−−−−−−−−−−−−−−−−−−−−−−−
א אא )٣(אאא٤ א א א א א :א
א − א א א א א א א א א א א אא אא א(א א
א אא א)א א.א
א − א א אאא אא،א א א א א א
א ٠אא א א(א
א א א א א א א )א
![Page 20: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/20.jpg)
١٤א א א א א א א
٠ א٪٦٥ − א א א א
א א אא א א א א אא א א א א א
א א א٠א
אא٪٥٠ − א+Fair Market Valueא אא א :א
אאאא – .א٠אא –אא – א א
٠אא – א א א א א
א .אא א אא ، א א
א א אאא אא א٠
א א :אא • א א אא
٠אא • א א א א א א
א א א א ٠אא • א ٠אאאאא٪٢٥− אא אאא א א
א אאאאאא א
אא + א א א א א ٠א
![Page 21: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/21.jpg)
١٥א א א א אא ،א
אא אא א א ٠אא אא אא א
א א א א א א٠א
א א א א א א אא א א)א/א(א
٠אאא א א
א א ٠אא
א −٦ א א אאאאא :אא−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−
אא − אאאאא א אא
אאאא א א א א א ،א א א א א א א א א א
א ٠אא − א אא א א
א אאאא א :א.אא א א אא .אא א א א א .אא אא .אא א א א .אא א א .אא א א .א
![Page 22: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/22.jpg)
١٦ א −٧ א א :א
−−−−−−−−−−−−−−−−−−−−
א − א א א .אא − א א א א א א א א א א
א א א )אאא(אא א א א א א א א
א א ، א א א א א א אא א א .א
א − א א אא א א א
٠אא − אאאא
א א א א א אא אא א אא א
א .אא− א א א א א א
٠א− א א א א א א
א אא אא א א ٠א
א: א א אא אא א، א ــــــــــــــــــــــــــــــــــــــــــــــــــ
:א −١
−−−−−−−א א א א א א א א
א אא א א א א ،א א א ، א א א א א א א
א א א א ٠א
![Page 23: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/23.jpg)
١٧
א א א אא אא ٠א
א א א א.א
א −٢ א :א−−−−−−−−−−−−−−−−
:א−−−−−−−−−−
א -أ א א אא א א ٠א
א -ب א א.אא
א -ج א א א א א.א
א -د ، א א א א א، א א אא א א א :א
א − א אא א א א א א א .א
אא −.אא − א א .א
א– א ، א א א א א א א אא א א אאא א
אא א א א א א א ،−:אא − א א .אא − א א א .אא − א א .אאא– א א א א א א א
![Page 24: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/24.jpg)
١٨א :א
א − א −א א אא −א −א − א −אאא −א −א − א −א
א − א א א א א א א אא א א א א א א
א א א א א א א א א א א ٠א
א−٣ א א א א א :א
−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−א א :א
א א)٢()١()٢()١(
א -أ אא− א(א א١٨٠−١٥٠١٥١−١٢٠١٢١−٩٠٩١−٦٠٦١−٣١)א٪١٠٠٪٥٠٪٤٠٪٢٠٪١٠٪٣א−
א -ب א א אא ٠א
א− א(א א(١٨٠–١٢٠١٢١−٩٠٩١−٠٣١
٪١٠٠٪٥٠٪٢٠٪٣א−א -ج א א
אא− א(א
א(٠
٪٢٠٪٣א−א א
٥٠٪א א
١٠٠٪אא
![Page 25: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/25.jpg)
١٩א :١٨א(א (
א − א)א(א א א، ، ،٠
א − א א א אא א٠٪٣٠א
א − א א א)(א א א ٪١٠٠אא א א א א א א א א א א
א١٥)٦(א א א ٠אא − א א א א ٠א
א −٤ א א א ، א א א א א−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−
א א א א א א)٤،٧(א ١٣،١٦אא ٠א
א: אאא א ٠א:א −١
−−−−−−א א א א א א
א א ، ٠אא −٢ א א
−−−−−−−−−−−−−−א א אא א א א א
:אא − א א א א
:א • א א ٠אא • א א אא א א
א ٠אא • א א א ٠א
![Page 26: e v U W U q W a Y · .א ،אאאא :אאא ¹ ºZ6 Y& א e6C א K6BEA< K 6? One Obligor Concept M6: Y& א K6 HBA Y K6 & א gE6E? g 6 · •.א M6E K MC6 f6 f6 T א k6A W6 ¹א](https://reader036.fdocuments.in/reader036/viewer/2022081514/5fc21c1f52e16328430a65d9/html5/thumbnails/26.jpg)
٢٠
א − א א א א א א אא א א ٠א
א − א ٠אאא − א א א א א א א
٠אא− א א א א א א
א א א א אאא א א א א א א
א א א א א א א ٠א א −٣ א א א :א
−−−−−−−−−−−−−−−−−−−−−−−−−−−א −:א
אא
אא א−א א٪١٠٠٪٥٠٪٢٠٪٣א
٤− ، א א א א אא א
א א א א ، :א−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−
א א א א א א )٤،٥،٧(א אא١٣،١٤،١٥،١٦ .א