Credit Risk Management
- Prudential Treatment of Problem Assets
- Rules on Management of Problem Loans
- Guidelines on Management of Problem Loans
- 1. Introduction
- 2. Problem Loan Prevention & Identification
- 3. Non-performing Loans (NPLs) Strategy
- 4. Structuring the Workout Unit
- 5. Workout Plan
- Appendix 1: Samples of Early Warning Signals
- Appendix 2: Loan Life Coverage Ratio
- Appendix 3: Restructuring Principles
- Appendix 4: Details of Relevant Agreements
- Appendix 5: Glossary of Technical Terms
- Sound Practices for Banks’ Interactions with Highly Leveraged Institutions (HLI)-BCBS
- Preface
- I Introduction
- II Banks’ Involvement with HLIs and their Overall Credit Risk Strategy
- III Information Gathering, Due Diligence and Credit Analysis of HLIs
- IV Exposure Measurement
- V Limit Setting
- VI Collateral, Early Termination and Other Contractual Provisions
- VII Ongoing Monitoring of Positions Vis-À-Vis HLIs
- Guidelines on the Regulatory Treatment of Banks' Exposures to Central Counterparties
- Rules on Credit Risk Management
- loan Classification, Provisioning and Credit Review
- Section I. Loan Classification
- Section II Minimum Provisioning Requirements
- Section III. Other Matters
- Section IV. Independent Credit Review System
- Annex 1 SAMA Prudential Return Classification of Loans For the Quarter Ending
- Annex 2 SAMA Prudential Return Supervisory Loan Provisioning For the Quarter Ending
- Annex 3 SAMA Prudential Return List of Individually Assessed Loans Where Exceptions Made to the 90, 180, 360 Day Rule for Classification For the Quarter Ending
- Annex 4 Guidance Notes for Prudential Returns For Loan Classification and Provisioning
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