Camels

Capital Adequacy:

CRGS (Credit Risk grading System)

|Superior |Standard/Unclassified loan |1% General Provision |

|Good | | |

|Acceptable | | |

|Marginal | | |

|SM | |5% General Provision |

|Sub-standard |Classified Loan/Non-performing loan(NPL) |20% General Provision |

|Doubtful | |50% General Provision |

|Bad/Loss | |100% General Provision |

*Adjusted Capital = Total capital – Provision shortfall – Loss

*Interest Suspense

*Capital type:

|TR-1 (core capital) |TR-2 (supplementary capital) |

|Paid-up capital |Asset revolution reserve |

|Share premium |Exchange revolution reserve |

|General reserve | |

|Statutory reserve |...