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Asset Classification and Provisioning Norms
Ensuring profitability?
assets must earn more than the cost of liabilities funding them.
Ensuring liquidity?
the bank must always have cash, or near-cash, available to meet outflows.
(a) Demonstrates safety to marketplace?
Counterparties accept the bank's name in inter-bank dealings without a risk premium.
(b) Meets prior loan commitments?
Sanctioned but undisbursed limits are honoured — preserves customer relationships.
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