CM-6 Appendix
CM-6 Appendix - Re-categorisation of Exposures
Retail Exposures (natural persons and micro, small and medium enterprises (MSMEs)
Repayment frequency Performance terms No. of continuous repayments done (cooling-off period) Stage 3 to Stage 2 Stage 3 to Stage 1 Stage 2 to Stage 1 Monthly Original 3 instalments/ months 3 instalments/ months Restructured 3 instalments/ months 3 instalments/ months Quarterly Original 2 instalments/ 6 months 2 instalments/ 6 months Restructured 2 instalments/ 6 months 2 instalments/ 6 months Semi-annual Original 2 instalment/ 12 months 2 instalment/ 12 months Restructured 2 instalment/ 12 months 2 instalment/ 12 months Annual Original 1 instalment/ 12 months 1 instalment/ 12 months Restructured 1 instalment/ 12 months 1 instalment/ 12 months Corporate Exposures (legal persons excluding MSMEs)
Repayment frequency Performance terms No. of continuous repayments done (cooling-off period) Stage 3 to Stage 2 Stage 3 to Stage 1 Stage 2 to Stage 1 Monthly Original 6 instalments/ months 6 instalments/ months Restructured 6 instalments/ months 6 instalments/ months Quarterly Original 2 instalments/ 6 months 2 instalments/ 6 months Restructured 2 instalments/ 6 months 2 instalments/ 6 months Semi-annual Original 2 instalment/ 12 months 2 instalment/ 12 months Restructured 2 instalment/ 12 months 2 instalment/ 12 months Annual Original 1 instalment/ 12 months 1 instalment/ 12 months Restructured 1 instalment/ 12 months 1 instalment/ 12 months Note: The above re-categorisation assumes that a corporate re-rating exercise prior to the upgrade also confirms a satisfactory credit rating and no other SICR triggers or conditions exist that prevent the upward transition.
Added: April 2023
