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Appendix CM-6 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