‹ RM-2.4.3 RM-2.4.5 › RM-2.4.4 The following categories of credit facilities are defined as 'Non-performing'. Licensees must apply the minimum specific provision levels outlined below: Substandard : 10% of the outstanding amount Doubtful : 30% of the outstanding amount Loss : 100% of the outstanding amount. July 2014 ‹ RM-2.4.3 RM-2.4.5 ›