Guidelines on credit relations


These Guidelines are not binding for the banks. They are informative and educational documents, seeking to provide orientation for the relevant parties that decide to enter into a credit relation or need to restructure the existing credit relation.

Guidelines on restructuring

These two guidelines on restructuring serve to provide orientation for both banks and borrowers durign the restructuring process to encourage a massive and healthy restructuring process.

The Guidelines are drafted in two separate documetns, for Households and Busiensses, respectively, to distinguish the relations of each group of such borrowers and the credit relations in the case of loans to businesses.

Guidlelines for real estate appraisal

This Guideline is for the appraisal of real estate placed as collateral for a loan. The Guideline seeks to lay down some basic principles, that guide the entire process of real estate appraisal.

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