{"id":412,"date":"2016-08-05T03:59:09","date_gmt":"2016-08-04T17:59:09","guid":{"rendered":"http:\/\/leadpakistan.com.pk\/news\/?p=412"},"modified":"2016-08-05T03:59:09","modified_gmt":"2016-08-04T17:59:09","slug":"sbp-revises-regulations-for-consumer-financing","status":"publish","type":"post","link":"https:\/\/leadpakistan.com.pk\/news\/sbp-revises-regulations-for-consumer-financing\/","title":{"rendered":"SBP revises regulations for consumer financing"},"content":{"rendered":"

KARACHI: The State Bank of Pakistan (SBP) has revised the prudential regulations to promote consumer financing in sustainable and fair manner while ensuring financial stability of the banks\/DFIs.
\nA statement on Thursday said that the revised regulations provide more discretion in decision making to banks\/DFIs in line with their dynamic business environment.
\nThe central bank periodically reviews its regulatory framework in order to align it with changing business environment and international best practices, the statement added.
\nIt said that under these regulations, amongst others, banks\/ DFIs are advised to develop common glossary of important terms to use in loan documentation.
\nThe development of common nomenclature of important terms will not only complement the disclosure requirements of terms and conditions but will also facilitate the general public to better understand the terms of the loans and perform a meaningful comparison of the financing products offered by different banks.
\nBanks\/DFIs have also been advised to initiate assessments for introduction of differentiated loan pricing in all consumer financing products, which inter alia should be sensitive to loan product characteristics, borrowers\u2019 risk as\u00ad\u00adsess\u00ad\u00ad\u00ad\u00adment, timely regular re\u00adpayments and exemplary behaviour.
\nThey maintain general provision against performing consumer financing portfolio to protect them from the risks associated with the economic cyclical nature of this business.<\/p>\n","protected":false},"excerpt":{"rendered":"

KARACHI: The State Bank of Pakistan (SBP) has revised the prudential regulations to promote consumer financing in sustainable and fair manner while ensuring financial stability of the banks\/DFIs. A statement on Thursday said that the revised regulations provide more discretion in decision making to banks\/DFIs in line with their dynamic business environment. The central bank […]<\/p>\n","protected":false},"author":1,"featured_media":295,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-412","post","type-post","status-publish","format-standard","has-post-thumbnail","category-business"],"yoast_head":"\nSBP revises regulations for consumer financing<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/leadpakistan.com.pk\/news\/sbp-revises-regulations-for-consumer-financing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SBP revises regulations for consumer financing\" \/>\n<meta property=\"og:description\" content=\"KARACHI: The State Bank of Pakistan (SBP) has revised the prudential regulations to promote consumer financing in sustainable and fair manner while ensuring financial stability of the banks\/DFIs. A statement on Thursday said that the revised regulations provide more discretion in decision making to banks\/DFIs in line with their dynamic business environment. 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