A-Z glossary & abbreviations listing key terms used and their definition

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American Depositary Receipts


A customer is in arrears when they are behind in fulfilling their obligations with the result that an outstanding loan is unpaid or overdue. Such a customer is also said to be in a state of delinquency and the entire outstanding balance is delinquent.

Asset Quality Ratio

The impairment charge for the year in respect of loans and advances to customers expressed as a percentage of average loans and advances to customers.