1.   As part of those changes, banks began this year using a new criteria to classify problem loans.

2.   Now that all Korean loans are classified as junk, that process could well accelerate.

3.   Washburne said there was also concern that the Internal Revenue Service might classify the loans as gifts and order Martha Symington to pay a stiff tax.

4.   A senior manager of a major bank said Bank Negara has never classified study loans as being under either the productive or non-productive sector.

5.   Banks in the city-state usually classify loans as non-performing once they fall into arrears for between three and six months.

6.   Banks in the city-state usually classify loans as non-performing ones once they fall into arrears for between three and six months.

7.   Chen refused to classify those loans as bad debts, saying the enterprises have insufficient working capital to pay off the principal.

8.   Classifying some loans as bad debts will enable the bank to avoid taking legal action against borrowers.

9.   Collateral which is not worth the value of the loan or is somehow incomplete by law, causes the loan to be classified as doubtful.

10.   Restructured loans can be classified as pass when borrowers have serviced the accounts.