march2018	june2018	september2018	december2018	march2019	june2019
22.58	22.56	20.03	18.19	18.76	18.05

the table above illustrate the trend of Non Performing Loans(%).

A. explain the following banking terminologies related to credit

1. sticky credit

2. Non Performing Loan

B.show how the under-listed systems and structure expected to impact loan collections and recoveries.

1. collateral registry

2. credit rating

3. credit reference bureaux