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please answer all Question Three The table below illustrates the trend in Non-Performing Loans (%) Mar 2018 22.58 June 2018 22.56 Sept 2018 20.03 Dec

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Question Three The table below illustrates the trend in Non-Performing Loans (%) Mar 2018 22.58 June 2018 22.56 Sept 2018 20.03 Dec 2018 18.19 Mar 2019 18.76 June 2019 18.05 a. Explain the following banking terminologies related to credit. i. Sticky Credit" (2.5 marks) ii. Non-performing loans (NPLs) (2.5 marks) Page 2 of 3 FINC 405 Examiner: George Baah-Danquah b. Show how the under-listed systems and structure expected to impact loan collections and recoveries. i. Collateral Registry (5 marks) ii. Credit Rating (5 marks) ii. Credit Reference Bureaux

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