القروض تحت المراقبة are those which exhibit potential weaknesses that deserve bank’s management’s preemptive actions to enhance the present quality of the assets.
القروض تحت المراقبة are - potentially weak loans where, if left uncorrected, the weakness may result in deterioration of the repayment prospects for the loans or bank’s credit position at some future date.
Such loans are not adversely classified and do not expose a bank to sufficient risk to warrant adverse classification.
القروض تحت المراقبة category should not be used as a means of avoiding adverse risk classification of loans or for passing it without criticism.
The general characteristics of القروض تحت المراقبة are as follows: -