Among the fifty largest banks, all but two have grades corresponding to the regulatory problem-asset categories Other Assets Especially Mentioned (OAEM), Substandard, Doubtful, and Loss (some omit the Loss category).(10) All other assets are collectively labeled "Pass" by regulators.
Supervisors require a specific reserve of at least 50 percent of Doubtful loans plus 20 percent of Substandard loans; banks set the amount of additional reserves for OAEM and Pass loans according to their judgment, subject to evaluation by examiners.(35) Many banks develop reserve factors specific to each Pass category.
wat foroon fader iuer foroon of oaem allum ge behofes ??
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(20) accipe puerum onfoh l genim oone cnaeht (10) 2.13 'take the young child' dixit paralitico cueo oaem
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