No. Banks should not discuss lending terms inside GRA.
Lending terms include interest rates, spreads, fees, covenants, collateral requirements, tenor, amortization, guarantees, security packages, repayment structures, debt sizing, credit approvals, borrower-specific risk grades, loan pipeline information, restructuring terms, and bank-specific risk appetite.
These topics are commercially sensitive and may create competition, confidentiality, market conduct, borrower-confidentiality, and credit-process risks. They can also create false bankability signals if discussed in a GRA setting.
Banking Nexus may discuss banking resilience, credit exposure categories, infrastructure dependency, public-good finance-readiness, borrower resilience, operational continuity, climate and physical risk, cyber-physical risk, and evidence gaps at a general level. It should not become a credit negotiation or bank syndication room.
If lending terms are relevant, they must be handled outside GRA by the borrower, lender, advisers, counsel, and formal credit process.
GRA meetings can discuss lending-readiness questions. They cannot discuss lending terms.
