In case where the loan is sanctioned by the bank against the borrower submitting the fake/forged documents and thus, playing fraud on the bank, such a loan is to be treated in the bank's books as a........ asset, even when there is recovery in the account as per the repayment schedule approved by the bank at the time of sanctioning the loan.

• A.  standard                    
• B.  sub-standard
• C.  doubtful                     
• D.  loss
• E.  None of these