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