The document provides an analysis of NPA (non-performing assets) for a regional office of a bank for the years 2010-2012 and the third quarter of 2012. It summarizes NPA levels, fresh slippages, recoveries, upgrades, and write-offs. The two largest NPA accounts are identified. Sector-wise, segment-wise, and status under SARFAESI Act analyses are also presented. An action plan for further recovery and reducing NPA levels is outlined.

1. Regional Office , Jalandhar
S.C.O 30-31,Third Floor,Guru Ram Das Divine Tower ,PUDA Complex, Jalandhar
Agenda on Comparative position of NPA for the year 2012
The NPA comparative position for last 3 years is given hereunder along with
movement:
(Rs. In crore)
FY 31.03.2010 FY 31.03.2011 FY 31.03.2012 Qr 31.12.2012
Opening
balance
6.08 4.98 4.41 21.44
Add: fresh
slippages
2.38 2.54 28.17 8.77
Less Cash
recovery
2.94 1.37 3.27 6.28
Less Up
gradation
0.31 0.34 7.87 7.03
Less
Compromise
recovery
- - - -
Prudential
Written Off
0.23 - - -
Assets Sale - 1.40 - -
Closing
balance
4.98 4.41 21.44 16.90
Analysis
The biggest NPA account is Indian Auto Industries , Phagwara with outstanding ledger
balance of Rs 5.63 crores and no recovery has been made since date .

2. The second biggest NPA is Winner Traders ( MHG Branch ) , with an outstanding ledger
balance of Rs 58 lakhs
1. Performance-wise NPA- Y-o-y comparison for Q -3 2012
(In Crores)
No of
accounts
Term Loan CC/OD/DL Total Outstanding
Balance
Q3’11 Q3‘12
Q3 2011
Ostd
Amt
Q3 2012
Ostd
Amt
Q3 2011
No of Ostd
A/cs Amt
Q3 2012
No of Ostd
A/cs Amt
Q3 2011
Q3 2012
Sub
Standard 117 411 6.80 4.26 6.16 1.73 12.96 5.99
Doubtful 56 198 0.74 1.02 2.34 4.51 3.08 5.53
Loss Assets 282 295 0.10 4.69 0.13 0.68 0.23 5.37
2. Sector Wise Analysis :
(In Crores)
Sector wise analysis as on 31/12/2012
PRIORITY SECTOR
No of
A/cs
Term Loan
outstanding
Balance
CC/OD/DL
outstanding
Balance
Total
Outstanding
Balance
AGRICULTURE-
DIRECT FINANCE
Sub Standard 83 0.44 0.40 0.84
Doubtful 44 0.33 0.29 0.62
Loss 39 0.73 0.11 0.84

3. AGRICULTURE-
INDIRECT FINANC
Sub Standard 3 0.0015 0.0768 0.0783
Doubtful 0 0.00 0.00 0.00
Loss 1 0.00 0.00 0.00
MICRO
MANUFACTURING
ENTERPR
Sub Standard 8 0.016 0.017 0.033
Doubtful 12 0.0757 0.388 0.4637
Loss 18 0.0013 0.097 0.0983
SMALL
MANUFACTURING
ENTERPR
Sub Standard 0 0 0 0
Doubtful 0 0 0 0
Loss 0 0 0 0
MICRO SERVICES
ENTERPRISES
Sub Standard 2 0.27 0.64 0.91
Doubtful 4 0.28 0.10 0.38
Loss 0 0.067 0.10 0.167
SMALL SERVICES
ENTERPRISES
Sub Standard 27 0.73 39.11 39.84
Doubtful 22 0.10 23.83 23.93
Loss 18 0.0014 5.50 5.5014
MICRO CREDIT
Sub Standard 44 0.006 0.005 0.011
Doubtful 14 0.015 0.005 0.02
Loss 46 0.001 0.12 0.121
EDUCATION LOAN
Sub Standard 12 0.24 0 0.24
Doubtful 0 0 0 0
Loss 0 0 0 0.00
OTHER NON
PRIORITY SECTOR
Sub Standard 107 1.18 0.18 1.36
Doubtful 31 0.19 0.20 0.39
Loss 66 3.68 0.09 3.77
3. Segment Wise analysis:
( In Crores)
Segment wise Analysis as on 31/12/2012
No of
A/cs
Term
Loan CC/OD/DL
Total
Outstanding
Balance
RETAIL BANKING
SEGMENT
Sub Standard 411 4.26 1.73 5.99
Doubtful 197 1.02 2.55 3.57
Loss 294 1.02 0.68 1.7
CORPORATE/WHOLESAL
E BANKING
Sub Standard 0 0 0 0
Doubtful 1 0 1.95 1.95
Loss 1 3.66 0 3.66
OTHER BANKING
SEGMENT
Sub Standard 0 0 0 0
Doubtful 0 0 0 0
Loss 0 0 0 0

4. 4. Status under SARFAESI Act 2002 in Q3 2012–
( In Crors)
Accounts Amt .
Eligible Accounts 106 16.51
Notice Issued 106 16.51
Possession of Assets Taken 36 8.01
Stay granted by DRT/Court 5 1.68
Outside Agents Appointed 0 0
Recoveries ( Total )
a) Direct
i) By Bank
ii)By Outside Agencies 0.16
b) By Sale / Auction of
Assets through
i) By Bank
ii)By Outside Agencies
c) By Compromise 2 2.31
d) By Up gradation 37 2.11
e) Others 27 2.24
5. Compromise proposals sanctioned in Q3 2012
At Central Office
Level
At Zonal Office
Level
At Regional Office
Level
No of Accounts 0 0 5
Total Amount 0.00 0.00 Rs 2 lakhs

5. 6. Action Plan for recovery and reducing NPA position
a. Regular recovery camps are held at branches with active participation
from Regional Office.
b. Fresh Slipped accounts holders are contacted vigorously as to affect
maximum recovery & upgrade the accounts.
c. Special camps are organized for OTS scheme of our banks and officers
from Regional Office attend these camps for on the spot settlements.
d. Sarfaesi Notice issued in all eligible accounts.
e. In NPA and written off accounts where security is not sufficient or
wherever applicable it should be settled under OTS scheme of Bank.
f. Restructuring of Accounts
Regional Manager
Regional Office