Management of NPA { KAMAL (MBA)(IFTM MORADABAD)
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This document discusses non-performing assets (NPAs), which are loans or accounts classified as substandard, doubtful, or loss due to non-payment. NPAs do not generate income and are divided into standard, substandard, doubtful, and loss categories. Internal factors like defective lending processes and external factors like industrial sickness can cause NPAs. Tools for recovering NPAs discussed include Lok Adalats, Debt Recovery Tribunals, SARFAESI Act 2002, and Corporate Debt Restructuring. NPAs impact profitability, liquidity, share prices, borrower goodwill, banking growth, and economic growth.
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The document discusses management of non-performing assets (NPAs) in banks. It defines NPAs and categories them as substandard, doubtful or loss assets depending on the period for which they have remained unpaid. It outlines provisioning norms for different NPA categories. Factors contributing to NPAs include poor credit discipline, inadequate risk management, diversion of funds by promoters and funding non-viable projects. Methods for managing NPAs discussed include preventive measures, resolution through compromise settlements, restructuring, debt recovery tribunals and sale of NPAs.
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The document discusses Non-Performing Assets (NPAs) in the Indian banking sector. It defines an NPA as an asset that ceases to generate income for the bank. It provides data showing that public sector banks had the highest NPA ratio in FY2010 at 2.27%, while foreign banks had the lowest at 4.26%. The criteria for classifying different types of loans as NPAs, including term loans, cash credits, project loans and more, are explained in detail. NPAs are further classified as substandard, doubtful or loss assets based on the period of delinquency. Banks are required to make provisions against NPAs as per RBI guidelines.
Non-Performing Assets (NPA)
This document defines non-performing assets (NPAs) for banks and outlines how they are classified and provisions are made for them. It states that an asset becomes non-performing when it stops generating income for the bank. It was defined as a credit facility where interest or principal has remained past due for a specified period. This period was reduced over time to two quarters by 1995 and then a 90 day past due norm was adopted in 2004. The document also describes how NPAs are classified as substandard, doubtful or loss assets depending on how long they have been non-performing. It provides the classification categories and associated provisioning requirements. Trends in NPA levels across public and private sector banks in India are also presented
Comparative Analysis of Non Performing Assets of Public Sector, Private Secto...
This document is a project report submitted in partial fulfillment of a Bachelor of Commerce degree. It provides an introduction to non-performing assets (NPAs) in the Indian banking system. It defines NPAs and discusses how assets are classified as standard, sub-standard, doubtful or loss based on the number of days past due and likelihood of recovery. The types, reasons, impacts and early symptoms of NPAs are also examined. The document then outlines the procedures for NPA identification and resolution in India, before discussing the objectives, methodology and overall findings of the research project.
Non-performing-assets-of-banks
This document is a project report on comparing the non-performing assets of private and public sector banks in India. It includes an introduction describing the growth of NPAs in Indian banks and outlines the objectives of the study. The methodology section notes that descriptive and comparative research methods will be used, analyzing secondary data from selected private and public sector banks. The report appears to analyze trends in NPAs, attempt to identify reasons for high NPAs, and evaluate steps taken to manage and reduce NPAs.
Non Performing Assets (NPA)
The document discusses non-performing assets (NPAs) in the Indian banking system. It defines NPAs and outlines the different categories of assets based on their performance - standard, sub-standard, doubtful, and loss assets. Gross and net NPAs are also defined. The rise of NPAs can be attributed to both internal and external factors. Banks employ both preventive and curative strategies to manage their NPAs, such as restructuring loans, pursuing debt recovery, and using asset reconstruction companies. Tables show trends in NPAs for public sector banks, private banks, and all scheduled commercial banks from 2006-2007 to 2010-2011.
Strategic Management: Types of Strategy
This document discusses different types of business strategies, including integration strategies, intensive strategies, and diversification strategies. Integration strategies involve acquiring suppliers or distributors and include vertical integration (backward or forward) and horizontal integration by acquiring competitors. Intensive strategies focus on existing products and markets and include market penetration, market development, and product development. Diversification strategies involve entering new industries, either related diversification into similar products, or unrelated diversification. The document provides examples and guidelines for when each type of strategy may be effective.
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Npa project
Non-performing assets (NPAs) are loans that are in default or close to being in default. The document discusses NPAs in Indian banks, including what qualifies a loan as an NPA, how NPAs are classified and provisioned for, and reasons why loan accounts may become NPAs, including internal factors within banks and borrowers as well as external economic factors. Key points are that an asset is considered non-performing if interest or principal has been due for over 90 days, NPAs are classified as substandard, doubtful or loss, and banks must make provisions against NPAs which reduces their profits.
An empirical analysis on asset quality of public sector banks in india non p...
This document discusses asset quality and non-performing assets (NPAs) in public sector banks in India. It defines key terms like gross NPAs, net NPAs, and classifications of assets. Gross NPAs include all non-performing assets, while net NPAs are calculated after deducting provisions. Assets are classified as substandard, doubtful or loss based on the period of being non-performing and recoverability. The document also discusses internal and external factors that can contribute to increasing NPAs and outlines prior literature on NPAs and financial reforms in India.
15672 npa management
This document discusses the management of non-performing assets (NPAs) in banks. It defines NPAs as loans or advances where interest or principal payments are overdue by 90 days or more. It outlines the classification of assets as standard, sub-standard, doubtful or loss based on delinquency period. The document also discusses provisioning norms required against different asset classifications and factors contributing to rising NPAs. It examines the impact of NPAs on bank operations and various methods used for prevention and resolution of NPAs.
Nbfc introduction and compliances
NBFCs are non-banking financial companies that are registered under the Companies Act and engage in financial activities such as lending, acquisition of shares/bonds, leasing, insurance, etc. but do not include institutions conducting agricultural/industrial activities or selling goods/services. NBFCs are regulated by the Reserve Bank of India and must register with RBI to operate. They are classified based on whether they accept public deposits and their asset size. Over time, various committees have shaped the regulatory framework for NBFCs in India to strengthen governance, disclosure, and supervision.
Auditor's Report
Advanced audit
For downloading this contact- bikashkumar.bk100@gmail.com
Prepared by Students of University of Rajshahi
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This PPT is useful for SYBMS Finance Specialization students
CLASS: SYBMS (FINANCE)
SUB:- BASICS OF FINANCIAL SERVICES
CHP:- 4 Development Banks &
Commercial Banks
Npa
Non-performing assets (NPAs) refer to loans that are in default or close to being in default. NPAs have become a major issue for Indian banks and financial institutions, totaling over Rs. 1.1 trillion. The origin of rising NPAs lies in poor credit risk management practices in banks. To resolve NPAs, the government established asset reconstruction companies (ARCs) to purchase NPAs from banks and resolve them to enable banks to focus on core operations and lending. ARCs operate under the legal framework of the Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act of 2002.
Non performing assets
This document discusses non-performing assets (NPAs), which are loans that are in default or close to being in default. It defines NPAs and explains how they are classified into sub-standard, doubtful, and loss categories. The document also discusses the rising levels of NPAs at various public sector banks in India and some of the key reasons for and effects of high NPAs, as well as strategies that banks use to manage and reduce NPAs.
Banking industry
Basel 2 focuses on strengthening bank capital requirements. It has 3 pillars: minimum capital standards, supervisory review, and market discipline. Tier 1 capital includes equity shares and disclosed reserves. Tier 2 capital includes undisclosed reserves, revaluation reserves, general loan loss provisions, and subordinated debt. Risk-weighted assets are used to determine capital adequacy ratios, with different asset classes receiving different risk weights depending on their risk level. Basel 2 allows both standardized and internal ratings-based approaches to calculating capital requirements for credit risk.
Concepts of NPA( Non Performing Asset)
This article describes the concepts regarding Non-performing Assets like Meaning, Classifications, Causes, and the impacts of NPA in short.
NPA recovery mechanism in India - Praveen S.pptx
The document discusses non-performing assets (NPAs) in the Indian banking sector and various recovery mechanisms. It notes that NPAs have increased significantly in recent years due to several factors like aggressive lending during 2004-2009 and issues in key sectors like infrastructure. The government and RBI have taken several measures to reduce NPAs, including Lok Adalats for out-of-court settlements, Debt Recovery Tribunals, the SARFAESI Act allowing banks to recover assets, and the Insolvency and Bankruptcy Code. Data shows amounts recovered have increased under these various forums from 2017 to 2020.
NPA
This document discusses the management of non-performing assets (NPAs) in banks. It defines NPAs as loans where payments are overdue by more than 90 days. NPAs are categorized as substandard, doubtful, or loss assets depending on how long they have been non-performing. The document outlines provisioning norms banks must follow for different asset categories. Factors that contribute to NPAs include poor credit discipline, inadequate risk management, and diversion of funds by promoters. High levels of NPAs negatively impact bank profitability and capital adequacy. The document proposes preventive and resolution measures to manage NPAs.
NPAs and their management in banks in India
NPAs are a growing concern in banks. This ppt deals with concept of NPAs, RBI's prudential guidelines regarding income recognition, asset classification and provisioning, tools for NPA management available with banks
SUMMER REPORT ON RATIO
The document provides an overview of a balance sheet, including its meaning, features, need, and contents. A balance sheet shows the assets, equity, and liabilities of a business at a given point in time. It includes shareholders' equity, non-current liabilities like long-term debt, current liabilities that are due within one year, non-current assets like fixed assets, and current assets that are expected to be converted to cash within one year. The document then discusses the specific line items that appear on a balance sheet and provides an example of a revised balance sheet format.
Non performing assets (npa)
This document discusses non-performing assets (NPAs) in the banking sector. It defines NPAs as loans where interest or principal payments are overdue by more than 180 days. It describes the different categories of NPAs based on their risk level and explains how gross and net NPAs are calculated. The document then outlines various internal and external factors that can cause loans to become NPAs, the impact of high NPAs on banks' profitability and liquidity, and some methods that banks use to reduce their NPAs, such as the SARFAESI Act, Lok Adalats, and compromise settlements.
Financial Management II - (Chapter 2-5).pdf
This document discusses principles of working capital management. It defines working capital as current assets used in operations, including cash, accounts receivable, inventory, and other current assets. Net working capital is current assets minus current liabilities. The document also discusses the cash conversion cycle, which is the time between a firm paying for supplies and collecting payment from customers, less any period where customer payments can be delayed. Efficient working capital management is important for business liquidity and profitability.
Comparative Analysis of NPA in Public, Private & in Private Sector Banks.
This document discusses non-performing assets (NPAs) in banks in India. It defines NPAs as loans that are in jeopardy of default if interest or principal payments are overdue for 90 days. Growing NPAs can negatively impact bank profitability, liquidity, and management resources. The document categorizes NPAs as sub-standard, doubtful or loss assets depending on the period of default. It also analyzes reasons for NPAs like internal factors related to borrowers or external economic issues, and lists early symptoms of emerging NPAs.
Non Performing Assets A Comparative Study of Public and Private Sector Banks
Non Performing Assets are a burning topic of concern for the private as well as public sector banks, as managing and controlling NPA is very important. The current paper with the help of secondary data, from RBI website, tried to analyse the 5 years, 2017 2022 net non performing asset data of 2 private and 2 public sector banks. KEY WORDS Non performing assets, public sector banks, private sector banks. K C Manohar Yadav | D. Jakir Hussain "Non-Performing Assets: A Comparative Study of Public & Private Sector Banks" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-6 | Issue-6 , October 2022, URL: https://www.ijtsrd.com/papers/ijtsrd52050.pdf Paper URL: https://www.ijtsrd.com/management/other/52050/nonperforming-assets-a-comparative-study-of-public-and-private-sector-banks/k-c-manohar-yadav
Assessment of Working Capital
This document provides an assessment of the working capital requirements for Rushabh InfoSoft Ltd. It discusses various components that make up working capital, including raw materials, work in process, finished goods, receivables, and expenses. It outlines methods to calculate requirements for each component based on historical data, including average stocking periods and operating cycles. The document also discusses concepts like margin requirements and formats used to evaluate working capital needs to determine the appropriate levels of bank financing.
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Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
Seminar: Gender Board Diversity through Ownership Networks
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
在线办理(GU毕业证书)美国贡萨加大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(GU毕业证书)美国贡萨加大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
原版一模一样【微信：741003700 】【加拿大麦吉尔大学毕业证硕士学历证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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Management of NPA { KAMAL (MBA)(IFTM MORADABAD)
- 1. Presented By KAMAL SINGH MANAGEMENT OF NPA (Non Performing Assets)
- 2. NON PERFORMING ASSETS Non Performing Assets means a loan or account of borrower, which has been classified by a bank or financial institution as sub standard, doubtful or loss assets, in accordance with directions or guidelines relating assets classification issued by RBI. Non Performing Assets is the assets that does not provide a return or effectual in generating income.
- 4. NPA have been divided into following four types:- Standard Assets : A standard asset is a performing asset. Standard assets generate continuous income. Such assets carry a normal risk and are not NPA in the real sense. So, no special provisions are required for Standard Assets. Sub-Standard Assets : All those assets (loans and advances) which are considered as non-performing for a period of 12 months are called as Sub-Standard assets. Doubtful Assets : All those assets which are considered as non-performing for period of more than 12 months are called as Doubtful Assets. Loss Assets : All those assets which cannot be recovered are called as Loss Assets.
- 10. INTERNAL FACTORS Defective Lending Process Inappropriate Technology Managerial Deficiencies
- 11. Analyze The Balance Sheets Purpose Of The Loan Poor Credit Appraisal System
- 12. EXTERNAL FACTORS Ineffective Recovery Tribunal Willful Defaults Natural Calamities
- 13. Industrial Sickness Lack of Demand Change In Govt. Policies
- 14. TOOLS FOR RECOVERING NPA (1) LOK ADALAT (2) DEBT RECOVERY TRIBUNALS (3) SRFAESI ACT 2002 (4) CORPORATE DEBT RESTUCTURING
- 15. LOK ADALAT Lok Adalat as a very effective system of recover dues from borrower. CORPORATE DEBT RESTUCTURING The CDR System is applicable to standard and sub standard accounts with potential cases of NPAs getting a priority. SARFAESI ACT- 2002 SARFAESI ACT-2002 provides for enforcement of security interest in movable (Tangible & Intangible assets including accounts receivable) and immovable property without the intervention of the court. DEBT RECOVERY TRIBUNAL The Debts Recovery Tribunal (DRT) enforces provisions of the Recovery of Debts Due to Banks and Financial Institutions (RDDBFI) Act, 1993 and also Securitization and Reconstruction of Financial Assets and Enforcement of Security Interests (SARFAESI) Act, 2002
- 16. IMPACT OF NPA 1 • REDUSE PROFITABILITY 2 • LIQUIDITY & OPPORTUNITY COST 3 • IMPACT ON SHARE PRICES
- 17. IMPACT OF NPA 4 • BORROWER GOODWILL 5 • BANKING GROWTH 6 • ECONOMIC GROWTH