NPA
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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.
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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.
Npa in indian banks
This document discusses the management of non-performing assets (NPAs) by banks in India. It defines NPAs and categorizes them into substandard, doubtful, and loss assets. It outlines the provisioning norms required for each category. The document also discusses the factors that contribute to the growth of NPAs, their impact on bank operations, and the status of NPAs from 2005-2006. It describes various preventive measures taken by RBI and resolution methods used by banks to manage NPAs such as compromise settlements, restructuring, Lok Adalats, corporate debt restructuring, and SARFAESI Act.
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.
Management of NPA { KAMAL (MBA)(IFTM MORADABAD)
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.
Data ppt on npa
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.
Npa
This document discusses non-performing assets (NPAs) in banks. It defines NPAs as loans where interest or principal payments are overdue by 90 days. It describes how the Reserve Bank of India conducted an Asset Quality Review in 2015-2016 to check if banks were properly classifying assets, as the central bank believed banks were hiding bad loans. The document also outlines the different classifications of assets - standard, sub-standard, doubtful, and loss - and how higher levels of NPAs negatively impact banks' profits and balance sheets by requiring higher provisions. It gives examples of specific banks like ICICI that reported sharp drops in profits after the asset review revealed higher NPAs.
RECOVERY OF FINANCE
This document discusses non-performing loans and Section 15 of the Financial Institutions (Recovery of Finances) Ordinance 2001. It defines a non-performing loan as a loan that is in default or close to being in default. Section 15 gives banks free rein to directly sell secured properties with minimal formalities. It also discusses the rising levels of non-performing loans in Pakistan's banking sector, which reached Rs. 653 billion in June 2012, hindering the sector's ability to expand financing. While interest rate cuts may help reduce non-performing loans going forward, the high levels already pose difficulties for banks.
Npa 18
Non-performing assets (NPAs) are loans that are in default or close to being in default. In India, NPAs are classified as standard, sub-standard, doubtful, or loss assets depending on the period of default. The NPA rate in Indian banks peaked in 2015 at over 5% due to bad loans in sectors like infrastructure and steel. Measures to reduce NPAs include debt recovery tribunals, loan restructuring, and selling NPAs to asset reconstruction companies at a discount. High NPAs have significantly impacted Indian bank profits in recent years.
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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.
Npa in indian banks
This document discusses the management of non-performing assets (NPAs) by banks in India. It defines NPAs and categorizes them into substandard, doubtful, and loss assets. It outlines the provisioning norms required for each category. The document also discusses the factors that contribute to the growth of NPAs, their impact on bank operations, and the status of NPAs from 2005-2006. It describes various preventive measures taken by RBI and resolution methods used by banks to manage NPAs such as compromise settlements, restructuring, Lok Adalats, corporate debt restructuring, and SARFAESI Act.
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.
Management of NPA { KAMAL (MBA)(IFTM MORADABAD)
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.
Data ppt on npa
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.
Npa
This document discusses non-performing assets (NPAs) in banks. It defines NPAs as loans where interest or principal payments are overdue by 90 days. It describes how the Reserve Bank of India conducted an Asset Quality Review in 2015-2016 to check if banks were properly classifying assets, as the central bank believed banks were hiding bad loans. The document also outlines the different classifications of assets - standard, sub-standard, doubtful, and loss - and how higher levels of NPAs negatively impact banks' profits and balance sheets by requiring higher provisions. It gives examples of specific banks like ICICI that reported sharp drops in profits after the asset review revealed higher NPAs.
RECOVERY OF FINANCE
This document discusses non-performing loans and Section 15 of the Financial Institutions (Recovery of Finances) Ordinance 2001. It defines a non-performing loan as a loan that is in default or close to being in default. Section 15 gives banks free rein to directly sell secured properties with minimal formalities. It also discusses the rising levels of non-performing loans in Pakistan's banking sector, which reached Rs. 653 billion in June 2012, hindering the sector's ability to expand financing. While interest rate cuts may help reduce non-performing loans going forward, the high levels already pose difficulties for banks.
Npa 18
Non-performing assets (NPAs) are loans that are in default or close to being in default. In India, NPAs are classified as standard, sub-standard, doubtful, or loss assets depending on the period of default. The NPA rate in Indian banks peaked in 2015 at over 5% due to bad loans in sectors like infrastructure and steel. Measures to reduce NPAs include debt recovery tribunals, loan restructuring, and selling NPAs to asset reconstruction companies at a discount. High NPAs have significantly impacted Indian bank profits in recent years.
Npa presentation
Non-performing assets (NPAs) refer to loans that are in default or close to being in default. The document discusses NPA classification, factors contributing to rising NPAs, early warning signs of potential NPAs, and methods to manage and recover NPAs. It also covers income recognition norms for banks related to NPAs, such as reversing interest not realized from NPAs and appropriating recoveries received from NPAs according to an agreed-upon order of priority.
NPA-
This document discusses non-performing assets (NPAs) in the Indian banking sector. It defines NPAs as loans where interest or principal payments are overdue by 90 days. NPAs hurt bank profitability, liquidity, and solvency. The growth of NPAs indicates inefficiencies in credit risk management. While NPAs pose a major challenge, banks must manage them to maintain a healthy banking environment. Quick identification, containment, and recovery of NPAs are essential, as is timely monitoring of loan accounts.
Npa management
This document discusses NPA (non-performing assets) management. It defines NPAs as loans that are overdue by over 90 days. It categorizes NPAs as substandard, doubtful, and loss assets and outlines the different provisioning rates banks must hold against each category. The document also discusses the types (gross and net NPA), causes, effects of rising NPAs on banks, and strategies banks use to prevent and cure high NPA levels like debt restructuring and asset reconstruction companies.
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.
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
Non Performing Assets - Banks
This document discusses non-performing assets (NPAs) in banks, particularly public sector banks in India. It notes that NPAs occur when borrowers default on loan repayments of principal or interest, representing credit risk for banks. Growing NPAs negatively impact banks by reducing profits from interest income, increasing provisioning costs, and eroding capital resources. The rise in Indian public sector bank NPAs in recent years was attributed to the global recession and domestic economic slowdown impacting corporate and SME borrowers. Data showed thirty large companies owed over $2 billion to public banks, and gross NPAs as a percentage of advances have been trending upward, representing stressed assets that banks must address going forward.
Non performing assets
This document provides information on non-performing assets and the SARFAESI Act in India. It defines what constitutes a non-performing asset and outlines different types of loans like term loans, demand loans, cash credits, and overdrafts. It also discusses asset classification, reasons for non-performing assets, and the key aspects of the SARFAESI Act which allows banks to seize collateral for loan defaults without court intervention.
Presentation Slides: Allowance for Loan Losses - Proposed Current Expected Cr...
Presentation Slides: Allowance for Loan Losses - Proposed Current Expected Cr...MHM (Mayer Hoffman McCann P.C.)
This document summarizes a presentation on the proposed Current Expected Credit Loss (CECL) model for calculating loan loss allowances. The presentation discusses how CECL differs from the existing incurred loss model by requiring lifetime loss estimates and consideration of forecasts. It notes CECL will likely increase allowances and their volatility. Operational challenges include developing life-of-loan loss data and forecasting economic conditions. Preparers are concerned about capital impacts while investors prefer CECL's timely loss recognition. Internal controls will need to adapt to CECL's increased complexity, subjectivity and regulatory scrutiny.Npa new
This document discusses non-performing assets (NPAs) in the banking sector. It defines NPAs as loans that are in default or where payments are delayed. It categorizes NPAs as sub-standard, doubtful, and loss assets based on the period of default. The document also discusses the provisioning required for different categories of NPAs, the effects of high NPAs on banks, and tools used by banks to recover NPAs such as the SARFAESI Act and debt recovery tribunals.
Management of np as imt
This document summarizes key aspects of managing non-performing assets (NPAs) for banks. It defines NPAs as loans that are overdue for more than 90 days. It discusses categories of NPAs, provisioning norms, and factors contributing to NPAs. It then outlines various NPA management strategies banks can take, including preventative measures, resolution through negotiation, Lok Adalats, corporate debt restructuring, and legal proceedings. The document also discusses selling NPAs to asset reconstruction companies or other banks.
Npa ppt
This presentation discusses non-performing assets (NPAs) in the Indian banking sector. It defines NPAs as loans where interest or principal payments are overdue for more than 90 days. NPAs hurt bank profitability, liquidity, and capital adequacy. Common causes of NPAs include willful defaults, diversion of funds, and an inability to raise capital. While banks have taken measures to manage NPAs like quick identification and monitoring, NPAs remain a major concern as they affect asset quality and bank survival. Proper NPA management is essential for a healthy banking environment.
Non performing assets in Banks
A non-performing asset (NPA) is a loan or advance where interest or principal remains overdue for a period of 90 days. NPAs are categorized as substandard, doubtful, or loss assets based on how long they have remained non-performing. The Reserve Bank of India mandates minimum provisioning norms for each category - 0.25% for standard assets, 10-100% for substandard/doubtful assets depending on period outstanding, and 100% for loss assets. The document provides gross and net NPA figures for a bank for the year ended March 2011, along with movement in provisions.
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.
Transfer of Loans (standard of assets))
RBI (Transfer of Loan Exposures) Directions have been issued in exercise of the powers conferred by the Sections 21 and 35A of the Banking Regulation Act, 1949 read with Section 56 of the Banking Regulation Act, 1949; Chapter IIIB of the Reserve Bank of India Act, 1934; and Sections 30A, 32 and 33 of the National Housing Bank Act, 1987
NPA - Non Performing Assets by Meka Santosh
NPA which is gobal problem for the banks with the borrower who they not pay money back to the banks with the given period of time.The silde have been describing toward INDIAN bank. More over it includes the impact, problem, solution and action taken by RBI and Govt of India to solve the issue of NPA.
Stressed assets
Stressed assets, which include NPAs, restructured loans, and written off assets, are a major economic risk for India's banking sector as stressed assets levels have increased. Stressed assets provide an important indicator of a bank's financial health. NPAs refer to loans where interest or principal has remained unpaid for 90 days or more. Restructured loans are problematic assets that have been modified through measures like extended repayment periods to avoid being classified as NPAs. Written off assets are loans that banks have removed from their financial statements through compensation. The high level of stressed assets, currently at 11.5% of total loans, poses a significant problem particularly for India's public sector banks.
Bank's Policy Regarding Unsecured Exposure
The document discusses a bank's policy regarding unsecured exposure. It defines unsecured exposure as a risk where the value of security is less than 10% of the outstanding exposure. Between 1967 and 1994, banks were required to limit unsecured guarantees to 15% of total advances. In 2004, the RBI deregulated policies and allowed banks to determine their own limits, requiring a 10% provision for expected losses on substandard accounts. Most banks now limit unsecured exposure to 35% of total exposure. Private banks tend to invest more in financial organizations like stock brokers and corporates, while public banks invest more in real businesses and venture capital funds.
Debuntures and term loans
This document discusses debentures and term loans as methods for companies to raise finance. It defines debentures as a type of loan issued by companies that pays a fixed rate of interest but does not give the holder ownership in the company. Term loans are defined as loans that must be repaid in regular installments over a set period of time at a specified interest rate. The document outlines the key features, types, advantages and disadvantages of both debentures and term loans as financing options for companies.
Non performing asset management
This document discusses non-performing assets (NPAs) in banks. It classifies NPAs into sub-standard, doubtful, and loss categories, with different provisioning requirements for each. It then outlines various internal and external factors that can lead to NPAs. The document also discusses strategies banks use to control and manage NPAs, including preventive measures like monitoring and curative measures like debt restructuring, loan settlements, and using legal tools like the SARFAESI Act to recover assets.
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avoiding shortcuts or overconfidence that could compromise safety. The document stresses concentrating on work, using
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Npa presentation
Non-performing assets (NPAs) refer to loans that are in default or close to being in default. The document discusses NPA classification, factors contributing to rising NPAs, early warning signs of potential NPAs, and methods to manage and recover NPAs. It also covers income recognition norms for banks related to NPAs, such as reversing interest not realized from NPAs and appropriating recoveries received from NPAs according to an agreed-upon order of priority.
NPA-
This document discusses non-performing assets (NPAs) in the Indian banking sector. It defines NPAs as loans where interest or principal payments are overdue by 90 days. NPAs hurt bank profitability, liquidity, and solvency. The growth of NPAs indicates inefficiencies in credit risk management. While NPAs pose a major challenge, banks must manage them to maintain a healthy banking environment. Quick identification, containment, and recovery of NPAs are essential, as is timely monitoring of loan accounts.
Npa management
This document discusses NPA (non-performing assets) management. It defines NPAs as loans that are overdue by over 90 days. It categorizes NPAs as substandard, doubtful, and loss assets and outlines the different provisioning rates banks must hold against each category. The document also discusses the types (gross and net NPA), causes, effects of rising NPAs on banks, and strategies banks use to prevent and cure high NPA levels like debt restructuring and asset reconstruction companies.
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.
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
Non Performing Assets - Banks
This document discusses non-performing assets (NPAs) in banks, particularly public sector banks in India. It notes that NPAs occur when borrowers default on loan repayments of principal or interest, representing credit risk for banks. Growing NPAs negatively impact banks by reducing profits from interest income, increasing provisioning costs, and eroding capital resources. The rise in Indian public sector bank NPAs in recent years was attributed to the global recession and domestic economic slowdown impacting corporate and SME borrowers. Data showed thirty large companies owed over $2 billion to public banks, and gross NPAs as a percentage of advances have been trending upward, representing stressed assets that banks must address going forward.
Non performing assets
This document provides information on non-performing assets and the SARFAESI Act in India. It defines what constitutes a non-performing asset and outlines different types of loans like term loans, demand loans, cash credits, and overdrafts. It also discusses asset classification, reasons for non-performing assets, and the key aspects of the SARFAESI Act which allows banks to seize collateral for loan defaults without court intervention.
Presentation Slides: Allowance for Loan Losses - Proposed Current Expected Cr...
Presentation Slides: Allowance for Loan Losses - Proposed Current Expected Cr...MHM (Mayer Hoffman McCann P.C.)
This document summarizes a presentation on the proposed Current Expected Credit Loss (CECL) model for calculating loan loss allowances. The presentation discusses how CECL differs from the existing incurred loss model by requiring lifetime loss estimates and consideration of forecasts. It notes CECL will likely increase allowances and their volatility. Operational challenges include developing life-of-loan loss data and forecasting economic conditions. Preparers are concerned about capital impacts while investors prefer CECL's timely loss recognition. Internal controls will need to adapt to CECL's increased complexity, subjectivity and regulatory scrutiny.Npa new
This document discusses non-performing assets (NPAs) in the banking sector. It defines NPAs as loans that are in default or where payments are delayed. It categorizes NPAs as sub-standard, doubtful, and loss assets based on the period of default. The document also discusses the provisioning required for different categories of NPAs, the effects of high NPAs on banks, and tools used by banks to recover NPAs such as the SARFAESI Act and debt recovery tribunals.
Management of np as imt
This document summarizes key aspects of managing non-performing assets (NPAs) for banks. It defines NPAs as loans that are overdue for more than 90 days. It discusses categories of NPAs, provisioning norms, and factors contributing to NPAs. It then outlines various NPA management strategies banks can take, including preventative measures, resolution through negotiation, Lok Adalats, corporate debt restructuring, and legal proceedings. The document also discusses selling NPAs to asset reconstruction companies or other banks.
Npa ppt
This presentation discusses non-performing assets (NPAs) in the Indian banking sector. It defines NPAs as loans where interest or principal payments are overdue for more than 90 days. NPAs hurt bank profitability, liquidity, and capital adequacy. Common causes of NPAs include willful defaults, diversion of funds, and an inability to raise capital. While banks have taken measures to manage NPAs like quick identification and monitoring, NPAs remain a major concern as they affect asset quality and bank survival. Proper NPA management is essential for a healthy banking environment.
Non performing assets in Banks
A non-performing asset (NPA) is a loan or advance where interest or principal remains overdue for a period of 90 days. NPAs are categorized as substandard, doubtful, or loss assets based on how long they have remained non-performing. The Reserve Bank of India mandates minimum provisioning norms for each category - 0.25% for standard assets, 10-100% for substandard/doubtful assets depending on period outstanding, and 100% for loss assets. The document provides gross and net NPA figures for a bank for the year ended March 2011, along with movement in provisions.
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.
Transfer of Loans (standard of assets))
RBI (Transfer of Loan Exposures) Directions have been issued in exercise of the powers conferred by the Sections 21 and 35A of the Banking Regulation Act, 1949 read with Section 56 of the Banking Regulation Act, 1949; Chapter IIIB of the Reserve Bank of India Act, 1934; and Sections 30A, 32 and 33 of the National Housing Bank Act, 1987
NPA - Non Performing Assets by Meka Santosh
NPA which is gobal problem for the banks with the borrower who they not pay money back to the banks with the given period of time.The silde have been describing toward INDIAN bank. More over it includes the impact, problem, solution and action taken by RBI and Govt of India to solve the issue of NPA.
Stressed assets
Stressed assets, which include NPAs, restructured loans, and written off assets, are a major economic risk for India's banking sector as stressed assets levels have increased. Stressed assets provide an important indicator of a bank's financial health. NPAs refer to loans where interest or principal has remained unpaid for 90 days or more. Restructured loans are problematic assets that have been modified through measures like extended repayment periods to avoid being classified as NPAs. Written off assets are loans that banks have removed from their financial statements through compensation. The high level of stressed assets, currently at 11.5% of total loans, poses a significant problem particularly for India's public sector banks.
Bank's Policy Regarding Unsecured Exposure
The document discusses a bank's policy regarding unsecured exposure. It defines unsecured exposure as a risk where the value of security is less than 10% of the outstanding exposure. Between 1967 and 1994, banks were required to limit unsecured guarantees to 15% of total advances. In 2004, the RBI deregulated policies and allowed banks to determine their own limits, requiring a 10% provision for expected losses on substandard accounts. Most banks now limit unsecured exposure to 35% of total exposure. Private banks tend to invest more in financial organizations like stock brokers and corporates, while public banks invest more in real businesses and venture capital funds.
Debuntures and term loans
This document discusses debentures and term loans as methods for companies to raise finance. It defines debentures as a type of loan issued by companies that pays a fixed rate of interest but does not give the holder ownership in the company. Term loans are defined as loans that must be repaid in regular installments over a set period of time at a specified interest rate. The document outlines the key features, types, advantages and disadvantages of both debentures and term loans as financing options for companies.
Non performing asset management
This document discusses non-performing assets (NPAs) in banks. It classifies NPAs into sub-standard, doubtful, and loss categories, with different provisioning requirements for each. It then outlines various internal and external factors that can lead to NPAs. The document also discusses strategies banks use to control and manage NPAs, including preventive measures like monitoring and curative measures like debt restructuring, loan settlements, and using legal tools like the SARFAESI Act to recover assets.
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avoiding shortcuts or overconfidence that could compromise safety. The document stresses concentrating on work, using
safety guidelines, and addressing any distraction problems through respectful communication to maintain safety.
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himmer@kollerauktionen.ch
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The document provides an overview of the doctrine of the Trinity according to Christianity. It defines the Trinity as God existing as three distinct persons - the Father, Son, and Holy Spirit - yet as one God. Several Bible passages are cited that reference all three persons together. Early church leaders before the 4th century are noted as defending the Trinity. Common misunderstandings about the Trinity are addressed.
Ripple mms
This document provides an introduction to market making on the Ripple network. It discusses key concepts such as gateways that provide access to different currencies, the role of market makers in providing liquidity and facilitating payments, and how Ripple's pathfinding algorithm seeks the cheapest route for payments. It also describes how XRP, the native digital asset, serves as a bridge currency and helps secure the network from spam.
Diarrhoea
"Diarrhoea-This is characterized by 3 or more watery schools per day or having more stools than is normal for that person. Almost everybody has diarrhoea at some point in their lives. Diarrhoea may be a cause of concern because it may cause the more life threatening dehydration. Mindheal homeopathy can help in the treatment of diarrhoea."/>
Piloting groups
Piloting groups
SGSCC (Serious Games for Social & Creativity Competence) project organised a dedicated workshop “Social competences & creativity as a stepping stone towards personal growth, social development and employability” on 17 December 2014 in Brussels, Belgium at VLEVA premises, focusing on the importance of social skills and creativity for people with disabilities which is fundamental to both social integration and professional self-realisation.
http://games4competence.eu/
The SGSCC (Serious Games for Social & Creativity Competencies – 531134-LLP-1-2012-1-BG-KA3-KA3MP) project has been partially funded under the Lifelong Learning program. This web site reflects the views only of the author(s), and the Commission cannot be held responsible for any use which may be made of the information contained therein.
A fowl
Eoin Colfer is an Irish author best known for writing the popular Artemis Fowl series about a young criminal mastermind. The first Artemis Fowl book was published in 2001 to much success. It introduces 12-year-old protagonist Artemis Fowl II, who learns of the existence of fairies and captures one named Holly Short in order to ransom her for gold and restore his family's fortune. Holly must complete a fairy ritual while imprisoned to replenish her magic and eventually escapes. Artemis outwits the fairy police and becomes the first human to survive an encounter with the fairies.
Haberdashery Folio 2009
Haberdashery is a London-based design studio formed in 2007 specializing in production design, industrial design, graphics, and lens-based media. The studio is fueled by experimentation through its independent Hablab program, pushing creativity with new materials, techniques, and technologies. Haberdashery clients include global brands like Sony, Selfridges, and Nokia. Through Hablab, the studio partners with companies to produce visual campaigns and design solutions redirecting waste materials.
What's New in Postgres 9.4
View this presentation to get an overview of the eight major features in Postgres 9.4. It also includes an overview of the new JSONB data type and infrastructure improvements laying the groundwork for post-9.4 features and the future direction of Postgres feature development.
Whether you are new to Postgres or a veteran PostgreSQL or Postgres Plus Advanced Server user, this presentation will improve your database plans for 2015.
To listen the recording visit EnterpriseDB > Resources > Webcasts > Ondemand webcasts.
Contact sales@enterprisedb.com to schedule a personal overview of Postgres and pricing.
Drought Tolerant Landscaping - Toronto, Canada
The document provides information on drought tolerant landscaping for development projects in Toronto. It discusses the Toronto Green Standard requirement for 50% water efficient and native plant species. It then lists commonly planted drought tolerant trees, shrubs, perennials, grasses, and groundcovers. The document also describes several native southern Ontario drought tolerant landscape types, including the Carolinian Forest landscape characterized by deciduous broadleaf trees. The key is selecting plants suited to site conditions and establishing them properly during the first year.
Biography chinua achebe
Chinua Achebe was a Nigerian novelist, poet, professor, and critic best known for his novel Things Fall Apart. He was born in 1930 in Ogidi, Nigeria and excelled at school, winning a scholarship to university. After graduating, he worked for Nigerian broadcasting and supported Biafran independence. Since 2009, he has been a professor at Brown University. Achebe was highly educated and published several influential works exploring Igbo culture and the collision with European values.
Earth led growled growcube
The EarthLED GrowLED GrowCube Lamp is a low-cost LED grow light solution that uses 112 LEDs and consumes only 14 watts of power, helping indoor gardeners save on electricity costs. It provides adequate light for plant growth without the expense of traditional grow lights. At a low price point, it allows users to construct an effective indoor garden setup with minimal costs.
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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.
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.
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 an overview
This document discusses non-performing assets (NPAs) in the Indian banking sector. It defines NPAs as loans that are overdue for over 90 days. Growing NPAs negatively impact banks' profitability, asset quality, and ability to lend. The document analyzes NPA growth rates between 2000-2011 and the effects of high NPAs, which include reduced returns, higher costs of capital, and banks focusing more on recovery than expanding business. It also discusses strategies for managing NPAs, like quick identification, containment, and timely monitoring and assessment of borrowers.
Bank Audit _NPA_13.04.20_CA Akesh Vyas
The document discusses NPA norms for agriculture loans. It states that separate NPA norms apply only for farm credit like crop loans, and loans must be for activities listed in an RBI annexure. For agriculture loans, short duration crop loans become NPA if overdue for 2 crop seasons, and long duration loans if overdue for 1 crop season. Relief from NPA classification is provided if loans are restructured due to natural calamities declared by the government.
MANGEMENT OF NPA.pptx
Non-Performing Assets or NPA are like a cancer worm that has been destroying the banking system of India slowly and steadily. NPA are bad loans with banks or other financial institutions whose interests and or principal amounts are overdue for a long time. This time is usually 90 days or more. Like any other business, banks also must run on profits, but NPA eats into that margin for banks.
Substandard Assets : A sub-standard asset was one, which was classified as NPA for a period not exceeding two years. With effect from 31 March 2001, a sub-standard asset is one, which has remained NPA for a period less than or equal to 18 months. Doubtful Assets : A doubtful asset was one, which remained NPA for a period exceeding two years. With effect from 31 March 2001, an asset is to be classified as doubtful, if it has remained NPA for a period exceeding 18 months. Loss Assets : This occurs when the NPA has been recognized as a loss by the bank, or the internal or external auditor or on Reserve Bank of India (RBI) inspection but the loan has not been forgiven completely.
Banks’ lending to persons/corporations etc. who are not creditworthy and taking high risks.
Banks are not diminishing their losses by understanding their bank’s sufficiency on capital and loan loss reserves at a given time;
Promoter of Companies redirecting their funds elsewhere. Banks trying to fund non-viable projects.
In the initial part of the 1990s, Public Sector Banks started experiencing acute capital shortage and losses. The targets set for their operation did not project the utmost need for these corporate goals.
The banks had very little autonomy to price their products; offer products to preferred sectors or spend money for their own profits. For example, Banks were forced to lend to priority sector namely agriculture due to political pressure.
Deficient means to collect and distribute credit information amongst commercial banks;
Banks’ lending to persons/corporations etc. who are not creditworthy and taking high risks.
Banks are not diminishing their losses by understanding their bank’s sufficiency on capital and loan loss reserves at a given time;
Promoter of Companies redirecting their funds elsewhere. Banks trying to fund non-viable projects.
In the initial part of the 1990s, Public Sector Banks started experiencing acute capital shortage and losses. The targets set for their operation did not project the utmost need for these corporate goals.
The banks had very little autonomy to price their products; offer products to preferred sectors or spend money for their own profits. For example, Banks were forced to lend to priority sector namely agriculture due to political pressure.
Deficient means to collect and distribute credit information amongst commercial banks;
Banks must identify early that there is going to be a non-payment and report it to the Central Repository of Information on Large Credits (CRILC).
Non Performing Assets
A non-performing asset (NPA) refers to a loan or advance that is in default or in which scheduled payments have not been made for over 90 days. NPAs are classified as substandard, doubtful, or loss assets depending on how long they have been non-performing. Rising NPAs are a major threat to the banking sector and are caused by factors like bad lending practices, competition, internal management issues, economic crises, and external environmental conditions. High NPAs reduce bank profitability and liquidity. Tools used to recover NPAs include lok adalats, debt recovery tribunals, the SARFAESI Act of 2002, compromise settlements, and credit information bureaus. The Indian government
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Bhima Subrahmanyam: Co-operatives Contribute to Build a Better World
Bhima Subrahmanyam at the International Co-operative Alliance Global Conference in Cape Town, November 2013.
NPA
The document discusses non-performing assets (NPAs) in the Indian banking system. It defines key NPA terms like gross NPA, net NPA, and standard, substandard, doubtful, and loss assets. It identifies causes of NPAs on both the borrower side, like lack of planning and fund diversions, and banker side, like defective sanctioning and slow decision making. It outlines RBI guidelines on NPA classification and provisioning requirements. Methods for recovering NPAs like Debt Recovery Tribunals, Lok Adalats, SARFAESI Act, and asset reconstruction companies are summarized.
Nrb directives and their compliance
Nepal Rastra Bank introduced new consolidated directives in accordance with the BFI Act and Basel II principles to ensure financial stability and discipline in the Nepalese banking industry. The directives establish regulations in areas such as capital adequacy, loan classification and provisioning, credit concentration limits, accounting policies, risk management, corporate governance, compliance, investment policies, reporting requirements, and interest rates. Banks and financial institutions are responsible for complying with the 16 directives, which cover topics such as capital adequacy, loan classification, credit limits, accounting standards, risk minimization, governance, compliance, investments, reporting, transfers of promoter shares, consortium financing, credit information, reserves, branch expansion, interest rates, and financial resource generation
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Indian Banking entering the new era of Basil III and Financial Inclusion
The document discusses non-performing assets (NPAs) in the Indian banking sector and how upcoming Basel III regulations and financial inclusion efforts will impact the sector. It provides details on how NPAs are classified and calculated. Global NPA levels are compared, showing they are not solely correlated with GDP and are influenced more by economic conditions and policies. Factors influencing Indian NPAs are analyzed, such as GDP growth, exchange rate fluctuations, and stock market performance.
Sharon_Resume
The document is a resume for a Credit Analyst & Bank Operations Professional based in the United Arab Emirates seeking a senior role in finance, accounting, or risk management. She has over 6 years of experience in credit management, SME operations, risk management, and retail banking at Bank of Baroda in Bangalore, India, where she handled credit appraisal, documentation, disbursement, NPA management, and ensured regulatory compliance. She holds an MBA in Finance and has a track record of successfully managing credit proposals over $150 million.
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The document discusses guidelines related to management and classification of non-performing assets (NPAs) for banks. It defines what constitutes an NPA and provides classifications such as sub-standard, doubtful, and loss assets. It specifies timelines for classifying assets under each category and provisioning requirements ranging from 10-100% depending on the classification. The document also discusses income recognition policies for NPAs and outlines the broad components that should be included in an NPA management policy for banks.
Understanding-Risk-Management-Framework-in-NBFCs.pdf
This document discusses the importance of risk management frameworks for non-banking financial companies (NBFCs) in India. It outlines several types of risks NBFCs face, including credit, liquidity, interest rate, and operational risks. It also describes how NBFCs are interconnected with banks and other financial institutions, creating systemic risks. The document then examines key aspects of risk management frameworks for NBFCs in India, such as liquidity risk management, risk-based internal auditing, and capital adequacy requirements. It emphasizes the need for robust risk management practices given recent crises among some large NBFCs.
Presentation NPAs
This document provides a summary of a seminar presentation on non-performing assets (NPAs) for a master's program. It introduces the State Bank of Patiala and Oriental Bank of Commerce, defines NPAs and their categories. It discusses the provisioning norms for NPAs, their impact on banks, underlying reasons for NPAs in India, preventive measures, and international practices. The objectives, scope and limitations of the study are outlined. Research methodology discusses the problem being addressed and the research design.
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This PPT is useful for SYBMS Finance Specialization students
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This article describes the concepts regarding Non-performing Assets like Meaning, Classifications, Causes, and the impacts of NPA in short.
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The practice of lending and borrowing is millenniums old. The concept of banking was incepted ever since humans started engaging in economic transactions of any kind. The banking system has evolved since then. We have well-established banks now in the 21st century-huge ones having more than $1 trillion in assets. The banking (or credit) sector is one that hold the reins of the world economy. Without the presence of a well-established credit-system, we cannot expect the economy to roll on. A dynamic banking system is essential for a thriving economy.Similar to NPA (20)
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Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
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The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
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Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strategies
How Does CRISIL Evaluate Lenders in India for Credit Ratings
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
An Overview of the Prosocial dHEDGE Vault works
How the prosocial dHEDGE earns you money while saving the world!
Who Is the Largest Producer of Soybean in India Now.pdf
This blog explores the current largest producer of soybean in India and the factors contributing to their dominance.
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trendsLabour Market Information Council | Conseil de l’information sur le marché du travail
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.The Impact of GST Payments on Loan Approvals
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
1. Elemental Economics - Introduction to mining.pdf
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
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Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
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NPA
- 1. MANAGEMENT OF NON-PERFORMING ASSETS Omika Bhalla
- 2. DEFINITION OF NPAS A NPA is a loan or an advance where; Interest and/ or installment of principal remain overdue for a period of more than 90 days in respect of a term loan, The account remains “out of order” in respect of an overdraft/ cash credit The bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted The installment or interest remains overdue for two crop seasons in case of short duration crops and for one crop season in case of long duration crops Presented by Mr. S. Ravi 2
- 3. CATEGORIES OF NPA Substandard Assets – Which has remained NPA for a period less than or equal to 12 months. Doubtful Assets – Which has remained in the sub-standard category for a period of 12 months Loss Assets – where loss has been identified by the bank or internal or external auditors or the RBI inspection but the amount has not been written off wholly. Presented by Mr. S. Ravi 3
- 4. PROVISIONING NORMS Standard Assets – general provision of a minimum of 0.25% Substandard Assets – 10% on total outstanding balance, 10 % on unsecured exposures identified as sub-standard & 100% for unsecured “doubtful” assets. Doubtful Assets – 100% to the extent advance not covered by realizable value of security. In case of secured portion, provision may be made in the range of 20% to 100% depending on the period of asset remaining sub-standard Loss Assets – 100% of the outstanding Presented by Mr. S. Ravi 4
- 5. FACTORS CONTRIBUTING TO NPAS Poor Credit discipline Inadequate Credit & Risk Management Diversion of funds by promoters Funding of non-viable projects In the early 1990s PSBs started suffering from acute capital inadequacy and lower/ negative profitability. The parameters set for their functioning did not project the paramount need for these corporate goals. The banks had little freedom to price products, cater products to chosen segments or invest funds in their best interest Presented by Mr. S. Ravi 5
- 6. FACTORS CONTRIBUTING TO NPAS Audit and control functions were not independent and thus unable to correct the effect of serious flaws in policies and directions Banks were not sufficiently developed in terms of skills and expertise to regulate the homogenus growth in credit and manage the diverse risks that emerged in the process Presented by Mr. S. Ravi 6
- 7. FACTORS CONTRIBUTING TO NPAS Inadequate mechanism to gather and disseminate credit information amongst commercial banks Presented by Mr. S. Ravi 7
- 8. IMPACT OF NPAS ON OPERATIONS Drain on Profitability Impact on capital adequacy Adverse effect on credit growth as the banker’s prime focus becomes zero percent risk . Excessive focus on Credit Risk Management High cost of funds due to NPAs Presented by Mr. S. Ravi 8
- 9. NPA MANAGEMENT – PREVENTIVE MEASURES Formation of the Credit Information Bureau (India) Limited (CIBIL) Release of Wilful Defaulter’s List. RBI also releases a list of borrowers with aggregate outstanding of Rs.1 crore and above against whom banks have filed suits for recovery of their funds Reporting of Frauds to RBI Norms of Lender’s Liability – framing of Fair Practices Code with regard to lender’s liability to be followed by banks, which indirectly prevents accounts turning into NPAs on account of bank’s own failure Presented by Mr. S. Ravi 9
- 10. NPA MANAGEMENT – PREVENTIVE MEASURES Risk assessment and Risk management RBI has advised banks to examine all cases of wilful default of Rs.1 crore and above and file suits in such cases. Reporting quick mortality cases Presented by Mr. S. Ravi 10
- 11. NPA MANAGEMENT - RESOLUTION Compromise Settlement Schemes Restructuring / Reschedulement Lok Adalat Corporate Debt Restructuring Cell Debt Recovery Tribunal (DRT) Proceedings under the Code of Civil Procedure Board for Industrial & Financial Reconstruction (BIFR) National Company Law Tribunal (NCLT) Sale of NPA to other bank Presented by Mr. S. Ravi 11