A powerful presentation on non performing assets which very much influencial when presented before others. Being a law student, I myself created the presentation and presented before the elite authorities which impressed them to a larger extent.
A powerful presentation on non performing assets which very much influencial when presented before others. Being a law student, I myself created the presentation and presented before the elite authorities which impressed them to a larger extent.
NPA - Non Performing Assets by Meka SantoshSantosh Meka
ย
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.
NPA - Non Performing Assets by Meka SantoshSantosh Meka
ย
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.
This PPT is useful for SYBMS Finance Specialization students
CLASS: SYBMS (FINANCE)
SUB:- BASICS OF FINANCIAL SERVICES
CHP:- 4 Development Banks &
Commercial Banks
Level Setting and Peering Around the Cornerโ Tips for Success in Your Organiz...Aggregage
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This pandemic has tested the foundation of banks and the strength of the dollar. With all of us facing the same crisis, we are left with the same key questions, "Where are we now?" "Where are we going?" "How are we going to get there?" and "What impediments must we overcome?" Join Steve Andrews, President & CEO of the Western Bankers Association, for CBB's groundbreaking webinar! This exclusive webinar will go over the insider information your bank needs for level setting and peering around the corner. Steve will provide actionable insights, best practices, and real-world examples of the changing landscape of community banking.
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Explore the world of the Taurus zodiac sign. Learn about their stability, determination, and appreciation for beauty. Discover how Taureans' grounded nature and hardworking mindset define their unique personality.
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This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
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๐๐ ๐๐จ๐ฆ๐ฌ (๐๐ ๐๐จ๐ฆ๐ฆ๐ฎ๐ง๐ข๐๐๐ญ๐ข๐จ๐ง๐ฌ) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
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RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
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Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
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A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
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Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
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The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
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At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
[Note: This is a partial preview. To download this presentation, visit:
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Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
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CONTENTS
1. Introduction and Key Concepts of Sustainability
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Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
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2. Introduction
โข A Non-Performing Asset is a debt
obligation or a loan or advance for
which the borrower has not paid
principal or interest repayments to the
designated lender for a period of 90
days.
โข Generally, the measurement of health
and financial condition of a bank is
with the proportion of non-
performing or bad assets with it.
3. The NPAโs can be differentiated on
the basis of the repayment status in
its terms into following categories:
โข Standard asset: Asset which carries no more
than normal risk and does not disclose any
credit problems.
โข Substandard Asset: An asset that is NPA for a
period of less than or equal to 12 months.
โข Doubtful Asset: An asset that is a substandard
asset for a period of more than 12 months.
โข Loss Asset: An asset that is NPA for a period of
more than 36 months.These assets are to be
written off.
4. Issues that bank face with more number
of NPAโs are:
โข Profitability
โข Reduce in the cash flow which in turn leads
to decreased earnings and disturbance in
the budget plan.
โข Liability Management
โข Capital Adequacy
โข Asset (Credit) Contraction
โข Shareholdersโ Confidence
โข Public Confidence
5. Why assets become NPA? (Internal Factors)
โข Funds borrowed for a particular purpose but not
use for the said purpose.
โข Project not completed in time, poor recovery of
receivables and excess capacities created on non-
economic costs.
โข In-ability of the corporate to raise capital through
the issue of equity or other debt instrument from
capital markets.
โข Business failures.
6. โข Diversion of funds for expansion modernization
setting up new projects helping or promoting sister
concerns.
โข Wilful defaults, siphoning of funds, fraud, disputes,
management disputes, miss-appropriation etc.
โข Deficiencies on the part of the banks viz. in credit
appraisal, monitoring and follow-ups, delay in
settlement of payments etc.
7. External Factors
1. Sluggish legal system -
๏ง Long legal tangles
๏ง Changes that had taken place in labour laws
๏ง Lack of sincere effort.
2. Scarcity of raw material, power and other
resources.
3. Industrial recession.
8. โข Shortage of raw material, raw materialinput price escalation,
power shortage, industrial recession, excess capacity,
natural calamities like floods, accidents.
โข Failures, non payment over dues in other countries,
recession in other countries, externalization problems,
adverse exchange rates.
โข Government policies like excise duty changes, Import
duty changes etc.,
9. Top five sectors with most
exposure to banks NPAs
โข Five sectors alone account for 60% of the total stressed
assets on the books of banks in India
โข These sectors are steel, power, telecom, infrastructure and
textile.
โข By end of FY17, banks had gross non-performing assets
(NPAs) of 9.5% of gross advances valuing up to Rs 7.65 lakh
crore.
โข GNPAs of a total 21 PSBs stood at Rs 6.19 lakh crore, rising
by 19.96% compared to Rs 5.16 lakh crore in the similar
period of the previous year
14. Effects of NPAs
โข Lenders suffer lowering of profit margins.
โข Higher interest rates by the banks to maintain the profit
margin.
โข Redirecting funds from the good projects to the bad
ones.
โข As investments got stuck, it may result in
unemployment.
โข Investors do not get rightful returns.
โข NPAs related cases add more pressure to already
pending cases with the judiciary.
15. Measures Taken
โข The Debt RecoveryTribunals (DRTs) โ 1993
โข Credit Information Bureau โ 2000
โข SARFAESI Act โ 2002
โข Mission Indradhanush โ 2015
โข Sustainable structuring of stressed assets (S4A) โ
2016
โข Insolvency and Bankruptcy code Act-2016
โข Bad Banks โ 2017
16. Actions Taken by RBI
โข There are about Rs. 12 lakh crore of stressed assets
in the nationโs banking framework.
โข Asset Quality Review (AQR): By RBI in 2015, this
pushed the banks towards straightforward
acknowledgement and characterisation of NPAs in
all cases.
โข National Companies LawTribunal(NCLT): By RBI,
most cases will be alluded to the NCLT by October
2017, most resolutions will be set up by June 2018.
โข The bad loan circumstances should be mitigated by
2019.
17. Conclusion
โข To make a comprehensive administrative structure for
FICO scores alongside an umbrella controller.
โข To limit the chance of administrative arbitrage
โข Banks moving towards genuine hazard based evaluating in
this manner urging borrowers to get themselves rated.
โข The Financial Stability Board (FSB) which incorporates
individuals from G20, had set up the Implementation Group
on Credit Rating Agencies.
โข The FSB, in its as of late distributed peer review report on
national authorities; execution of the FSB Principles for
Reducing reliance on CRA Ratings finds that Indian
administrative regime has set up frameworks and
strategies to create internal credit risk evaluation and due
constancy by the market members.