Scribd Logo
Upload

Welcome to Scribd!

  • Provisioning Norms For NPA

    Uploaded by

    27akshika
    21 views2 pages
    The document outlines provisioning norms and rates for different categories of non-performing assets (NPAs) applicable for bank exams in May 2012. Standard advances have a provisioning rate of 0.25-1%, sub-standard advances are 15-100% with secured lower than unsecured, doubtful advances have provisioning rates ranging from 15-100% depending on how long the loan is doubtful for, and loss advances require 100% provisioning.

    Original Description:

    Provisioning Norms

    Original Title

    Provisioning Norms for NPA

    Copyright

    © Attribution Non-Commercial (BY-NC)

    Available Formats

    PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    Report this Document
    The document outlines provisioning norms and rates for different categories of non-performing assets (NPAs) applicable for bank exams in May 2012. Standard advances have a provisioning rate of 0.25-1%, sub-standard advances are 15-100% with secured lower than unsecured, doubtful advances have provisioning rates ranging from 15-100% depending on how long the loan is doubtful for, and loss advances require 100% provisioning.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PDF, TXT or read online from Scribd
    Flag for inappropriate content
    21 views2 pages

    Provisioning Norms For NPA

    Uploaded by

    27akshika
    The document outlines provisioning norms and rates for different categories of non-performing assets (NPAs) applicable for bank exams in May 2012. Standard advances have a provisioning rate of 0.25-1%, sub-standard advances are 15-100% with secured lower than unsecured, doubtful advances have provisioning rates ranging from 15-100% depending on how long the loan is doubtful for, and loss advances require 100% provisioning.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 2

    Provisioning Norms for NPAs

    Rates of provisioning for Non Performing Assets applicable for May 2012 exams:
    Category of Advances Standard Advances: Direct Advances to agriculture and SME Advance to Commercial Real Estate (CRE) sector All other loans and advances not included above Revised Rate (%) 0.25 1.00 0.40 15 25 20 100 25 40 100 100

    Doubtful Advances secured portion: For Doubtful upto 1 year For Doubtful >1 year and upto 3 years For Doubtful >3 years Loss Advances:

    ht

    tp

    Doubtful Advances unsecured portion:

    ://

    Sub Standard Advances: Secured Exposures Unsecured Exposures Unsecured Exposures in respect of infrastructure loan accounts where certain safeguards such as Escrow accounts are available

    Ah

    el

    pe

    rs

    .in

    You might also like