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  • NPA Reduction Analysis and Impacting Factors

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    nkathiriya9
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    The report contains the factors affecting NPA and their reduction to develop framework or detailed report to reduce NPA

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    The report contains the factors affecting NPA and their reduction to develop framework or detailed report to reduce NPA

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    5 views2 pages

    NPA Reduction Analysis and Impacting Factors

    Uploaded by

    nkathiriya9
    The report contains the factors affecting NPA and their reduction to develop framework or detailed report to reduce NPA

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 2

    Nirmal Kathiriya

    NPA REDUCTION AFFECTING


    FACTORS



    Substandard asset are high: in public & foreign bank & Schedule commercial bank
    Doubtful asset are high: private bank


    NPA reduction analysis and impacting factors.
    Decide project specific or industry specific financial ratios base line (solution)
    Cross check the purpose of loan
    Regularity in EMI payment/ payment schedule
    Behavioural sketch
    Recovery mechanism
    Limiting line for borrower
    Income recognition
    Asset classification / proper security
    Unrealistic target
    Proper mathematical model to calculate the requirement of borrower/project
    Fund utilisation (proper/improper)
    Price escalation
    Exchange rate fluctuation
    Recession
    Inflation
    Inefficient management
    Poor credit Appraisals, monitoring and follow up

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