P. 1
smeone questn

smeone questn

|Views: 3|Likes:
Published by Chitra Sahu

More info:

Published by: Chitra Sahu on Jul 25, 2011
Copyright:Attribution Non-commercial

Availability:

Read on Scribd mobile: iPhone, iPad and Android.
download as DOCX, PDF, TXT or read online from Scribd
See more
See less

07/25/2011

pdf

text

original

QUESTIONNAIRE FOR

CREDIT QUALITY AND NPA MANAGEMENT OF BANKS
BANK NAME: ............................................................................................................................. ....
PLACE: ....................................................................................................................... .....................
HEAD OFFICE: ................................................................................................................ ................
BRANCHES: .................................................................................. ..................................................
MANAGER: .................................................................................................................... ................ .
CONTACT NO. .................................................. ............................................................................. .

Q1. Advances for the last 3 years
Year Advances Dominant Sector
2009
2010
2011

Q2. Gross NPA for the last 3 years
Year Gross NPA NPA more in which Sector
2009
2010
2011

Q3. Sector-wise Advances and NPA of the bank for the year ending 31
st
March, 2011
Sector Advances Gross NPA
Agriculture
SME
Retail Assets
Services
Infrastructure

Q4. Retail Assets Loan Portfolio of the bank for the year ending 31
st
March, 2011
Schemes Advances Gross NPA
Suvidha
Education
Housing
Car
Consumer Durable
Senior Citizen
Rent


Mortgage
Doctor
Others

Q5. Methods applied for Loan Policy Compliance
² Fair Practices Code
² KYC
² Credit Information Bureau and Credit Information
² Credit Reports from Bankers
² Guarantors
² Others please specify..................
Q6. When is the account classified as Potential NPA?
Income not generated for 1 month Income not generated for 2 months
Any other criteria please specify...............
Q7. What is the name of the account in which the Potential NPAs are classified?
Special Mention Account Standard ͚B͛ Account
Any other, please specify...............
Q8. What steps are taken to prevent the conversion of Potential NPAs into NPAs?
............................................................................................... ...............................................
............................................................................................................................. .................
................................................................. .............................................................................
Q9. Visit Registers are maintained for the follow-up
Yes No
Q10. At what level does the bank have a Credit Recovery Department?
² Branch
² Zone
² Region
² Head Office
Q11. Problems faced by the bank in Credit Recovery
............................................................................................................................. .................
................................................................ ..............................................................................


............................................................................................................................. .................
Q12. Reasons for maximum NPA in a particular sector for the year ending Mar 31
st
, 2011
............................................................................................................................. .................
............................................................ ..................................................................................
............................................................................................................................. .................
Q13. Suggestions to reduce the NPAs for the bank
............................................................................................................................. .................
............................................................................................. .................................................
............................................................................................................................. .................

THANK YOU

......... Q6. Visit Registers are maintained for the follow-up Yes No Standard B Account Income not generated for 2 months Q10.............................................................................. ......... ......................................... please specify...................................... ............. What is the name of the account in which the Potential NPAs are classified? Special Mention Account Any other......... ... ...... At what level does the bank have a Credit Recovery Department? ² Branch ² Zone ² Region ² Head Office Q11................................................................................................................................................................................................................... What steps are taken to prevent the conversion of Potential NPAs into NPAs? ............. Q9............ Methods applied for Loan Policy Compliance ² Fair Practices Code ² KYC ² ² ² ² Credit Information Bureau and Credit Information Credit Reports from Bankers Guarantors Others please specify.........................Mortgage Doctor Others Q5......... ........ Q7................. When is the account classified as Potential NPA? Income not generated for 1 month Any other criteria please specify.................................................................................. .......................... ............................. .................................................................. Q8......................... Problems faced by the bank in Credit Recovery .....................................

You're Reading a Free Preview

Download
scribd
/*********** DO NOT ALTER ANYTHING BELOW THIS LINE ! ************/ var s_code=s.t();if(s_code)document.write(s_code)//-->