Professional Documents
Culture Documents
Dt :10-03-2003
Dear Sir,
Re : MASTER CIRCULAR ASCROM SYSTEM:
ASCROM system was introduced in our bank in Sep1998 with the objective of creating
a Comprehensive Database of Advances Accounts for scientific credit administration.
The concerted effort by all concerned in this exercise has enabled creation of
comprehensive database of approx. 20 lac records, which are being updated regularly at
quarterly intervals.
This system has been designed to capture data on Advances by all domestic
branches and generate various reports / returns for a focused credit
administration.
The enabling factor in creation of such a comprehensive database is that the providers
of basic data are also the direct beneficiaries of analyzed information generated
by the system. Generation of advances closing returns for all branches in the bank,
standardization of income recognition and provision calculations and consolidation of
Master Summary of advances at Zonal/ Regional level has been simplified through
ASCROM System. Statutory returns viz. Credit Control Returns, DSB returns (Sec-4),
BSR-1, ALM Reports are being generated directly from the database updated by the
branches. Besides, potential NPAs are identified one quarter in advance along with the
Critical Amount Due (CADU) for enabling branches in focusing their recovery efforts in
objective manner. Several other analytical reports are also generated to guide
operational units in maintaining good asset quality. Consequently, branches have been
relieved from preparing such reports manually and focus their efforts optimally by
reversing information flow from controlling offices to branches. Therefore, it
should be our endeavor to effectively utilize the man-hour thus saved in business
development and better credit administration.
We have been issuing Circulars on the use of ASCROM system by branches, from time
to time. This MASTER CIRCULAR is being issued consolidating the instructions issued
on ASCROM system by the Bank, which are operational as on the date of this circular.
The details of the Circulars issued on ASCROM system are as per list in the Annexure I.
Yours faithfully,
(V.Chandrasekhar)
General Manager(IT) & CIO
Encl: Annexures I -V
1
ASCROM SYSTEM :
GENERAL:
ASCROM : stands for ASSET CLASSIFICATION AND CREDIT MONITORING
SYSTEM. The software is developed in FOXPRO for DOS platform.
ASCROM system was first implemented in all the branches in September 1998
and all the domestic branches are updating the Advances database at
QUARTERLY intervals. Advances data has been updated upto 31-12-2002
through the software. Advances Closing Returns & Master Summaries generated
through ASCROM system have been subjected to Audit since March 1999.
Hardware requirement for Branch/Region/Zone : The minimum Hardware
requirement for updation through ASCROM is as under:
Pentium I or higher with 16 mb RAM and 4 GB hard disk space. The more the
data the higher the Harddisk space.
TERMINOLOGY USED :
CAD Critical Amount in Default It is the amount due to default of which, the
account is classified as NPA and if the same is recovered, the Account shall be
upgraded to STANDARD category.
CADU - Critical Amount Due It is that overdue amount, which is to be
recovered to RETAIN THE ACCOUNT IN STANDARD category. This amount
appears in the list of POTENTIAL NPA category.
SALIENT FEATURES OF ASCROM SYSTEM:
To create error-free and Comprehensive Database of Advance accounts
Decentralised Data updating allows capturing information in short time
Asset Classification of Advance accounts by the system
Calculation of provisions as per RBI norms and MOC incorporation through
System, as per the suggestions of Auditors
Identification of Potential NPAs 3- months in advance along with Critical
Amount Due, as well as the Non-financial reasons.
Extensive Parameterisation
Access control to Main system defined through Multi-level user Ids
Execution of changes in Parameter file and information of sensitive nature is
tracked through user ID history
Extensive Validation of data options available for validation of data.
Generation of list of accounts being degraded and upgraded for branches,
before data processing, for rechecking the status of accounts.
The database created through ASCROM should be used at Regional and Zonal
levels for generating various reports available in the Menu. In respect of
information which is not available through menu, but available in the database,
the IT Officers at RO/ZO can use the Dbf. Files and retrieve the required
information for the user departments. The objective is to retrieve as much
information as possible from the database itself without approaching the
branches afresh every time.
GUIDELINES FOR TIMELY UPDATION AT QUARTERLY INTERVALS
COMPLETION OF ANNUAL AUDIT EXERCISE SYSTEMATICALLY :
AND
RESOURCE TEAMS :
Resource Persons Teams at ZO/RO and Branch level have to be constituted as the
exercise of Updation is a team approach. Any compromise in this regard will eventually
result in irregular monitoring of progress and avoidable delays in completion of the task.
If the necessary support is not ensured in the initial stage itself, delayed support at later
stage may not compensate for the deviations in this regard.
The Zonal team will function under the overall leadership of Chief Manager, with
Sr.Managers from Credit, Audit & Insp and IT. Regional Teams will be constituted under
the leadership of respective Regional Managers. The other team members will be
Sr.Managers/Managers from Credit, A&I, PS and IT. Each member of the team at RO,
may be assigned a cluster/group of branches or a nodal centre for monitoring progress
of updation in the branches/off-site updation centres on daily basis. Similarly members
of the team at ZO, shall monitor the progress on daily basis of allocated Regions. The
monitoring machinery should function in such a way that details of progress is
communicated to ASCROM cell, Central Office & to Zonal Office, on the same day in the
prescribed format.
The contact telephone, Fax, e-mail addresses of Central, Zonal and Regional resource
persons should be made available to the branches. All software related problems should
be communicated to ASCROM CELL without delay.
ALPHA
AMOUNT TOTAL
OF
PARKED RV OF
PARKED
SECURI
BR
TY
PROP RV
FOR
PARKED
BR
IRAC
OF
PARE
NT
BR
LAST
DATE &
NEXT
DUE
DATE
OF REV
Regional Office will maintain a list of Parked Accounts of the Region, in the following
format :
BORR ALPHA
NAME OF
PARENT
BR
BONO
OF
PARENT
BR
ALPHA
BONO
AMT
TOTAL PROP IRAC
OF
PARKED PARKED RV
RV
PARENT
PARKED BR
BR
BR
The Resource Team of ASCROM at RO, shall ensure that the necessary information
about parked accounts is incorporated at the time of updation in ASCROM system and
duly verified before submission of data to Zonal Office / ASCROM CELL, CENTRAL
OFFICE. The validated information must be kept ready and made available at the time of
Audit.
RESIDUAL MATURITY OF ADVANCES : ALM 22 VALIDATION :
Branches are advised to initiate the following and note the same for MARCH 2003
Updation and Audit of Return - ALM 22 Residual Maturity of Advances :
1. Supplementary Report for Credit ALM (Closing Return No:22) is generated
from ASCROM SYSTEM by selecting the option: AUDIT->SUPPLEMENTARY
ALM ->BRANCH
2. This report comprises of Standard Advances (Part A), NPA (Part B) and Total
Advances classified into various buckets as per their Residual maturity, as per
RBI guidelines.
3. Standard Advances Part A is reclassified into Bills group (Part I)(GLCode
2245), CC/OD/DL group (Part II)(GLCode 2345) and Term Loans group (Part
III)(GLCode2445). The grouping of Standard advances is as per our Closing
Return No:1 and same GL Codes are incorporated so as to verify the same.
4. Gross NPA (Part B) is classified into 2- buckets in Residual Maturity
classification. Substandard advances are classified into 3-5 yrs bucker and
Doubtful/Loss advances are classified into above 5- years bucket, as per RBI
guidelines.
5. Total Advances should tally with Master Summary 19 generated from ASCROM.
The following are the main reasons for the differences between the total
advances of Supplementary ALM 22 Report and Master Summary of Advances:
a. Minor differences occur due to rounding off effect in instalment amounts,
in respect of Demand Loan/Term Loan accounts with high repayment
periods and high Principal amounts.
b. Irregular / Abnormal repayment schedule details fed in ASCROM data
viz., Repayment mode / No. of instalments / Principal amounts/Date of
instalment/ Amount of instalment in case of EMI accounts.
c. Credit balances in loan accounts, incorporated in ASCROM as negative
balances.
d. Due to presence of invalid elements in repayment schedule columns ( *
or @ etc.)
NEXT
DUE
DATE
OF
REVIE
W
Zonal Office shall verify the data of Region with reference to GL Error Report and
differences if any, seek clarifications, Tallying of the Advances, other Deductions with
General Ledger and seek clarifications in case of any differences.
The task of hard copy updation ( updating pre-printed sheets) magnetic media updation
and rectification of errors should be completed in a time bound manner. The Team
Leaders should ensure that adequate numbers of off-site data updation centres are
available and it is most important that updation on pre-printed sheets is started
simultaneously at all branches in last week of March /other quarters.
MONITORING / REPORTING OF PROGRESS:
From the commencement of hard copy updation to actual completion of branch Audit is
to be monitored by the resource teams at Regional and Zonal levels on daily basis. The
Resource team at RO will report progress of work to ASCROM CELL, CO and to Zonal
Office in specified format on daily, by email or fax.
To begin with, the Regional Resource team should monitor commencement of task and
identify the branches which have not started the exercise as per schedule. The names
of the branches which have not commenced updation should be brought to the
knowledge of the Regional Manager, who in turn will ensure the same. Since the task is
time bound and to be completed within a very short period, regular monitoring and
reporting of the progress to the respective levels is essential.
10
11
The above details are also available in ASCROM SYSTEM AUDIT MENU
READY RECKONER option. The dates shall be progressively changed as
and when QUARTER IS CHANGED.
12
13
14
15
16
Net Amount :
Net amount is Net of Total deductions & Provisions from Balance O/s.
Provisions :
Provision is calculated @ 10% of (Balance O/s - Interest Suspense).
Exceptions
1. If Interest suspense in any account is in excess of Bal. O/s than the
system will calculate provision as Zero instead of negative provision.
Such accounts are compulsorily printed for verification and
validation before processing of data.
2. In case of compromise accounts provision is computed as in revised
repayment schedule consequent to compromise terms.
Security Classification :
Net amount to the extent of realisable value of security is considered as
Secured by Tangible Asset. Remaining net amount is shown under
Unsecured Column.
5. Doubtful Assets :
Deductions :
Only Interest suspense, DICGC / ECGC claim received & amount held in
suit filed sundry deposits are considered as Deductions.
Net Amount :
Net amount is Net of Total deductions & Provision from Balance O/s.
Provision :
Doubtful I
Doubtful II
Doubtful III
17
18
19
CO:BR:90:189
Dated : 15.12.1998
CO:91:DOIT:ASCROM:89
Dated : 10.03.1999
ASCROM SYSTEM : Updation of database as of March 1999
CO:BR:91:22
Dated : 15.03.1999
ASCROM SYSTEM : Updation of advances data for March 1999
CO:RM:91:8
Dated : 16.03.1999
ASCROM System : Updation plan for March, 1999 Closing
CO:BR:91:69
Dated : 15.06.1999
ASCROM System : Updation of database as of 30th June, 1999
CO:91:DOIT:ASCROM:137
Dated : 18.06.1999
Validation of critical data of borrower in ASCROM System
CO:91:DOIT:ASCROM:141
Dated : 28.06.1999
Updation of ASCROM Database as of 30.06.1999
CO:91:DOIT:ASCROM
Dated : 21.07.1999
High speed printer for printing of pre-printed sheets & various
reports.
CO:RM:91:23
Dated : 25.08.1999
Utilisation of ASCROM Data in Credit & NPA Management
CO:91:C & I:2410
Dated : 30.08.1999
Analysis of advances data through ASCROM System
CO:91:DOIT:ASCROM:162
Dated : 14.09.1999
Updation of ASCROM Database as of 30th Sep 1999
CO:91:Aascrom:3271
Dated : 28.09.1999
Parked Accounts : Incorporation of Information in ASCROM System
CO:91:C&I:ASCROM:171
Dated : 07.12.1999
Analytical reports of advances through ASCROM System
CO:91:DOIT:ASCROM:175
Dated : 23.12.1999
Updating database as of 31.12.1999 through ASCROM System
CO:91:DOIT:ASCROM:179
Dated : 28.12.1999
Updation of ASCROM Database as of Dec1999 Updation of
Employee details.
CO:91:PS:ASCROM:180
Dated : 29.12.1999
Creation of Village Masters through ASCROM System.
CO:92:DOIT:ASCROM:2
Dated : 04.01.2000
1.
Creation of Tehsil/Taluka/Sub-division Master, Block Master
and Village Code Masters.
2.
Generation of village-wise reports from ASCROM System.
20
CO:BR:92:33
Dated : 15.03.2000
ASCROM System : March, 2000 Updation & Audit.
CO:92:DOIT:
Dated : 23:06.2000
Updation of ASCROM Database as of June 2000
CO:92:DOIT:ASCROM:114
Dated : 09.09.2000
Updation of ACROM Database as of 30th September 2000
CO:92:DOIT:ASCROM:138
Dated : 23.09.2000
Validation of Parked Accounts
CO:93:DOIT:ASCROM:225
Dated : 17.11.2000
Validation Parked Accounts
CO:BR:92:46
Dated 17.11.2000
Asset Classification Allied Agricultural Activities.
CO:92:DOIT:ASCROM:255
Dated : 05.12.2000
Monitoring of Potential NPAs Revised norms of Asset
Classification
CO:92:DOIT:ASCROM:307
Dated : 27.12.2000
ASCROM System : December 2000 updation
CO:93:DOIT:ASCROM:374
Dated:05-03-2001
Updation of ASCROM Database as of March 2001
CO:93:DOIT:ASCROM:476
Dated:23-06-2001
Updation of ASCROM Database as of JUNE 2001
CO:93:DOIT:ASCROM:695
Dated:17-09-2001
th
Updation of ASCROM database as of 30 September 2001
CO:93:DOIT:ASCROM:871
Dated:24-12-2001
ASCROM SYSTEM Updation of Database as of 31-12-2001
CO:94:DOIT:ASCROM:98
Dated:21-03-2002
ASCROM system Updation of Database as of 31-03-2002
CO:94:DOIT:ASCROM:254
Dated:27-06-2002
ASCROM System Updation of Database as of 30-06-2002
CO:DOIT:94:ASCROM:316
Dated:17-09-2002
Updation of Advances Data through ASCROM as of 30-09-2002
CO:DOIT:94:ASCROM:425
Dated:26-12-2002
Updation of Advances Data through ASCROM as of 31-12-2002
21
ANNEXURE II
22
Check that all pre-printed sheets bear page numbers in serial order.
Ensure completion of Borrowers profile Updation before facility updation in
Format B, C, D is commenced by branch.
Keep Code Masters readily available for reference.
While identifying BP / BD entries mention one distinct number e. g. year, as
Ledger and BP / BD number as folio.
Following formats will be used for Master creation of existing or reporting New
Accounts :
FORMAT A
RECORDING OF A BORROWERS PROFILE
FORMAT B
RECORDING OF BP / BD
FORMAT C
RECORDING OF CC / OD
FORMAT D
RECORDING OF DL / TL
The corresponding formats for Standard & NPA accounts are suffixed as 1 & 2
respectively e.g. B1, C1, D1 for Standard and B2, C2 & D2 for NPA accounts
respectively.
FOR DETAILED GUIDELINES ON UPDATION OF BORROWER PROFILE,
ACCOUNTS DETAILS ( FORMAT A TO D) BRANCHES SHOULD REFER TO THE
BOOKLET ON OPERATIONAL GUIDELINES FOR UPDATION OF ASCROM
DATABASE SENT TO ALL BRANCHES/REGIONS IN THE PAST.
23
Repayment Schedule
Mode ______ No. of Instalments ________
Principal Amt_______
Instalment Amount (in case of Equated
instalments )_______________
Date of Ist Instl Due _________
24
ANNEXURE - III
SUGGESTIVE ERRORS AND REASONS FOR CRITICAL ERROR REPORT
PART I & II ,GUIDELINES FOR ATTENDINGCRITICAL ERROR REPORT
(CER)
1 BORROWER PROIFLE : PART - I
COLUMN
NO.
1
2.
3, 5, 6
7
8
10
Credit scoring of borrower not given though total exposure (funded + non
funded ) is more than Rs. 2 lac (LABOD, Export, Staff borrowers
excluded)
11
NPA status code invalid / blank, though NPA date is appearing in facilities
to borrower.
12
Date not given as per NPA status or date prior to date of first sanction.
13
Last date of Intt. Application is not given in NPA borrower or date is prior to
date first sanction.
14
25
COLUMN
NO.
1
2.
COLUMN
NO.
1
2.
Utilisation distt is blank / invalid. (In case new dist. Is created, the same
should be included in Dist. Master first)
Due date of bill not given / Gap between date of purchase and due date of
bill is less than 7 days.
7A
26
7B
Scheme
Code
2.
Activity Code is not from Priority Sector (1011 to 1674 & 1911 to 2120)
10
11
12
13
14
15
16
17
18
19
20
21
27
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
45
28
COLUMN
NO.
1
2.
Intt. Rate col. Is blank or intt given is more than 25% or less than PLR
where exposure is more than Rs. 2- Lac (Except for Export accounts)
Limit sanctioned (in case of CC), or drawing limit (in case of TL / DL) is left
blank.
Parked Facilities:
In view of capturing correct information regarding parked accounts, invalid
Branch Alpha code entered in the Parent Branch Column and NIL Parent
Branch Borr. NO. will be reported in Critical error Part I of Borrower
Profile.
NIL NPA Dates in NPA accounts:
The system will check for NIL NPA dates in all existing NPA accounts and
wherever NPA date is not available, the same will be appearing in
Critical error Part-I of NPA accounts.
LABOD Accounts:
The system will check wherever zero Realisable value of security is given
and facility to borrower is LABOD. In such cases it is obvious that RV
should be at least equal to the amount of FDRs held under lien.
Therefore, such discrepancies will appear in Critical Error Part I for
mandatory rectification.
Staff & LABOD facilities:
Since repayment schedule information in staff & LABOD accounts is
mandatory, therefore, any account where repayment schedule is not given
will appear in Critical Error Report Part-I
29
30
Data is sent through Final Data Backup option by the branch / updation
location along with complete mailing list.
Check that G/L Code Error report is tallied. Difference in any G/L code are
clarified.
CER Part I is rectified and CER Part Ii is duly confirmed.
Degradation / Upgradation report duly authenticated.
Total advances reported in Master Summary 19 & 20 is tallied with Total
advances reported in Code NO. 3040 in Return No. 1.
Reconciliation sheet for un-tallied G/L codes.
Provide constant support to branches / nodal branches and data updation sites.
Collect progress of updation exercise from branches on daily basis.
Advise progress to Zonal Office on prescribed proforma on daily basis.
Ensure that branches initiate updation exercise simultaneously and complete as
per schedule.
Collect branch wise code wise figures from return no. 1 of branches at the
earliest. Any correction in any figure of Return No. 1 in respect of advances code
must be advised to ASCROM Cell, at Regional Office immediately.
Receive the data through Data Receive option and print G/L Error Report. Check
code wise figures with the figures collected as advise above. In case of any
discrepancy the matter should be immediately taken up.
Please note that in no case figures reported in return No.1 differ from
those reported in respective column of G/L Error Report.
ROs to check that branches have mentioned Special Category Codes
correctly. Wherever applicable more than one code should be mentioned.
Test check if staff codes ( 14, 15, 16) have been correctly mentioned.
The Benares State Bank Ltd., has been merged with our Bank with effect from 19-062002 and all the branches of EBSBL are now working as branches of Bank of Baroda
from that date. As regards the Advances, only RR accounts ( READILY REALISABLE
ACCOUNTS ) forming part of Advances portfolio are to be taken into ASCROM system.
Accordingly from SEPTEMBER 2002, RR accounts of EBSBL branches have been
included in ASCROM system and updated thereafter. NRR Accounts ( NOT READILY
REALISABLE accounts) data is not to be captured in ASCROM
31
ANNEXURE IV
Menu Options in ASCROM System
2. UPDATION
1. SYSTEM
1.1 Help
1.2 Help Master
1.3 Password Maintenance
1.3.1 Create User
1.3.2 Delete User
1.3.3 Modify Password
1.3.4 User List
1.3.5 Password Audit Trail
1.4 System maintenance
1.4.1 Index Rebuilding
1.4.2 Data Back-up / Send
1.4.2.1 Day end
1.4.2.2 Final Data
1.5 Updation Maintenance
1.5.1 Data Receive / Restore
1.6 Master Maintenance
1.6.1 Zone
32
2.1
2.2
2.3
2.4
2.5
2.6
2.7
2.8
2.9
2.10
2.11
2.12
2.13
2.14
2.15
Pre-Printed Sheet
Closing GL Figure
Data Updation
Data Browse
GL Error Report
Critical Error Report
Critical Field Rectification
GL Code Report
Mandatory Validation
Deg / Upg Validation.
Branch
Branch Village CER
Tehsil
Block
Village
1.6.2 Region
1.6.3 Branch
1.6.4 Drawee Master
1.6.5 State
1.6.6 District
1.6.7 Provision
1.6.8 GL Code
1.6.9 Activity
1.6.10 Industry
1.6.11 Constitution
1.6.12 NPA Status
1.6.13 Security
1.6.14 PLR
1.6.15 Credit Rating
1.6.16 Interest Tax
1.7 PS Master maintenance
1.7.1 Bank
1.7.2 Tehsil
1.7.3 Block
1.7.4 Village
1.7.5 Scheme
1.7.6 Religion
1.7.7 Farmer Category
1.7.8 Code
1.7.9 Special Category
1.8
GL Code Change
1.9
Undelete A/c
1.10 Sensitive Data Audit Trail
1.11 Calander Diary
1.12 Calculator
1.13 Add Closing Quarter
1.14 Remove Closing Quarter
3. VALIDATION
3.1
3.2
3.3
3.4
3.5
3.6
3.7
3.8
3.9
3.10
3.11
3.12
3.13
3.14
3.15
3.16
3.17
3.18
3.19
33
GL Code wise
Ledger wise
3.2.1 Ledger Summary
3.2.2 Ledger wise Report
Multiple Activities
Activity
Scheme Validation
Interest Rate Validation
Base Data Validation Report
Base Data Updation
TL\DL Data Validation
CC Data Validation
Limit Validation
Limit Validation
Parked A/Cs Validation
Borrower Name wise Facility
Unsecured
Staff as NPA
Dicgc Ecgc Received
Compromise A/cs
Govt. Guaranteed A/cs
4. AUDIT
4.1
Data Processing
4.2
Net Amt Verification
4.3
Master Summary 19
4.4
Master Summary 20
4.5
ADV Closing Rtn
4.6
Prov Calculation Worksheet
Supplementary ALM
4.7
Memorandum of Change
(MOC)
4.7.1 MOC Incorporation
4.7.2 Spl MOC (Sub Dbt)
4.7.3 Spl MOC (Sub Loss )
4.7.4 MOC Processing
4.7.5 MOC Verification
4.8
Auditor Verification Report
4.8.1 Master Summary 19
4.8.2 Master Summary 20
4.9
Ready Beckoner
4.10 Processing Status
4.11 CER Status
5. NPA REPORTS
6.1
Top NPA branch
6.2
NPA & CAD Rpt
6.3
Facility wise Prov
6.4
Top NPA Borrower
6.5
Up gradation Rpt
6.6
Degradation Rpt
6.7
Pot. NPA & CADU Rpt
6.8
Assets Analysis
6.9
Overdues Stmt
6.10 Sectoral NPA
6.11 Sectoral Intt. Suspense
6.12 Sectoral DISGC Received
6.13 Sectoral SFSD
6.14 Flow Charts
6.14.1 Sector NPA Flow
Chart
6.14.2 Industry NPA Flow
Charts
6.14.3 Scheme NPA Flow
Charts
6.14.4 State NPA Flow
Charts
6.14.5 District NPA Flow
Charts
6.14.6 Area Flow Charts
6. RBI RETNS
5.1
Cr. Ctrl Rtn (5,6,7)
5.2
CCR (5,6,7) Data
5.3
DSB Returns
5.3.1 DSB I
5.3.2 DSB II
5.3.3 DSB III
5.3.4 DSB IV
5.3.5 DSB V
5.4
BSR
5.4.1 BSR Part I-A
5.4.2 BSR Part I-B
5.4.3 BSR I-A Error Report
5.4.4 BSR I-B Validation
5.4.5 BSR I Rectification
5.4.6 BSR II Data Entry
5.4.7 Error Compilation Rpt
5.4.8 GL Summary
5.4.9 Part II Summary
5.4.10 BSR II Data Backup
7. CR ADMN
7.1
Adhoc Query
7.2
Advances List
7.3
Activity Asset Class
7.4
Br wise Activity Analysis
7.5
Branch Advance Profile
7.6
Sectoral Adv
7.7
Limit wise Adv Summary
7.8
District Credit Analysis
7.9
Intl. Range Credit Rating
7.10 Branch Status Note
7.11 Borrower Diary
7.12 Borrower History
7.13 Borrower Status Note
7.14 Borrower Name Index
7.15 Top STD Borrower
7.16 Credit Dist. Rpt
7.17 Yield Analysis Rpt.
7.18 LAD Due Status
7.19 Review Status
34
8. PS RTN
8.1
8.2
8.3
8.4
8.5
8.6
8.7
8.8
8.9
8.10
8.11
8.12
8.13
PS Master Rtn
PS Asset Classification
Priority Sector NPA
Sectoral Area wise NPA
Village Cr Admn Reports
8.5.1 Village wise Advances
8.5.2 Village wise Pot. NPA
8.5.3 Village wise NPA
8.5.4 Village Borrower Name Index
8.5.5 Village wise NPA Status Rpt
8.5.6 Village wise Scheme / Spl.
Prog.
8.5.7 Village wise LAD Register
8.5.8 Village wise Query
Scheme wise Analysis
Br wise Scheme Analysis
Scheme Activity Analysis
Limit Industry
Asset Class Industry
Sick SSI
8.11.1 Sick SSI Stmt
SSI Classification
Ind Classification
35
ANNEXURE V
FORMAT OF PROVISION CALCULATION WORK SHEET GENERATED THROUGH
ASCROM SYSTEM :
BANK OF BARODA
RUN DATE/TIME
ASCROM
4.xx
ZONE
:
REGION
:
BRANCH NAME :
BRANCH CODE :
Borrower Consolidated
(Amount Rs.)
ASSET CLASSIFICATION
Total No of A/Cs
DATE OF NPA
:
( ) SUBSTANDARD
( ) DOUBTFUL UPTO 1 YEAR
( ) DOUBTFUL 1 TO 3 YEARS
( ) DOUBTFUL ABOVE 3 YEARS
( ) LOSS
ACTIVITY
BORROWER NAME
No.
BALANCE OUTSTANDING AS ON
1.
-------(A)
2.
3.
LESS
----------------
| RETAINABLE PORTION OF
DICGC CLAIM
-------(D)
AMT. OF DICGC CLAIM
LESS SHARE OF DICGC
IN SECURITY
UNSECURED PORTION
-------(E)
SECURED PORTION OF ADJUSTED BALANCE
4.
(F)
PROVISION CALCULATION
SUBSTANDARD : 10 % OF (A)
DOUBTFUL 1 : 100 % OF (E)+ 20 % OF (F)
DOUBTFUL 2 : 100 % OF (E)+ 30% OF (F)
DOUBTFUL 3 : 100 % OF (E)+ 50% OF (F)
LOSS
: 100 % OF (E)
TOTAL PROVISION
ADDITIONAL PROVISION :
36
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