Moretarium

Asset liability management

= or close to equal good
Positive not good
Negative worst
Static ALM
Dynamic ALM statement
Dynamic foresees
DACR RATIO
CURRENT PORTION OF LONG GTERM DEBT LOOK AT
DEBT EQUITY
CAPITAL ADEQUACY RATIO CAR
NOF NET OWN FUNDS
/
BASIL NORMS
CAPITAL ADEQUACY REQUIREMENTS OF BANKS
DPD DAYS OVERDUE
FINANCIAL COMPANIES
LOOK AT DPD 30 DAYS OK VEHICLES 90DAYS
LOOK AT PAR PORTFOLIO AT RISK IMPORTANT THAN NPAS
PROVISIONING IS NOW ALLOWED AS TAX DEDUCTIBLE
Rbi.org
First time max is 60000
Indebtness is typically at household level
Example if male dies cash flows will be effected so we insure the spouse
Overheating not understood

Nba nfis originated microfinance loans

Portfolio buybacks
Nfis
Direct assignment I assign all the rights to him
If the tenure of the loan is 2 years minimum 3 months he has to stay in his books.
If a company want to inc asset under management.
PSL requirements
Go through by heart
GRAMA VIDYAL purchased by idfc to meet the requirement
MRR minimum retention ratio
5 percent should remain with me in direct assignment
DACR
DEBT SERVICE COVERAGE RATIO
Debt mutual funds