Credit Follow up and

Portfolio Management
Non-Performing Loans Trends- July, 2018-June, 2019
NPL Trends- July 2018-June 2019
 NPL Trends- July 2018-June 2019

800,000.00

713,380.00

700,000.00
623,026.00

600,000.00
548,930.53

496,923.73 494,844.97
500,000.00
432,310.73
410,268.18

400,000.00 360,021.00
344,537.86 350,795.94 350,853.61

302,282.79
300,000.00

200,000.00

100,000.00

-
Jul-18 Aug-18 Sep-18 Oct-18 Nov-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19
 NPLs Ratio- July 2018-June 2019
 NPLs Ratio- July 2018-June 2019
8.00%

7.3%
7.00%
6.6%
6.4%
6.00%
5.6%
5.3% 5.3%
5.00%
4.7% 4.8%
4.5%
4.2%
4.00% 4.0%
3.6%

3.00%

2.00%

1.00%

0.00%
July 2018 % Aug 2018 % Sept 2018 % Oct 2018 % Nov 2018 % Dec 2018 % Jan 2019 % Feb 2019 % March 2019 April 2019 % May 2019 % June 2019 %
%
Special Mention Loans- July 2018-June 2019

Special Mention Loans

1,400,000.00

1,209,703.69

1,200,000.00

1,049,629.95
1,024,871.00

1,000,000.00
879,106.00
853,887.12
793,157.37 808,517.68
779,864.43
800,000.00 740,170.17

550,500.78
600,000.00

400,000.00 345,441.98 338,501.00

200,000.00

-
Jul-18 Aug-18 Sep-18 Oct-18 Nov-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19
Special Mention Loans Ratio Trends- July 18-June 19
Special Mention Loans Ratio
14.00%

12.9%
12.6%
12.00%

10.9%
10.5% 10.5%
10.3%
10.00%
9.5%
9.0%

8.00% 8.1%

6.3%
6.00%

4.7%
4.00%
3.3%

2.00%

0.00%
July 2018 % Aug 2018 % Sept 2018 % Oct 2018 % Nov 2018 % Dec 2018 % Jan 2019 % Feb 2019 % March 2019 % April 2019 % May 2019 % June 2019 %
 Challenges Faced

• Lack of consistent follow ups from day one till the last date
• Engagement of all stakeholders in the loan follow up
process- Districts, Branches, HO management
• Restructuring requests need to presented early for
appropriate reviews
• Staffing of the Follow up division with reasonable staffing
• Not timely renewal of facilities including overdrafts
 Way Forward

• Appropriate staffing of the Credit Follow up Division

• Engagement of all stakeholders in the follow up process from
day one till the last date
• Renewal of credit facilities to be timely undertaken with
appropriate follow ups
• Assigning of certain percentages of NPLs into the PMS of
potentially affecting organs of the Bank