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Tanima Dutta, Lovely Professional University Unit 13: Non Performing Assets

Unit 13: Non Performing Assets Notes

CONTENTS
Objectives
Introduction

13.1 Meaning of Non Performing Assets
13.2 Conceptual Exposition of Non-performing Assets (Advances)
13.3 Classification of NPAs

13.3.1 Standard Assets
13.3.2 Sub-standard Assets
13.3.3 Doubtful Assets
13.3.4 Loss Assets
13.4 Provisions for NPAs

13.4.1 Standard Assets
13.4.2 Sub-standard Assets
13.4.3 Doubtful Assets

13.4.4 Loss Assets
13.5 Management of NPAs
13.5.1 Originating Factors
13.5.2 Internal Factors
13.5.3 External Factors

13.5.4 Recent Trends
13.6 Suggestions to contain NPAs of Commercial Bank in India
13.7 Steps taken by the Government and the RBI on NPAs

13.7.1 One Time Settlement/Compromise Scheme
13.7.2 Lok Adalats
13.7.3 Debt Recovery Tribunals (DRTs)
13.7.4 Credit Information Bureau (India) Ltd. (CIBIL)
13.7.5 Securitization and Reconstruction of Financial Assets and Enforcement of
Security in Interest (SARFAESI) Act, 2002
13.8 Summary
13.9 Keywords

13.10 Review Questions
13.11 Further Readings

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