Learn how banks monitor their loan accounts and how they manage bad loans. Read more.
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Who this course is for:
- Students of CA/CS/CMA/CFA/MBA and Commerce
- Bank Managers and Credit Officers
- Professionals engaged in Banking Audit like Audit Executives, Audit Clerks and Concurrent Auditors
- Any beginner who is interested to know the subject
What you’ll learn:Â
- Learn in-depth about NPA Management
- Learn how to identify a bad loan and how banks manage their bad loans
- Learn how banks make provisions on risky loans
- Learn why banks write off bad loans and when the loans are waived off
- Learn how banks monitor their loan accounts
- Learn how banks identify fund diversion and fund siphoning by unscrupulous borrowers.
- Learn about Agriculture loans and about NPAs in Agriculture loansÂ
- Learn peculiar characteristics of cash credit and overdraft loansÂ
- Learn about Date of Commencement of Commercial Operations (DCCO) for Project Loans and its NPA norms
Requirements:Â
- No prior knowledge is required to take this course
Banks provide loans for their sustenance from public money and make all-out efforts to keep the loans healthy. But monitoring the loan portfolio is an uphill task for any bank. The health of the loans keeps fluctuating from Good to Bad in a never-ending cycle. The bad loans are called Non-Performing Assets (NPA) or Non-Performing Loans (NPL). Therefore, the study of NPA or NPL Management is compulsory in all professional courses.
Courses like CAIIB, CA, CS, CMA, CFA, and MBA courses have a fair degree of depth, depending on their orientation. Even commerce courses and those preparing for civil services and other competitive examinations are required to know the concepts to a large extent. The subject is vast and complex. To add to the woes of the student community, the Central Bank’s circulars and Government notifications are worded in technical jargon, which makes understanding difficult.
This course decodes the subject succinctly with a clear and concise explanation. Stress has been given to the core concepts before moving on to details. The Concepts have been correlated with appropriate case studies and practical problems. The course will immensely benefit the student community and working professionals alike. The course will also benefit any beginner who is not aware of the subject. It has been designed to suit students at the beginner to advanced levels.
Our Promise to You
By the end of this course, you will have learned NPA Management.
10 Day Money Back Guarantee. If you are unsatisfied for any reason, simply contact us and we’ll give you a full refund. No questions asked.
Get started today!
Course Curriculum
| Section 1 - Course Introduction | |||
| Course Outline | 00:00:00 | ||
| Reference Materials | 00:00:00 | ||
| Section 2 - Latent Risks In Banking Model | |||
| Latent Risks In Banking Model | 00:00:00 | ||
| Section 3 - Introduction To NPA Management | |||
| Accounting Dilemma | 00:00:00 | ||
| Past Experience By Banks | 00:00:00 | ||
| Prudential Norms | 00:00:00 | ||
| Credit Monitoring | 00:00:00 | ||
| Twin Balance Sheet And Security Mapping | 00:00:00 | ||
| Section 4 - Impact Of NPAs | |||
| Impact Of NPAs In Banks | 00:00:00 | ||
| Section 5 - Causes Of NPA | |||
| Diversion And Siphoning Of Banks Funds | 00:00:00 | ||
| External Reasons For NPAs | 00:00:00 | ||
| Borrower’s Business Factors Leading To NPASs | 00:00:00 | ||
| Bank Related Factors Leading To NPAs | 00:00:00 | ||
| Summary Points And Study Group Report On NPAs | 00:00:00 | ||
| Section 6 - Accrual Basis And Cash Basis Of Accounting | |||
| Accrual Basis And Cash Basis | 00:00:00 | ||
| Section 7 - What Is PA And NPA? | |||
| What Is PA And NPA? | 00:00:00 | ||
| Section 8 - Income Recognition | |||
| Income Recognition | 00:00:00 | ||
| Interest Reversal In NPA Account | 00:00:00 | ||
| Section 9 - Overdue And Out Of Order Position | |||
| What Is Overdue In Loans? | 00:00:00 | ||
| Out Of Order Concept | 00:00:00 | ||
| Section 10 - NPA In Agriculture Loans | |||
| Understanding Agriculture | 00:00:00 | ||
| NPA Concept In Farm Loans | 00:00:00 | ||
| Case Study On NPA In Farm Loans | 00:00:00 | ||
| Section 11 - Understanding CC And OD | |||
| Inter-Relationship Of Limit, Margin And DP | 00:00:00 | ||
| Valuation Of Securities | 00:00:00 | ||
| CC And OD Case Studies | 00:00:00 | ||
| Section 12 - Asset Classification And Provisioning Norms | |||
| Asset Classification And Provisioning – Part 1 | 00:00:00 | ||
| Asset Classification And Provisioning – Part 2 | 00:00:00 | ||
| Case Studies On Asset Classification And Provisionig | 00:00:00 | ||
| Provision On Guaranteed Accounts | 00:00:00 | ||
| Section 13 - DCCO In Project Loans | |||
| Understanding DCCO In Project Loans | 00:00:00 | ||
| Revision And Extension Of DCCO | 00:00:00 | ||
| DCCO Time Periods And Provisioning | 00:00:00 | ||
| Section 14 - Write Off And Waiver Of Loans | |||
| Write Off And Waiver | 00:00:00 | ||
| Section 15 - Maintaining Capital To Risk Weighted Assets Ratio Or CRAR | |||
| What Is CRAR? | 00:00:00 | ||
| Minimum Capital Requirements | 00:00:00 | ||
| Components Of Tier-1 And Tier-2 Capitals | 00:00:00 | ||
| Maintaining Buffer Capitals | 00:00:00 | ||
| Section 16 - Lesson Quiz | |||
| Self Test Your Understanding | 00:00:00 | ||
About This Course
Who this course is for:
- Students of CA/CS/CMA/CFA/MBA and Commerce
- Bank Managers and Credit Officers
- Professionals engaged in Banking Audit like Audit Executives, Audit Clerks and Concurrent Auditors
- Any beginner who is interested to know the subject
What you’ll learn:Â
- Learn in-depth about NPA Management
- Learn how to identify a bad loan and how banks manage their bad loans
- Learn how banks make provisions on risky loans
- Learn why banks write off bad loans and when the loans are waived off
- Learn how banks monitor their loan accounts
- Learn how banks identify fund diversion and fund siphoning by unscrupulous borrowers.
- Learn about Agriculture loans and about NPAs in Agriculture loansÂ
- Learn peculiar characteristics of cash credit and overdraft loansÂ
- Learn about Date of Commencement of Commercial Operations (DCCO) for Project Loans and its NPA norms
Requirements:Â
- No prior knowledge is required to take this course
Banks provide loans for their sustenance from public money and make all-out efforts to keep the loans healthy. But monitoring the loan portfolio is an uphill task for any bank. The health of the loans keeps fluctuating from Good to Bad in a never-ending cycle. The bad loans are called Non-Performing Assets (NPA) or Non-Performing Loans (NPL). Therefore, the study of NPA or NPL Management is compulsory in all professional courses.
Courses like CAIIB, CA, CS, CMA, CFA, and MBA courses have a fair degree of depth, depending on their orientation. Even commerce courses and those preparing for civil services and other competitive examinations are required to know the concepts to a large extent. The subject is vast and complex. To add to the woes of the student community, the Central Bank’s circulars and Government notifications are worded in technical jargon, which makes understanding difficult.
This course decodes the subject succinctly with a clear and concise explanation. Stress has been given to the core concepts before moving on to details. The Concepts have been correlated with appropriate case studies and practical problems. The course will immensely benefit the student community and working professionals alike. The course will also benefit any beginner who is not aware of the subject. It has been designed to suit students at the beginner to advanced levels.
Our Promise to You
By the end of this course, you will have learned NPA Management.
10 Day Money Back Guarantee. If you are unsatisfied for any reason, simply contact us and we’ll give you a full refund. No questions asked.
Get started today!
Course Curriculum
| Section 1 - Course Introduction | |||
| Course Outline | 00:00:00 | ||
| Reference Materials | 00:00:00 | ||
| Section 2 - Latent Risks In Banking Model | |||
| Latent Risks In Banking Model | 00:00:00 | ||
| Section 3 - Introduction To NPA Management | |||
| Accounting Dilemma | 00:00:00 | ||
| Past Experience By Banks | 00:00:00 | ||
| Prudential Norms | 00:00:00 | ||
| Credit Monitoring | 00:00:00 | ||
| Twin Balance Sheet And Security Mapping | 00:00:00 | ||
| Section 4 - Impact Of NPAs | |||
| Impact Of NPAs In Banks | 00:00:00 | ||
| Section 5 - Causes Of NPA | |||
| Diversion And Siphoning Of Banks Funds | 00:00:00 | ||
| External Reasons For NPAs | 00:00:00 | ||
| Borrower’s Business Factors Leading To NPASs | 00:00:00 | ||
| Bank Related Factors Leading To NPAs | 00:00:00 | ||
| Summary Points And Study Group Report On NPAs | 00:00:00 | ||
| Section 6 - Accrual Basis And Cash Basis Of Accounting | |||
| Accrual Basis And Cash Basis | 00:00:00 | ||
| Section 7 - What Is PA And NPA? | |||
| What Is PA And NPA? | 00:00:00 | ||
| Section 8 - Income Recognition | |||
| Income Recognition | 00:00:00 | ||
| Interest Reversal In NPA Account | 00:00:00 | ||
| Section 9 - Overdue And Out Of Order Position | |||
| What Is Overdue In Loans? | 00:00:00 | ||
| Out Of Order Concept | 00:00:00 | ||
| Section 10 - NPA In Agriculture Loans | |||
| Understanding Agriculture | 00:00:00 | ||
| NPA Concept In Farm Loans | 00:00:00 | ||
| Case Study On NPA In Farm Loans | 00:00:00 | ||
| Section 11 - Understanding CC And OD | |||
| Inter-Relationship Of Limit, Margin And DP | 00:00:00 | ||
| Valuation Of Securities | 00:00:00 | ||
| CC And OD Case Studies | 00:00:00 | ||
| Section 12 - Asset Classification And Provisioning Norms | |||
| Asset Classification And Provisioning – Part 1 | 00:00:00 | ||
| Asset Classification And Provisioning – Part 2 | 00:00:00 | ||
| Case Studies On Asset Classification And Provisionig | 00:00:00 | ||
| Provision On Guaranteed Accounts | 00:00:00 | ||
| Section 13 - DCCO In Project Loans | |||
| Understanding DCCO In Project Loans | 00:00:00 | ||
| Revision And Extension Of DCCO | 00:00:00 | ||
| DCCO Time Periods And Provisioning | 00:00:00 | ||
| Section 14 - Write Off And Waiver Of Loans | |||
| Write Off And Waiver | 00:00:00 | ||
| Section 15 - Maintaining Capital To Risk Weighted Assets Ratio Or CRAR | |||
| What Is CRAR? | 00:00:00 | ||
| Minimum Capital Requirements | 00:00:00 | ||
| Components Of Tier-1 And Tier-2 Capitals | 00:00:00 | ||
| Maintaining Buffer Capitals | 00:00:00 | ||
| Section 16 - Lesson Quiz | |||
| Self Test Your Understanding | 00:00:00 | ||
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