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Match the following:
Select the correct answer using the code given below:
Select the correct answer using the code given below:
- a)a
- b)b
- c)c
- d)d
Correct answer is option 'D'. Can you explain this answer?
Verified Answer
Match the following:Select the correct answer using the code given bel...
• Option (d) is correctly matched:
Supplementary notes:
Stressed Assets
It comprises of NPAs, restructured loans and written off assets.
Supplementary notes:
Stressed Assets
It comprises of NPAs, restructured loans and written off assets.
- Restructured Loans: Assets/loans which have been restructured by giving a longer duration for repayment, lowering interest or by converting them to equity, providing additional financing, or some combination of these measures.
- Written off Assets: Assets/loans which aren’t counted as dues, but recovery efforts are continued at branch level – done by banks to clean up their balance books.
Non-performing asset (NPA)
1. It is a loan or advance for which the principal or interest payment remained overdue for a period of 90 days or more.
2. In case of Agriculture/Farm Loans, the NPA varies for short duration crop (interest not paid for 2 crop seasons) and long duration crops (interest not paid for 1 Crop season).
3. Banks are required to classify NPAs further into Substandard, Doubtful & Loss assets.
1. It is a loan or advance for which the principal or interest payment remained overdue for a period of 90 days or more.
2. In case of Agriculture/Farm Loans, the NPA varies for short duration crop (interest not paid for 2 crop seasons) and long duration crops (interest not paid for 1 Crop season).
3. Banks are required to classify NPAs further into Substandard, Doubtful & Loss assets.
- Substandard assets: Assets which have remained NPA for a period less than or equal to 12 months.
- Doubtful assets: Assets which have remained in the substandard category for a period of 12 months
- Loss assets: It is considered uncollectible and of such little value that its continuance as a bankable asset is not warranted, although there may be some salvage or recovery value.
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Match the following:Select the correct answer using the code given below:a)ab)bc)cd)dCorrect answer is option 'D'. Can you explain this answer?
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