npa
DESCRIPTION
hi npa.TRANSCRIPT
BANKINGBANKING DAILY QUIZDAILY QUIZ ENGLISHENGLISH FRESH VACANCYFRESH VACANCY GK UPDATESGK UPDATES IBPS CLERKIBPS CLERK IBPS POIBPS PO INTERVIEW PREPINTERVIEW PREP RESULTSRESULTS SAMPLE PAPERSSAMPLE PAPERS SHORTCUTSSHORTCUTS SSCSSC
Newer Post Older PostHome
All about NPA’sWhat are NPA’s (Non Performing Assets):A mortgage in default would be considered non-performing, after a prolongedperiod of non-payment(90 days).
The lender will force the borrower toliquidate any assets that were pledgedas part of the debt agreement. If noassets werepledged, the lenders might write-off theasset as a bad debt and then sell it ata discount to a collections agency.
Here is an example to help youunderstand what NPA’s are andhow Banks counter it-
Mr. X decided to start a business for that he needed money (the fuel) , X had25% of the money in his pocket, he decided to go through the route of InitialPublic Offering(IPO) to generate 25% more by offering his company sharesto public , the remaining 50% he borrowed from Lena bank by mortgaginghis papa’s land.
Days passed and the company started to do badly then to worse and the loaninstallments lapsed month on month, Lena bank issued warning but Xcontinued the bad practice for more than 90 days (condition for NPA) and thebank labeled X as defaulter and the loan as a Non Performing Asset.
Now what X will do? He could take his case against the bank to Debt recovery tribunal (DRT- Acourt for such cases).
What are Lena bank’s options?In 2002, Govt. gave bank’s a lifeline called as SARFAESI Act (Securitizationand Reconstruction of Financial Assets and Enforcement of security interestAct)With this Act Lena bank has the power to take possession of Mr.X’s propertyor can transfer this to some other ownership.
What bank will do with the acquired property?Ø Bank can use this for their own purpose like , opening a new branch on it,
installing of ATM’s etc.Ø Bank can advertise in newspapers for the auction of the property acquired
and could auction them on any pre decided day.Ø Bank can sell the property to ARC (Asset Reconstruction Company), these
are registered companies under RBI, they buy such assets from banksand sell them at higher prices to gain profits.
NOTE- Total amount of NPA’s are around 4.4% of the total assets of banks inIndia and expected to increase to 4.7% till the end of FY’15
232,647 people like this. Sign Up to see what your friends like.LikeLike
+1 Recommend this on Google
Exam Syllabus &PatternNotification
SBI ASSOCIATE PO (2986VACANCIES)
Link ActiveNotification
IBPS CLERK 2014
IBPS PO GK PowerCapsuleSyllabus and PatternNotification FAQsIBPS PO 2014Notification
IBPS PO 2014
RBI Assistants -NotificationFinancial AwarenessCapsuleRBI AssistantVacancies: DoubtsClarifiedLast Year Questions
RBI ASSISTANTS - 506VACANCIES
Admit CardRRB Capsule(English)FAQsIBPS RRB 2014Notification
IBPS RRB 2014
SBI Clerk GK PowerCapsule (English)SBI Clerk GK PowerCapsule (Hindi)SBI Clerk MarketingCapsuleSBI Clerk ComputerCapsuleSBI : Frequently askedquestionsSBI Clerk: Pattern andAnalysisApply OnlineNotification: SBI ClerkVacancies (5400)
SBI CLERK 2014-15VACANCIES
Written Test ResultSBI PO Exam Analysis- 15th June 2014GK Questions Askedin SBI PO 2014SBI PO Exam Analysis(14June-Morning Shift)Share your ExamExperienceSBI GK PowerCapsule: Part IILast Minute Tips forSBI POCall Letter DownloadSBI PO GK PowerCapsule 2014Financial Awareness
SBI PO 2014-15VACANCIES
IBPS CLERK ONLINE TEST SERIES
RBI Assistants Interview Batch
SSC CGL Tier II Batch Startingfrom 3rd Nov 2014
Best of luck for IBPS PO IV
SBI ASSOCIATE PO
Own a Career Power Centre inYour City : Career PowerFranchisee Program
Bankers Adda - Rules andRegulations
Less than 80
Between 81-90
Between 91-100
Between 101-110
Between 111-120
Between 121-130
More than 131
Vote Show results
Votes so far: 45228 Days left to vote: 350
HOW MUCH IS YOUR TOTALATTEMPT IN IBPS PO IV?
HOW MUCH DID YOU ATTEMPT INREASONING SECTION IN IBPS POIV?
converted by Web2PDFConvert.com
Capsule for SBI PODescriptive TopicsCapsule for SBI POHow to Crack SBI POin 2 MonthsSyllabus and Patternof SBI PO ExamSBI PO : DoubtsClarifiedSBI PO Notification2014
Salary Structure ofBank PO & ClerkIBPS SelectedCandidates: Knowyour colleaguesjoining the same bankas youAllotted a Bank inIBPS. What next?Waiting List (ReserveList) for IBPS PO IIIand IBPS Clerk IIIIBPS PO III: FinalResult OutIBPS Clerk III: FinalResultIBPS Clerk II: FourthRound of AllocationsIBPS PO II - FourthRound of Allocations
IMPORTANT POSTS ONIBPS RESULTS
SBI Specialist OfficerExam: Last MinuteStrategyDownload Admit CardNotification
SBI SO VACANCIES 2014
IBPS SO Final ResultOutInterview Call LetterWritten Test ResultIT Officer SyllabusHR SyllabusApply OnlineSpecialist Officer 2014Notification Out!
IBPS SPECIALIST OFFICER2014
IBPS Clerk III FinalResultIBPS Clerk III InterviewCapsuleInterview SchedulePoll: IBPS Clerk IIIScoresWritten Test ResultGK Power Capsule forIBPS Clerk IIIInsights from previousyearApply Online for IBPSClerk 3IBPS Clerk IIINotification
IBPS CLERK III
IBPS PO III FinalResultInterview CapsuleIBPS PO III ScoresCut-Off Marks inWrittenWritten Test ResultOutGK POwer Capsule forIBPS PO IIIDownload IBPS PO IIIAdmit CardDownload Pre-ExamTraining Call Letter
IBPS PO III
Less than 10
Between 11-14
Between 15-18
Between 19-22
Between 23-26
More than 27
Vote Show results
Votes so far: 28849 Days left to vote: 350
Less than 10
Between 11-13
Between 14-16
Between 17-19
More than 20
Vote Show results
Votes so far: 27538 Days left to vote: 350
HOW MUCH DID YOU ATTEMPT INQUANT SECTION IN IBPS PO IV?
Less than 15
Between 16-20
Between 21-25
Between 26-30
More than 30
Vote Show results
Votes so far: 25466 Days left to vote: 350
HOW MUCH DID YOU ATTEMPT INENGLISH SECTION IN IBPS PO IV?
Less than 15
Between 16-20
Between 21-25
Between 26-30
More than 30
Vote Show results
Votes so far: 25283 Days left to vote: 350
HOW MUCH DID YOU ATTEMPT INGENERAL AWARENESS SECTION INIBPS PO IV?
Less than 14
Between 15-16
Between 17-18
More than 19
Vote Show results
Votes so far: 24621 Days left to vote: 350
HOW MUCH DID YOU ATTEMPT INCOMPUTER SECTION IN IBPS POIV?
IBPS PO IV GK Power Capsule
Yes
No
Doesn't Matter
Vote Show results
Votes so far: 60513 Days left to vote: 333
SHOULD SSC EXAM BE ONLINE?
converted by Web2PDFConvert.com
60% Marks CriteriaRemoved, Max Age toapply 30 yearsHow to Fill BankPreferences in IBPSPO IIIApply OnlineIBPS PO III Notification
NICL AO ExamExperienceNICL AO ExamCancelled. Re-exam inDec 2013Last Date ExtendedDoubts ClarifiedNotification
NICL AO VACANCIES(1434 POSTS)
Written Test ResultShare your examexperienceSpecial GK Capsulefor ExamDoubts ClarifiedDetailed NotificationExam PatternFresh VacancyAnnouncement
RBI ASSISTANTS : 525POSTS
Special GK Capsulefor ExamDownload Admit Cardfor Written TestLast date to applyextendedRole of InsuranceAssistantDoubts ClarifiedNotification
2600 VACANCIES INGENERAL INSURANCECOMPANIES
Special GK Updates(September 2014)Special GK Updates(August 2014)Special GK Updates(July 2014)Special GK Updates(June 2014)Special GK Updates(May 2014)Special GK Updates(April 2014)Special GK Updates(March 2014)Special GK Updates(February 2014)GK Special Updates(January 2014)Special GK Updates(December 2013)Special GK Updates(November 2013)Special GK Updates(October 2013)Special GK Updates(September 2013)Special GK Updates(August 2013)Special GK Updates(July 2013)Special GK Updates(June 2013)Special GK Updates(May 2013)Special GK Updates(April 2013)Special GK Updates(March 2013)Special GK Updates(February 2013)
GK UPDATES CAPSULES
BA Reader is Maha-Crorepati
SBI PO INTERVIEW BATCHES
Get GK Updates in your Email:
Enter your email address:
Subscribe
BOB Manipal Interview Batchesat Career Power
SCORE BOOSTER
BA MOBILE APP
BANKERS ADDA HIRING
SBI Associates Bank POIBPS ClerkIBPS PO 2014
ALL RECRUITMENTNOTIFICATIONS
converted by Web2PDFConvert.com
Special GK Updates(January 2013)Special GK Updates(December 2012)Special GK Updates(November 2012)Special GK Updates(October 2012)Special GK Updates(September 2012)Special GK Updates(August 2012)Special GK Updates(July 2012)
Second RoundAllotmentFInal Allocations, Cut-OffsFill Your BankPreferenceIBPS Clerk II:Vacancies NotificationIBPS Clerk II: InterviewResultShare your InterviewExperienceCommon InterviewSchedule and Callletter downloadScore Card - IBPSClerk IIResults - CWE Clerk IIFeedback on IBPSClerk (22 & 23 Dec)Feedback on IBPSClerk (15th & 16 Dec)Best of Luck for IBPSClerk 2012: LastMinute TipsGK Power Capsule forIBPS Clerk 2012Current Affairs and GKUpdates for NovIBPS Clerk 2012 CallLetterIBPS Clerk NotificationChanges in SelectionProcessImportant DatesIBPS RecruitmentGuidelines
IBPS CLERK 2012
IBPS PO II: SecondRound of AllotmentIBPS PO 2: RevisedAllocation and Cut-offsNew Allocation byMarch EndFinal AllotmentCancelledIBPS PO 2 - FinalAllotmentRegister BankPreferencePreference List(Sample)Scores AnalysisCommon InterviewResultPreference NotificationList of Vacancies inIBPS PO 2012Discuss InterviewExperienceCommon InterviewScheduleCheck Your Score(IBPS PO 2012)Cut-Off MarksIBPS PO Results Out!Important dates
IBPS PO 2012
Check your marksFinal ResultWritten Test Result
SBI PO 2013
Tamilnad Mercantile BankRBI AssistantsIndian Bank - SOSIDBIBank of Baroda - POIDBI - Manipal RecruitmentVananchal Gramin Bank
SSC Adda: All about SSC Examsand More(A unit of bankersadda)
SBI Associate PO FreshBatches at Career Power
IBPS Calendar 2014:IBPS PO 4 in October, IBPSClerk 4 in December, IBPS RRBin September
IBPS PO Online Test SeriesIBPS Clerk Online Test SeriesSSC CGL 2014 Online TestSeries @ Rs.500SSC Online Material @ Rs.465SSC CGL 2014 CorrespondenceCourse @ Rs. 2500BANK PO CorrespondenceCourse @ Rs. 2500IT Officer ProfessionalKnowledge Course (Online) @Rs.199IT Officer Book (Hard Copy) @Rs. 299IT Officer Test Series @ Rs.399
COURSES BY CAREER POWER(HUGE DISCOUNT)
CAREER POWER GHAZIABADCENTRE
OUR ASSOCIATES
Latest on CTET AddaEnglish Quiz
Latest on SSC AddaSSC:General AwarenessNotes
Poll: IBPS Clerk III MarksPoll: IBPS PO III MarksDream Team - IBPS Clerk IIIJoin IBPS PO III Dream TeamState-wise poll of IBPS RRB IIPoll: How much did youattempt in IBPS Clerk III?
CAREER ADDA
Search
SEARCH YOUR TOPIC HERE
WWW.CAREERADDA.CO.IN
IT OFFICER COURSE BY CAREERPOWER
converted by Web2PDFConvert.com
Expected Cut-Offs andAnalyisPost Exam DiscussionLast Minute Tips(Exam Strategy)SBI GK PowerCapsuleDescriptive TopicsWritten Exam CallLetter-DownloadApply Online (SBI PO)Detail Notification
Union Budget 2013-14Economic Survey2012-13Rail Budget 2013-14Category CertificateFormatsCharacter CertificateFormatPromotions in PSUBanksSabbatical LeavePolicy for WomenBond Enforcement inPSU BanksEconomic Survey2011-12Important MarketingTerms-SBI ClerkImportant BankingTerms
IBPS BANK EXAMS -IMPORTANT INFO
CAREER POWER
WWW.CAREERADDA.CO.IN
Bank Power Mobile App
BANK POWER MOBILE APP
IBPS Clerk III ClassroomProgramIBPS PO III ClassroomProgramOnline Test Series (@Rs.945)Bank PO CorrespondenceCourseSSC Correspondence CourseBank PO Classroom ProgramSSC Classroom ProgramSpecialist Officer Batches
JOIN A CAREER POWER PROGRAM
Recent Comments Widget
RECENT COMMENTS
RBI Assistant - InterviewSchedule, Mark Sheet andCut-Off Marks
GK Power Capsule For SBIAssociate PO Exam 2014
Daily GK Updates: 23, 24, 25& 26th Oct 2014
Daily GK Update - 29th Oct2014
Daily GK Updates: 28th Oct2014
United India InsuranceCompany LimitedRecruitment
Daily GK Updates: 27th Oct2014
Daily GK Update - 30th Oct2014
SBI Associate Bank Po Exam- Admit Card
SSC Exam Calendar for 2015out!
POPULAR POSTS
MOST COMMENTED
converted by Web2PDFConvert.com
How was your IBPS PO Examtoday? Share your examexperience (11th October2014 - Morning Session)(3337 comments)Reasoning Quiz (2510comments)Daily GK Updates: 10th Oct2014 (1458 comments)How was your IBPS PO Examtoday? Share your examexperience (11th September2014 - Evening Session)(1401 comments)Daily GK Updates: 30th Sept2014 (1135 comments)IBPS PO 2014 - ExamAnalysis (11/10/2014 -Morning Session) (1128comments)GA Questions - IBPS POExam - 11th Oct 2014(Evening Shift) (1105comments)English Quiz (924 comments)Last Minute Tips for IBPS POIV : Best of Luck (872comments)Computer Quiz (590comments)+Grab This
CAREER POWER
162,454,478TOTAL PAGEVIEWS
+368 Recommend this on Google
(c) Bankers Adda 2014. Powered by Blogger.
converted by Web2PDFConvert.com