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This plan includes
- Limited free courses access
- Play & Pause Course Videos
- Video Recorded Lectures
- Learn on Mobile/PC/Tablet
- Quizzes and Real Projects
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- Email & Chat Support
This plan includes
- Access to 11,000+ Courses
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- Play & Pause Course Videos
HD Video Recorded Lectures- Learn on Mobile/PC/Tablet
- Quizzes and Real Projects
- Lifetime Course Certificate
- Instructor Direct Support
- Email & Chat Support
- Cancel Anytime
What you'll learn?
- Learn Indepth about NPA Management.
- Learn how to indentify 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 & Fund Siphoning by unscroupless borrowers.
- Learn about Agriculure Loans and about NPAs in Agriculture Loans.
- Learn peculiar characteristics of CC & OD Loans.
- Learn about Date of Commencement of Commercial Operations(DCCO) for Project Loans and its NPA Norms.
Course Overview
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 advance levels.
How this course is different?
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Focus on banking and financial concepts.
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Focus on Legal Concepts.
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Focus on Case Studies
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Lucid explanation of technical words.
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Avoiding technical jargon and bookish language.
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The teaching style will suit the student community of all levels.
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Well-designed course curriculum
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Quizzes at the end to Self-Test your understanding.
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Empowers you to digest the subject and apply in real cases.
For whom this Course is Meant?
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Students preparing for Civil Services Examinations
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Students preparing for Competitive Examinations
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Students of CA/CS/CMA/CFA/MBA & Commerce
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Bank Managers & Credit Officers
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Professionals engaged in Banking audits like Audit Executives, Audit Clerks & Concurrent Auditors.
What will you learn in this Course?
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Banking Model & Banking Risks.
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The IRAC Norms.
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Credit Monitoring.
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Cash Basis & Accrual Basis of Accounting.
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Income Recognition & Income Reversal in NPAs.
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Understanding CC & OD Loans.
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How to Identify PA & NPA?
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Overdue & Out of Order Concepts.
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NPA in Agriculture Loans.
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Asset Classification & Understanding Book Debt Statement.
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Provisioning Norms for all Loans including Guaranteed Loans.
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DCCO in Project Loans and its Provisioning Norms.
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Write Off & Waiver of Loans.
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Understanding the Impact of NPAs.
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Understanding the Causes of NPAs.
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Understanding CRAR & Minimum Capital Requirements in Banks.
Are there any Pre-Requisites for taking this Course?
As such, there is no Pre-Requisite. Anyone who is interested to learn the subject can enroll in this course. Only a good internet connection with a Laptop/PC/Mobile/Tablet will unravel the stored knowledge.
Live Support
In case of any difficulty, you can always contact me. I shall be at arm’s length to handhold you in your journey.
Just enroll in the course and start the journey with me.
See you inside the course.
Pre-requisites
- No Prior Knowledge Required. . Anyone who is interested to learn the subject can enroll into this course.
- Only a good internet connection with a Laptop/PC/Mobile/Tablet will unravel the stored knowledge.
Target Audience
- Students of CA/CS/CMA/CFA/MBA & Commerce.
- Students preparing for Civil Services Examinations.
- Students preparing for Competitive Examinations.
- Bank Managers & Credit Officers.
- Professionals engaged in Banking Audit like Audit Executives, Audit Clerks & Concurrent Auditors.
- Any beginner who is interested to know the subject.
Curriculum 39 Lectures 03:53:21
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Section 1 : Course Introduction
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Section 2 : Latent Risks in Banking Model
- Lecture 1 :
- Latent Risks in Banking Model
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Section 3 : Introduction to NPA Management
- Lecture 1 :
- Accounting Dilemma
- Lecture 2 :
- Past Experience by Banks
- Lecture 3 :
- Prudential Norms
- Lecture 4 :
- Credit Monitoring
- Lecture 5 :
- Twin Balance Sheet _ Security Mapping
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Section 4 : Impact of NPAs in Banks
- Lecture 1 :
- Impact of NPAs in Banks
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Section 5 : Causes of NPA
- Lecture 1 :
- Diversion _ Siphoning of Bank_s Funds
- Lecture 2 :
- External Reasons for NPAs
- Lecture 3 :
- Borrower's Business Factors Leading to NPAs
- Lecture 4 :
- Bank Related Factors Leading to NPAs
- Lecture 5 :
- Summary Points & Study Group Report on NPAs
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Section 6 : Accrual Basis & Cash Basis of Accounting
- Lecture 1 :
- Accrual Basis & Cash Basis
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Section 7 : What is PA and NPA?
- Lecture 1 :
- What is PA and NPA?
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Section 8 : Income Recognition
- Lecture 1 :
- Income Recognition
- Lecture 2 :
- Interest Reversal in NPA Account
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Section 9 : Overdue and Out of Order Position
- Lecture 1 :
- What is Overdue in Loans?
- Lecture 2 :
- Out of Order Concept
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Section 10 : NPA in Agriculture Loans
- Lecture 1 :
- Understanding Agriculture
- Lecture 2 :
- NPA Concept in Farm Loans
- Lecture 3 :
- Case Study on NPA in Farm Loans
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Section 11 : Understanding CC & OD
- Lecture 1 :
- Inter-Relationship of Limit, Margin _ Drawing Power
- Lecture 2 :
- Valuation of Securities
- Lecture 3 :
- CC & OD Case Studies
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Section 12 : Asset Classification & Provisionig Norms
- Lecture 1 :
- Asset Classification & Provisionig- Part 1
- Lecture 2 :
- Asset Classification & Provisionig- Part 2
- Lecture 3 :
- Case Studies on Asset Classification & Provisionig
- Lecture 4 :
- Provision on Guaranteed Accounts
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Section 13 : DCCO in Project Loans
- Lecture 1 :
- Understanding DCCO in Project Loans
- Lecture 2 :
- Revision & Extension of DCCO
- Lecture 3 :
- DCCO Time Periods & Provisioning
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Section 14 : Write Off & Waiver of Loans
- Lecture 1 :
- Write Off & Waiver
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Section 15 : Managing Capital to Risk Weighted Assets Ratio or CRAR
- Lecture 1 :
- What is CRAR?
- Lecture 2 :
- Minimum Capital Requirements
- Lecture 3 :
- Components of Tier-1 & Tier-2 Capitals
- Lecture 4 :
- Manintaining Buffer Capitals
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Section 16 : Lesson Quiz
- Lecture 1 :
- Self Test Your Understanding 1
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Section 17 : Lesson Quiz
- Lecture 1 :
- Self Test Your Understanding 2
Our learners work at
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