Master NPA/NPL Management: Good vs Bad Loans

Good Loans & Bad Loans- All About NPA/NPL Management With Quizzes

Ideal for CAIIB/CA/CS/CMA/CFA/MBA & Commerce Students and Practioners in Finance. Suited for Competitive Examinations

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Last Updated: 2024-12-26 06:12:06 English Course Type: Self Learning

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.

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?

Focus on banking and financial concepts.
Focus on Legal Concepts.
Focus on Case Studies
Lucid explanation of technical words.
Avoiding technical jargon and bookish language.
The teaching style will suit the student community of all levels.
Well-designed course curriculum
Quizzes at the end to Self-Test your understanding.
Empowers you to digest the subject and apply in real cases.

For whom this Course is Meant?

Students preparing for Civil Services Examinations
Students preparing for Competitive Examinations
Students of CA/CS/CMA/CFA/MBA & Commerce
Bank Managers & Credit Officers
Professionals engaged in Banking audits like Audit Executives, Audit Clerks & Concurrent Auditors.

What will you learn in this Course?

Banking Model & Banking Risks.
The IRAC Norms.
Credit Monitoring.
Cash Basis & Accrual Basis of Accounting.
Income Recognition & Income Reversal in NPAs.
Understanding CC & OD Loans.
How to Identify PA & NPA?
Overdue & Out of Order Concepts.
NPA in Agriculture Loans.
Asset Classification & Understanding Book Debt Statement.
Provisioning Norms for all Loans including Guaranteed Loans.
DCCO in Project Loans and its Provisioning Norms.
Write Off & Waiver of Loans.
Understanding the Impact of NPAs.
Understanding the Causes of NPAs.
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.

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.

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.

Section 1 : Course Introduction 1 Lectures 00:07:39
Lecture 1 :
Course Outline Preview
Section 2 : Latent Risks in Banking Model 1 Lectures 00:06:05
Lecture 1 :
Latent Risks in Banking Model
Section 3 : Introduction to NPA Management 5 Lectures 00:18:44
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
Section 4 : Impact of NPAs in Banks 1 Lectures 00:07:29
Lecture 1 :
Impact of NPAs in Banks
Section 5 : Causes of NPA 5 Lectures 00:31:19
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
Section 6 : Accrual Basis & Cash Basis of Accounting 1 Lectures 00:06:36
Lecture 1 :
Accrual Basis & Cash Basis
Section 7 : What is PA and NPA? 1 Lectures 00:08:42
Lecture 1 :
What is PA and NPA?
Section 8 : Income Recognition 2 Lectures 00:14:41
Lecture 1 :
Income Recognition
Lecture 2 :
Interest Reversal in NPA Account
Section 9 : Overdue and Out of Order Position 2 Lectures 00:12:06
Lecture 1 :
What is Overdue in Loans?
Lecture 2 :
Out of Order Concept
Section 10 : NPA in Agriculture Loans 3 Lectures 00:26:59
Lecture 1 :
Understanding Agriculture
Lecture 2 :
NPA Concept in Farm Loans
Lecture 3 :
Case Study on NPA in Farm Loans
Section 11 : Understanding CC & OD 3 Lectures 00:19:35
Lecture 1 :
Inter-Relationship of Limit, Margin _ Drawing Power
Lecture 2 :
Valuation of Securities
Lecture 3 :
CC & OD Case Studies
Section 12 : Asset Classification & Provisionig Norms 4 Lectures 00:22:04
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
Section 13 : DCCO in Project Loans 3 Lectures 00:22:18
Lecture 1 :
Understanding DCCO in Project Loans
Lecture 2 :
Revision & Extension of DCCO
Lecture 3 :
DCCO Time Periods & Provisioning
Section 14 : Write Off & Waiver of Loans 1 Lectures 00:09:23
Lecture 1 :
Write Off & Waiver
Section 15 : Managing Capital to Risk Weighted Assets Ratio or CRAR 4 Lectures 00:19:41
Lecture 1 :
What is CRAR?
Lecture 2 :
Minimum Capital Requirements
Lecture 3 :
Components of Tier-1 & Tier-2 Capitals
Lecture 4 :
Manintaining Buffer Capitals
Section 16 : Lesson Quiz 1 Lectures
Lecture 1 :
Self Test Your Understanding 1
Self Test Your Understanding
Section 17 : Lesson Quiz 1 Lectures
Lecture 1 :
Self Test Your Understanding 2
Self Test Your Understanding 2

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Zenith Academics,

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I am Sudam Ghosh (B. Com; C.S.; M.B.A.; L.LB; C.A.I.I.B.), CEO of Zenith Academics and an instructor for courses on Banking, Finance, Risk Management & Law. I have worked as a Credit Officer at various levels, including as Branch Head, in Very Extra Large Branch and as Chief Manager Faculty at Apex Training College of a Public Sector Bank, for a long time and also have 20 years’ experience of teaching banking, credit, financial and risk management subjects. My experience enables me to focus on the weakness of the students by fixing their core idea and then delving into complex areas of learning in very simple teaching style. It has been my passion for teaching that has brought me to this global platform. However, Zenith Academics is a platform engaged in preparing engaging online courses in diverse subjects with a student bias. We strive to achieve a multidisciplinary approach in learning and provide engaging online courses in psychology, banking, finance, law, technology, language, etc. to reach a vast multitude of students worldwide. We engage domain experts to create courses as per student needs. We have courses on psychotherapy prepared by Najwa Bashir, a counselling psychologist, which have been very well received by the global student community. So hook on to the course and experience the journey. Looking forward to connecting with you. Happy learning. Sudam Ghosh, CEO, Zenith Academics