#npa management

[npaconsultan]

Comparative Study of NPA account settlement Impact of The Nationalized Banks

A viable, sustainable and strong banking system is crucial for the overall development of the economic structure of a country. The failure of an effective banking system may lead to adverse impacts in various spheres of the economy. Both the Public Sector Banks and the Private sector Banks in India have made considerable contributions in all economic aspects.

However, the amount of non-performing assets or NPA in the balance sheet can have a deep impact on the bank’s profitability. As per the directives of RBI, the accounts become non-performing when the loan account is overdue and the bank fails to recover the capital or interest from the capital for over a period of 90 days.

Plans to increase productivity

Over the past few years, there is a powerful drive going on in the nationalized banks to enhance their profitability. This implies that the PSBs also have to think of improving productivity, which is necessary to survive in the present economic state.

The future of the banks lies in the ability of the banks to build good quality assets consistently even in a competitive environment and minimize the NPAs. Competition and consolidation are the two prime factors that will impact the private and public sector banks in future. The effective methods of NPA account settlement can turn out to be the factors dominating the future of the banking system.

NPA categories

Every bank has to classify all the non-performing assets into three categories, depending on the time frame over which the asset has been in the non-performing stage and the realise-ability of the debts:

Doubtful assets

Substandard assets

Loss assets

The detection of the NPAs and the able management of the debts will help the bank to enjoy more financial stability.

Impact of NPA on banking systems

The level of return on the assets is one of the most significant aspects of the bank’s efficiency. Its high tie for the banks to provide provisions for the NPAs from the present profit ratio. The NPAs can affect the return to the assets in the following ways:

Increase in cost of capital

Reduction in ROI

Fall in the interest income of the banks accounted only on receipt mode.

Disturbance in the capital adequacy ratio with the entry of NPA in the calculations

Doubtful debts and bad debts add to the loss

Limitations in recycling the funds

Mismatch in assets and liabilities

It's high time to consult the NCLT lawyers in Mumbai who can help the banks to regain economic stability.

Comparative study

Thorough research of the ten years’ data from the top Indian banks like Canara Bank and State Bank of India shows that the banks are making policies that try to contain NPA for improving the profitability and asset quality.

HDFC and PNB show superior NPA management systems if you compare them to the systems existing in SMI and ICICI or other private sector banks. The system even supersedes the system of the public sector banks too.

The positive trend in NPA control

Recent research studies on trends of the non-performing assets in the various private banks of India show that the level of NPAs in the public sector banks is alarming. But it also shows some improvement in the asset quality with a little decline in the NPA percentage. Thus, the studies show that the banks can maintain economic stability if they take timely action against the degradation of the good-performing assets instead of concentrating only on the NPAs Analytical study

A thorough analytical study shows that the NPA of all the nationalized banks is showing an upward trend. Therefore, statistical records also pave the way for the banks to apply better measure for NPA management

[npaconsultant-stuff-blog]

What is the process of one-time settlement in banking? | NPA Management

Why do people take loans? It is a great way of helping your finance for various things. You may take a loan for completing your education, buying a new house, the wedding of your kids, to go abroad, or anything else.

If you are a company, then you will take a loan to diversify your business or launch a new project.

You make great planning and ensure that repayment of the loan is done in time. However, no matter how systematic your repayment plan may be, you cannot foresee all the possible bottlenecks. You may become a victim of unforeseen circumstances. There could be an unexpected loss in the business, or you lose your job due to an illness.

Such circumstances will seriously hamper the ability to repay your loan. You will miss the installment and get follow-up calls and reminders from the bank. It affects your credibility and market value.

When a bank or financial institution sanctions a loan, it expects that the loan will be repaid within the stipulated time. For a bank, a loan is an asset that generates income in the form of interest.

When the loan is not paid, it becomes an NPA or Non-Performing Asset. NPA is not desirable for any financial institution. When it goes beyond a threshold, it becomes a risk to the survival of the bank. Hence, it requires concrete npa management methods.

When a bank fails to recover the loan, it approaches the borrower with options like a one-time loan settlement. Though it looks like a simple offer, it may ruin the credit score of the borrower.

What is a One-Time Loan Settlement?

It is part of the overall npa management policy of a bank or financial institution. In this process, the bank or financial institute agrees to accept a smaller amount instead of the entire due amount. When it does so, the bank waives off the rest of the amount and makes repayment easier for the borrower. The option may be offered by the bank after six months of non-repayment.

The bank takes various measures to investigate the case before arriving at the conclusion. It will allow them to validate the reason for not paying the loan.

How Does the process of one-time settlement carry out?

First, the bank should believe that the reason for non-payment is legitimate. The bank offers a moratorium period. The option is for those borrowers who want to pay the amount in one go. After an agreement, the bank will waive off a part of the outstanding loan amount to make the repayment easy.

How much amount will be written off will depend on the gravity of the financial condition and the ability of the borrower to repay the loan. Since the borrower is agreed to settle the loan, its repayment status will be recorded as “settled” and not “closed”. The credit score of the borrower will be affected by the difference.

One-time settlement is considered an important tool of npa management policy.

Alternatives

It is quite obvious that opting for a one-time settlement is not advisable unless it is necessary. There are some other alternates to it.

The borrower should liquidate the savings instead of applying for a loan. Also, it should negotiate with the bank to request an extension for the repayment term. Or, it should ask for a restructured repayment plan.

The borrower can request the bank to hold off the interest rate or reduce it for some time.

One-time settlement is the last resort. For a bank also, it is not a profitable proposition. Therefore, it will use it only when there is no other solution.

For more information - https://www.npaconsultant.in/blog/blog-details/what-is-the-process-of-one-time-settlement-in-banking-1

[finlender]

 Finlender: Your Partner in Navigating NPA Accounts

Managing Non-Performing Assets (NPA) is one of the most significant challenges faced by financial institutions today. At Finlender, we understand the complexities and financial strain that NPAs can impose on your business. That's why we offer specialized funding solutions designed to help you navigate these challenges effectively and strategically.

What Are NPA Accounts?

Non-Performing Assets (NPAs) are loans or advances for which the principal or interest payment remains overdue for a period of 90 days or more. These assets do not generate any income and are often viewed as liabilities, impacting the financial health of lending institutions. NPAs can arise from various reasons such as borrowers facing financial difficulties, economic downturns, or inadequate risk assessment processes.

Finlender’s Approach to NPA Management

At Finlender, we offer a comprehensive approach to managing NPAs that goes beyond traditional methods. Our solutions are tailored to support your institution in mitigating risks and recovering value from non-performing assets.

1- Expert Assessment and Advisory: Our team of financial experts conducts a thorough analysis of your NPA portfolio to identify underlying issues and potential recovery strategies. We provide actionable insights and advisory services to enhance your NPA management practices.

2- Strategic Funding Solutions: We offer flexible funding options specifically designed to address the financial gaps caused by NPAs. Whether you need immediate liquidity to cover operational costs or long-term funding to restructure non-performing loans, Finlender provides the necessary financial support to stabilize your institution.

3- Innovative Recovery Mechanisms: Utilizing advanced analytics and recovery tools, we assist in maximizing the recovery of NPAs. Our innovative mechanisms are designed to improve the efficiency and effectiveness of your recovery efforts, ensuring that you can reclaim the value tied up in these assets.

4- Partnership and Collaboration: We believe in building strong partnerships with our clients. Finlender works closely with your team to implement customized NPA management strategies. Our collaborative approach ensures that you receive continuous support and guidance throughout the recovery process.

Why Choose Finlender?

Choosing Finlender means partnering with a financial institution that prioritizes your success. Our proven track record, deep industry knowledge, and commitment to innovation set us apart. We are dedicated to helping you transform your NPA challenges into opportunities for growth and stability.

Tailored Solutions: We understand that each institution’s needs are unique. Our solutions are customized to meet your specific requirements.

Expertise and Experience: With years of experience in the financial sector, our team brings unparalleled expertise to the table.

Client-Centric Approach: Your goals are our priority. We focus on delivering results that align with your business objectives.

Get Started with Finlender Today

Navigating NPAs requires a strategic partner who understands the intricacies of financial recovery. Let Finlender be that partner. Contact us today to learn more about our funding solutions for NPA accounts and how we can help your institution achieve financial resilience.

Finlender – Empowering Your Financial Future.

READ MORE...NPA and OTS Finance Private Equity Project Finance, Corporate Finance Company in India - Finlender

[the-rsace]

Npa consultant provides various types of NPA services We at npa Consultant provide professional guidance to manage non performing assets Npa Consultant has a team of experts in various field like Legal, Banking and Finance etc

[mediapasta]

Npa consultant provides various types of NPA services We at npa Consultant provide professional guidance to manage non performing assets Npa Consultant has a team of experts in various field like Legal, Banking and Finance etc

[deathnotewiki]

October 8, 2004:

Matsuda breaks into the Yotsuba building and overhears high-ranking employees discussing murder.

Caught by the executives, Matsuda poses as Misa Amane’s manager and promotes her to them.

Matsuda fakes his death by falling off the balcony of Misa Amane’s apartment (the investigation headquarters).

October 8, 2009: NPA director Kanichi Takimura is abducted by Mafia members working under Mello.

[rinneroraito]

Good Girl

I’ve lost track of how many times I’ve seen Raye Pember die.

My eyes sting and I press my eyelids shut for a good minute or two as I sink back into the couch I shared with The World’s Greatest Detective, L. I bring my feet up on the couch, pressing them against my chest as I exhale sharply. Even though I had my eyes shut, I could feel his wide eyes on me.

“Miss Uehara, if you’re feeling too tired to continue I am allowing you to leave. I can take care of this on my own.”

Eyes still closed I raise a finger at him, prompting him to pause his thoughts or even discard his suggestion.

“I’m alright, Detective. Can we take a break though? Just a few minutes, I want to take my eyes off of the screens so I can have a fresher view of it.”

“That’s alright, you can go ahead and take a break. I’ll be right here.”

“Take a break with me.”

I open my eyes and meet his gaze, the shadows under his eyes making his stare sharper than he intended.

“Just a few minutes, it’s going to help you, too. We can just sit here and talk.” I suggested, but it came out more as a plea than anything.

He scans me with his shadowed eyes, pondering my suggestion.

“Alright, fifteen minutes then. Does that work for you?”

“That’s plenty enough, thanks.” 

I peel my eyes away from him as I reach into my jacket pocket for a lollipop. It could have been the way I was almost begging to take a break from watching the surveillance footage that gave it away, but it was very apparent that I was on edge. I know that he noticed.

My nails scratch against the candy’s wrapper as I try to open it.

“What the fuck...” I mutter to myself in growing frustration as the wrapper stays stuck to the lollipop.

“Let me.” L reaches out a hand to me, offering to open it. I hand it to him with a frown and he takes it from me, holding it daintily with only his thumb and forefinger.

“You seem to be on edge, Miss Uehara, are you getting frustrated over the latest developments in this case?” He asks as he wraps his other thumb and forefinger around the base of the lollipop’s wrapper. Once he gets a firm grip around it, he twists the stick around and the wrapper crunches open.

“Frustrated is one thing, I’m… Angry? Confused? Dispirited” I shake my head. “It’s a lot of feelings to process, a mixture of emotions I have to keep in check or my judgment could be clouded. Not a good look for a Detective or an Investigator to be taken away by their emotions too much, that’s what I believe.”

I turn to him and he’s already peeled off the wrapper from the lollipop.

“It’s just as I thought then, considering the scale of this case is nothing compared to what you used to handle at the NPA. Here.” He offers the lollipop back to me, holding it upright by his thumb and forefinger.

“I don’t want it anymore.” I huffed sullenly.

“Please don’t be stubborn, Miss Uehara.”

He stares at me, and despite the piercing abyss that were his dark eyes, there seems to be a gentleness in his gaze. 

“This is an incredibly high profile case after all. The fact that you’re here persevering despite your conflicted emotions and managing them as healthily as you can is nothing short of commendable. Now here, it’s yours. I helped unwrap it for you, please take it.” He reaches the candy closer towards me that it was pressed against my lips, his face still sporting the usual stoicity he’s associated with. 

“You’re doing your best, you’re aware that you need help and you should accept it.”

The light from the screens made him look uncanny, hauntingly captivating.

I gingerly open my mouth and he places the lollipop snug against my tongue. My eyes widen as his thumb and forefinger drop to my chin, pressing them upwards to close my mouth.

His words come out calm and as comforting as he could sound.

“You feel like this case is like that lollipop you were struggling to unwrap. But I’m here to help, and just because I’ve offered my assistance doesn’t mean it’s mine alone, it’s ours. Do you understand?”

Biting down gently on the stick of the lollipop, I nod, still holding his gaze with wide eyes.

“Good girl. You’re doing well.”

My eyes grow wider as I feel my ears start to burn. And I could swear his stoic expression had transformed ever so slightly into something more smug.

“Interesting...” He says as he slowly inches his face closer to mine, tilting his head,  inspecting me.

“Miss Uehara, do you happen to be blushing?”

My hand finds its way on his chest, preventing him from getting any closer. I look away in an effort to hide my flustered expression, trying to get my bearings.

“Let’s get back to work, Detective. You can ask me about that later.”

I look up at him. And for a moment, there was the ghost of a smile on his pale face.

[captainhysunstuff]

Light didn’t meet L’s successors while L was alive because it would have swiftly taken a turn into their version of the Radioapple “Hell’s Greatest Dad” song.

Or the funnier option. Soichiro and Ryuk going at it over custody of Light. (Soichiro’s the most likely character to shout “Take that, depression!”) 

Both ideas are brilliant~!!! 🤣 VERY drawn to the Soichiro vs. Ryuk pitch~!

Soichiro:

Looks like that you need some aid

From the head honcho of the NPA!

Here’s what the top brass have to say:

“Great work!” “Amazing!” “The pride of the force!”

Ryuk:

I’m your guy! You know I’m great!

I’m your pal! Your ultra cool roommate!

Remember when I killed that guy you hate~?

Guy’s victim:

He was a jerk! Thanks, Kira~!

Light:

Oh, you~. 😏

With the successors, would it be Mello and Near vying for L’s attention if he requested their help or something? That’d be pretty darn entertaining, too~. I could even picture Matt interrupting like Mimzy does (maybe he just beat a hard level in a game or managed to break through a firewall). 😆 Who would interrupt the Soichiro vs. Ryuk version? Misa? Sayu or Sachiko? Maybe Matsuda??? I feel any of them could work!

Excuse the enthusiasm, but seeing this at work gave me a real kick and I had something fun to think about the rest of the night. Thank you~.

[dicenote]

I just had a terrible idea for a roleswap between my four fav dn characters so here we go

Lawliet "L" Wammy (age: 18)

A brilliant student but a bit of a shut-in

Spends all his time either in school or locked in his room on the computer

True Crime fan before it was cool

His father Quillsh is proud of his impressive grades but really wishes he'd go out more

A bored Shinigami (maybe Ryuk? idk about swapping the Shinigami) directly hands L a Death Note because they thought he'd have fun with it.

L immediately uses it and his detective skills (along with his connections online) to solve cold cases.

"Light" (age: 24)

Real name: Tsuki Yagami

A mysterious, faceless detective who works alongside his mentor "Asahi" to solve cases that seem fun.

"I am the Light that will purge Kira's darkness! I am Justice!"

^^Total drama queen. The maniacal laughter with his voice modifier is just *chef's kiss*

Has no problems with using criminals to get results, but Asahi will often call him out on his more questionable choices.

Officer Misa Amane (age: 23)

During the Kira case, her alias is Misaki Anai

Just recently hired on the NPA

Often gets sent to fetch people coffee, much to her dismay

Wants to protect innocent people, but is unsure about her stance on Kira most of the time

Works on the Kira Task Force alongside Light and the other NPA officers

(Maybe Aizawa's the chief in this timeline? Idk about putting Quillsh on the NPA, it might be more fun to see how Kira would operate without that inside info)

Pretends to be Matsu-Matsu's manager to keep an eye on him

(She has way too much fun with the manager gig and hates having to pass it off to Mogi later. Or maybe she's a lot sneakier during the Yotsuba arc. idk)

Touta "Matsu-Matsu" Matsuda (age: 22)

Not-so-successful model (but he's having fun with it)

After finding a dropped Death Note and reading the rules, he figures out that Kira must have one too

He uses secret messages to find Kira on a Kira fansite

The two of them try to crack cases and go after criminals together

I'm still debating if Matsu gets the Shinigami Eyes. If he thinks it's the only way he can be useful to Kira he might do the trade. But also I want him to live so 😭😭

He's a pretty good cover for L once the two of them meet in person- L can pretend that he's made a friend in school to keep his father off his back

[beardedmrbean]

The man who had been chief engineer at South Africa’s state-owned passenger rail company has been sentenced to 15 years in prison for faking his qualifications.

Once hailed for his successful career, Daniel Mthimkhulu was head of engineering at the Passenger Rail Agency of South Africa (Prasa) for five years - earning an annual salary of about 2.8m rand ($156,000; £119,000).

On his CV, the 49-year-old claimed to have had several mechanical engineering qualifications, including a degree from South Africa’s respected Witwatersrand University as well as a doctorate from a German university.

However, the court in Johannesburg heard that he had only completed his high-school education.

“The sentence sends a strong message that the perpetrators of white-collar crime will not go unpunished," said Phindi Mjonondwane, spokesperson for the National Prosecuting Authority (NPA).

Damning report exposes rampant SA corruption

Load-shedding, poor management, corruption and sabotage

Mthimkhulu was arrested in July 2015 shortly after his web of lies began to unravel.

He had started working at Prasa 15 years earlier, shooting up the ranks to become chief engineer, thanks to his fake qualifications.

The court also heard how he had forged a job offer letter from a German company, which encouraged Prasa to increase his salary so the agency would not lose him.

He was also at the forefront of a 600m rand deal to buy dozens of new trains from Spain, but they could not be used in South Africa as they were too high.

“The court took into account the seriousness and prevalence of fraud, the significant financial loss to Prasa and Mthimkhulu’s betrayal of his employer’s trust," Ms Mjonondwane said.

In an interview from 2019 with local broadcaster eNCA, Mthimkhulu admitted that he did not have a PhD.

"I failed to correct the perception that I have it. I just became comfortable with the title. I did not foresee any damages as a result of this,” he said.

Lt-Gen Seswantsho Godfrey Lebeya, the head of South Africa’s elite Hawks police unit that helped bring the prosecution, also welcomed the sentence.

“This should serve as a lesson to would be fraudsters that crime doesn’t pay," he said.

The Hawks said this was a case linked to "state capture", a term used in South Africa to describe widespread corruption that occurred under Jacob Zuma when he was president from 2009 until 2018.

Mthimkhulu is reportedly planning to appeal.

[npaconsultant-stuff-blog]

The handling of NPA Management and debt settlement are both vital to a bank s financial stability The debt balance cannot be reinvested until it is repaid

[xakuprime-4]

So as the world's most normal Xaku main, I - in my infinite disappointment that Xaku didn't get their prime during tennocon - decided that I would try and recreate base Xaku in Destiny 2.

Details under the cut

For all the Destiny players that have never touched Warframe; this is the base appearance of Xaku, and since their design is asymmetrical I had a feeling it would be very difficult to get close to it, but I really only had trouble with my Titan (the class I rarely touched from Launch to Witch Queen) since I would have less armor options for them as I would Hunters and Warlocks. Not to mention I've been a solo player for like. 97% of my playtime and never got to touch the old raid gear outside of being randomly invited to a clan and nabbing some Leviathan guns from clan engrams (thanks Hawthorne)

Anyways here are the appearances I managed to come up with from best to worst, with equipped shaders and armor pieces listed for those who cannot view the images.

[WARLOCK]

Helmet \\ Streetcholar Cover + Crucible Vermillion

Arms \\ Moonfang-X7 Gloves + Carbon Blood

Chest \\ First Ascent Robes + Carbon Blood

Legs \\ Tread of the Helen Lords + New Monarchy Regalia

Class Item \\ Solipsism (default) + Carbon Blood

----

Obviously Xaku doesn't have a robe, but as far as the positioning of the armor goes, I'd say it's pretty close to the original. The bond hardly matters at all but since I plan on using the Xaku look I decided I should at least make sure I can have some utility. Overall a solid set, and I'm happy with how this one came out.

----

[HUNTER]

Helmet \\ Pathfinder's Helmet + SUROS Tone

Arms \\ Tangled Web Grips + Crucible Prestige

Chest \\ BrayTech Combat Vest + Crucible Prestige

Legs \\ Scorched Hunter Strides + SUROS Tone

Class Item \\ Renegade Hood + Spark of Joy

----

Obviously it's not the best, but it still works fairly well. Sure the arms could be on the other way, and the red pieces could use that shine (which I tried to do but shaders work in weird ways and I'm not spending 2 more hours trying to find the red ones that have shine to them) but still a solid look. I do really like the legs though. Helps with the broken look and the light blue almost looks like it could be the tendrils.

----

[TITAN]

Helmet \\ Dark Age Helm + SUROS Modular Shine

Arms \\ Moonfang-X7 Gauntlets + Carbon Blood

Chest \\ NPA "Weir-Walker" Plate + Warbrick

Legs \\ Cinder Pinion Greaves + Crucible Redjack

Class Item \\ NPA "Weir-Walker" Mark (Default Shader)

----

The Titan is just a mess. The helmet works great, the chest is eh but it works toward the original look, the mark is decent and only there because I needed to reduce clutter and the tube worked to act as a single tendril, but the ARMS. The LEGS. I spent so much time trying to find any of the ones that could possibly be asymmetrical in a way that may work for the design, but of course they're both just clunky looking. The set as a whole doesn't even look cohesive. At least for Xaku the mismatched parts work in their favor but this feels just wrong to me. Spent too much time trying to even find shaders that would make the parts look how I needed them too but in the end I'm not satisfied. There are probably some Eververse ornaments that would probably work better, maybe some raid gear, or some of the old armor I missed in past seasons and vaulted raids. But I just do not have enough for the Titan for this to be good, let alone worth it.

----

Anyways if anyone wants to try making their own Xaku's I'd love to see the results, especially for the Titan I'd really like to see them get something better than what I did. Or if you're inspired to make other Warframes in Destiny that would be cool to see. You could definitely make an easy Rhino on a Titan but I'm not gonna worry about that.

[devendrajain15]

Section 61 of the Insolvency and Bankruptcy Code has faced scrutiny for its perceived strictness, raising questions about its impact on corporate insolvency proceedings and stakeholder interests.