Answer / gautam das

NPA as the name suggest Non-Performing means that doesn't
perform in respect of the rules. Before performing the loan
RBI has given many rules and guidelines to the commercial
banks. That are followed but not in due respect...
To lower the risk of NPA:-
1) Before sanctioning the loan you must search all the
information about the customer i.e. his family background,
income background, assets, criminal records, family members etc.
2) If all the searches is complete then take the strong
securities that could be according to the loan.
3) If loan is going to be an NPA as he is not in position to
pay it back then take a conversation with him called
"OTS"(One Time Settlement). And decide to manage the amount
which he or bank can afford.
4) If the customer belongs to criminal record and he is
rigid to not pay back then do as hard rule says. "Kurki Jabti"
5) In my opinion if one is unable to pay back then bank
should take only absolute money not interest. That can cover
the minimum risk of NPA.

How do you decide which tasks take priority when organizing a complete project?

2 Answers   State Bank Of India SBI,

---

RBI Grade B-Officers Recruitment Exam Reserve Bank of India Services Board, Mumbai July 2009.I want the previous year question papers...?

7 Answers   Bank Of India, RBI,

---

Hello sir/madam... I'm one of the selected candidate among recently held Postal Assistance Cadre.. I have been selected for the postal branch SBCO (Savings bank Control Office)... I wanted to know about the sort of work assigned to us in this post and also I have one more query. As the selection for above mentioned post is done on the basis of II PU eligibility, will I be able to apply for higher posts as a part of departmental exams?? Because I have finished my engineering Graduation in Computer Science.. Is there any higher posts which suits for my knowledge base....?? Please help me out with my questions.. It will be very helpful for me...

1 Answers  

---

Hi Friends, congts to all those who got finally selected in BANK OF BARODA. What shall be the next course of action and what may be the approx date of joining? pl suggest.

1 Answers  

---

please............... mail bank po quetion papers with solution and trick to crack the bank po exam emailid deepika22589@yahoo.in

0 Answers  

---

has anybody who has been selected as SBI PO in the February interview against 3500 posts recieved appointment letter or any other letter from the bank? plz let us know.

46 Answers   State Bank Of India SBI,

---

please forward me SBI PO's model or old question papers

4 Answers   State Bank Of India SBI,

---

Those who have been shortlisted for IDBI Asst Manager Interview can post their Mobile No., Email id,Name etc. for detailed information regarding the Interview and to learn How to prepare for Interview. My email Id is soniraj762000@yahoo.com

28 Answers   Idbi Bank,

---

banking organisation structure

4 Answers   Finance, ICICI, State Bank Of India SBI, UBI,

---

If you are appointed as Bank Officer, what steps you can take to mobilize your bank into surplus ?

3 Answers   UTI,

---

when OBC will announce the PO written exam results..

2 Answers  

---

Hi, myself Garima,i have been shortlisted for the OBC PO interview,how to prepare for it ,if someone has cleared any such interview kindly share your experiences and give useful suggestions...............

0 Answers  

---