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what is NPA
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Answer / pinal
Loans and advances given by banks to its customers is as
asset to the bank. But, when repayment of interest and
Principal is overdue, such asset is classified as NPA in the
financial reports of banks.
| Is This Answer Correct ? | 38 Yes | 3 No |
Answer / prashanthi
NPA is nothing but NON PERFORMING ASSETS
Simply its a Bad Debts to Bank.
| Is This Answer Correct ? | 23 Yes | 10 No |
Answer / kool
Banks earn income from an asset(loan in case of banks)by
way of interest. As long as the asset is good (performing),
it generates income for banks. When an assets becomes
bad,it stops generating income. Banks cannot charge
interest on bad assets. Thats why it is called as Non
Performing Asset.
| Is This Answer Correct ? | 9 Yes | 1 No |
Answer / surbhi naval gadhiya
A NPA WAS DEFINED AS A CREDIT IN
RESPECT OF WHICH INTREST AND
INSTALLMENTS OF PRINCIPAL,
AMOUNT HAS REMAINED 'PAST DUE'
FOR A SPECIFIC PERIOD OF TIME.
SPECIFIC PERIOD IS REDUCED IN
A PHASE MANNER AS UNDER;
1993-4 QUARTER
1994-3 QUARTER
1995-2 QUARTER
| Is This Answer Correct ? | 4 Yes | 2 No |
I have appeared for sbi clerical exam in Nov 2009. My reg No is 2130085, and I lost my roll no. could any one please guide me how to get my roll no and result
0 Answers State Bank Of India SBI,
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Hi every body can any body clear one of my doubt. in advertisement they mentioned only 800 posts for andhra pradesh and Total ( including other states) it is 1200. but in sbh website it is published for 1270 for andhra pradesh.and the candidates of other states who selected for SBH other states like maharastra is in not available in that list. Hear is my doubt about 470 ( 1270-800).Also we unable to know who are in within 800 list and who are above 800 list. i hope everybody understand my qustion.i am in tenson .please help me....
Hi, this Udaya Bhaskar (9492038751) again. I posted a post already today (23.05.2009, 11:30 hrs, SBI Staff Training Centre, West Maredpally, Sec'bad) morning immediately after i attended the interview of SBH Clerical from Hyderabad Region. Now I am giving some material on Clerical interview for the benefit of your good selves. SLR - Statutory liquidity ratio - 24% at present (RBI range25% - 40%) CRR - Cash reserve ratio - 5 % at present Repo rate - 4.75 % at present - It is the rate at which RBI lends money to Banks Reverse Repo Rate - 3.25% - It is the rate at which Banks park their funds with RBI Bank Rate - 6% at present - It is the rate at which RBI lends money to Banks Main difference between Repo rate and Bank rate is that Repo rate is the discounting offered by the RBI on the monetary bill hold by the Banks Savings Bank Rate - 3.5% for SBH & SBI Call money rate - 2.25% - 4.30% - It is the rate of interest charged by the banks for temporary borrows among banks Legar Tender Money - Currency issued by RBI Optional Money - Cheques, DDs, Bankers Cheques Plastic Money - Credit card, Debit card Credit card is ready made overdraft in e-form for buying good and services by the card holder within specified limits and according to terms and conditions of the issuer Bank without having any account. Debit card is e-Cheque which can be used within the limits of the credit in the account associated with it for financial transactions. Core Banking - Networking of Banks for providing any where any time Banking is called Core Banking Merchant Bank provides capital to firms in the form of shares rather than money. Investment Banks tend to provide investment to firms. Corporate Banking looks after the needs of Big firms, companies, business entities Business Banking looks after needs of medium level business firms, entities, individuals Retail banking focusses to provide services to individuals Private banking focusses to provide services to high networth individuals Lead Banking focusses on providing all type of financial services Narrow Banking focusses on a particular sector like Mortgage, Auto Finance etc. With best wishes, Udaya Bhaskar 9492038751
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