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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 |
Frieds, some more information for SBI clerical interview and I am Udaya Bhaskar 9490238751 At present Managing Director of SBH is Smt. Renu Challu and Chief General Manager is Sri. Sudhir Garg. Main office of SBH is situated at Gunfoundry, Hyderabad. Coming to SBI, Sri. OP Bhatt is the Chairman, SK Bhattacharya is MD&CC&RO as of my knowledge. Corporate of office of SBI is located at State Bank Bhavan, PB NO.12, Madame Came Road, Mumbai-400021. Turnover of SBI and its subsidiaries is reached around 8 lakh crores. SBH alone reached turn over of 1 lakh crores and it is equal to Canara Bank Turnover. SBH booked 616 crores Net profit for the year 2008-09. Largest bank of world for 2008 is 1) Industrial & Commercial Bank of China (China) 2) Bank of America (US) 3) (Honkong and Shangai Banking Corporation)HSBC Holdings (UK) Functions of RBI - Serves as Banker to Banks - Serves as Banker to Government - Serves as controlling authority for whole banking process in India - Serves as Currency issuing authority* * Kindly note that issual of coins and one rupee not is done by Ministry of Finance Micro finance is lendig small amounts of money to the poor at lesser interests
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