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PPB Capsule Cards PRO Non-Performing Assets/ St…
What is the general provisioning requirement for standard assets in the Agriculture and Micro/Small Enterprises (SMEs) sectors?
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General Provisioning (Standard Assets)
Non-Performing Assets/ Stressed Assets 51
WA 51
PPB Capsule Cards PRO Non-Performing Assets/ St…
What are the exact delinquency periods for classifying a term loan account into the SMA-1 and SMA-2 categories?
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SMA-1 and SMA-2 Timelines
Non-Performing Assets/ Stressed Assets 47
WA 47
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What is the fundamental policy regarding the recognition of income by banks once an asset is classified as an NPA?
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Income Recognition on NPAs
Non-Performing Assets/ Stressed Assets 43
WA 43
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What crucial accounting action must a bank take regarding accrued interest when a performing loan account slips into NPA status?
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Reversal of Uncollected Income
Non-Performing Assets/ Stressed Assets 43
WA 43
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What are the required provisioning percentages for Substandard Assets based on whether they are secured or unsecured?
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Substandard Asset Provisioning
Non-Performing Assets/ Stressed Assets 43
WA 43
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For an asset that has been in the Doubtful category for up to one year (D1), what is the provisioning norm for the secured portion?
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Doubtful Asset Provisioning (D1)
Non-Performing Assets/ Stressed Assets 43
WA 43
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If an asset remains Doubtful for more than one year but up to three years (D2), how much provision is made on the secured portion?
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Doubtful Asset Provisioning (D2)
Non-Performing Assets/ Stressed Assets 43
WA 43
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For agricultural advances, what is the specific NPA classification timeline for loans granted for 'short duration' crops?
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Short Duration Crops NPA
Non-Performing Assets/ Stressed Assets 40
WA 40
PPB Capsule Cards PRO Non-Performing Assets/ St…
Under the framework for early identification of stressed assets, what exactly constitutes a Special Mention Account-0 (SMA-0)?
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SMA-0 Classification
Non-Performing Assets/ Stressed Assets 40
WA 40
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Under what specific conditions is a Cash Credit (CC) or Overdraft (OD) account classified as 'out of order' and treated as an NPA?
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Out of Order Status
Non-Performing Assets/ Stressed Assets 39
WA 39
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When does a Substandard Asset officially get downgraded to the high-risk 'Doubtful Asset' category?
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Doubtful Asset Classification
Non-Performing Assets/ Stressed Assets 39
WA 39
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How is the NPA delinquency timeline calculated for agricultural loans tied specifically to 'long duration' crops?
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Long Duration Crops NPA
Non-Performing Assets/ Stressed Assets 37
WA 37
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How is 'Net NPA' mathematically calculated from Gross NPA according to the RBI prescribed format?
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Net NPA Calculation
Non-Performing Assets/ Stressed Assets 34
WA 34
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What is the provisioning requirement once a loan is officially identified and classified as a 'Loss Asset'?
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Loss Asset Provisioning
Non-Performing Assets/ Stressed Assets 33
WA 33
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Under what strict conditions can a loan account classified as an NPA be upgraded back to the 'Standard' category?
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Upgradation of NPAs
Non-Performing Assets/ Stressed Assets 33
WA 33
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What is the required provisioning for the secured portion of a Doubtful asset that has remained so for more than three years (D3)?
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Doubtful Asset Provisioning (D3)
Non-Performing Assets/ Stressed Assets 32
WA 32
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Under the framework for resolution of stressed assets, what is the exposure threshold for reporting an account to the CRILC?
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CRILC Reporting Threshold
Non-Performing Assets/ Stressed Assets 31
WA 31
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Non-Performing Assets/ Stressed Assets — JAIIB PPB Capsules

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All 17 cards on this page
General Provisioning (Standard Assets) What is the general provisioning requirement for standard assets in the Agriculture and Micro/Small Ente… SMA-1 and SMA-2 Timelines What are the exact delinquency periods for classifying a term loan account into the SMA-1 and SMA-2 cate… Income Recognition on NPAs What is the fundamental policy regarding the recognition of income by banks once an asset is classified… Reversal of Uncollected Income What crucial accounting action must a bank take regarding accrued interest when a performing loan accoun… Substandard Asset Provisioning What are the required provisioning percentages for Substandard Assets based on whether they are secured… Doubtful Asset Provisioning (D1) For an asset that has been in the Doubtful category for up to one year (D1), what is the provisioning no… Doubtful Asset Provisioning (D2) If an asset remains Doubtful for more than one year but up to three years (D2), how much provision is ma… Short Duration Crops NPA For agricultural advances, what is the specific NPA classification timeline for loans granted for 'short… SMA-0 Classification Under the framework for early identification of stressed assets, what exactly constitutes a Special Ment… Out of Order Status Under what specific conditions is a Cash Credit (CC) or Overdraft (OD) account classified as 'out of ord… Doubtful Asset Classification When does a Substandard Asset officially get downgraded to the high-risk 'Doubtful Asset' category? Long Duration Crops NPA How is the NPA delinquency timeline calculated for agricultural loans tied specifically to 'long duratio… Net NPA Calculation How is 'Net NPA' mathematically calculated from Gross NPA according to the RBI prescribed format? Loss Asset Provisioning What is the provisioning requirement once a loan is officially identified and classified as a 'Loss Asse… Upgradation of NPAs Under what strict conditions can a loan account classified as an NPA be upgraded back to the 'Standard'… Doubtful Asset Provisioning (D3) What is the required provisioning for the secured portion of a Doubtful asset that has remained so for m… CRILC Reporting Threshold Under the framework for resolution of stressed assets, what is the exposure threshold for reporting an a…
Chapters in this paper
Banker-Customer Relationship Principles of Lending, Different Types of Borrowers, and Types of Credit Facilities Essentials of Bank Computerisation Ethics, Business Ethics & Banking: An Integrated Perspective AML- KYC Guidelines Appraisal and Assessment of Credit Facilities Operational Aspects of CBS Environment Ethics at the Individual Level Operational Aspects of KYC Operational Aspects of Loan Accounts Alternate Delivery Channels – Digital Banking Ethical Dimensions: Employees Opening Accounts of Various Types of Customers Types of Collaterals and their Characteristics Data Communication Network and EFT Systems Work Ethics and the Workplace
Modules in PPB
MODULE A: General Banking Operations MODULE B: Functions of Banks MODULE C: Banking Technology MODULE D: Ethics in Banks and Financial Institutions
JAIIB papers
IE-IFS — Indian Economy & Indian Financial System PPB — Principles & Practices of Banking AFM — Accounting & Financial Management for Bankers RBWM — Retail Banking & Wealth Management
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