{"id":85832,"date":"2019-04-02T17:03:34","date_gmt":"2019-04-02T11:33:34","guid":{"rendered":"http:\/\/factly.forumias.com\/?p=3272"},"modified":"2019-04-02T17:03:34","modified_gmt":"2019-04-02T11:33:34","slug":"rbi-tweaks-npa-divergence-disclosure-norms","status":"publish","type":"post","link":"https:\/\/forumias.com\/blog\/rbi-tweaks-npa-divergence-disclosure-norms\/","title":{"rendered":"RBI tweaks NPA divergence disclosure norms"},"content":{"rendered":"\n
  1. The Reserve Bank of India (RBI) has said that banks should disclose Non performing assets(NPA) divergences if there is a more than 10% difference in their assessment of bad loans versus that of the regulator.<\/li>
  2. The divergence in non-performing assets is the difference between the central bank\u2019s assessment and the bank’s reported non-performing loans.<\/li>
  3. Earlier,the banks were required to disclose additional provisioning requirements if divergences were found to be exceeding 15% of the published net profits after tax.<\/li>
  4. However, the RBI did not change any rules that permit banks to reveal divergences if the additional gross non-performing asset (NPA) exceeded 15% of the reported incremental gross NPAs.<\/li>
  5. Non-performing assets(NPA) is a loan or advance for which the principal or interest payment remained overdue for a period of 90 days.Banks are  required to classify NPAs further into (a)Substandard assets: Assets which has remained NPA for a period less than or equal to 12 months, (b) Doubtful assets: An asset would be classified as doubtful if it has remained in the substandard category for a period of 12 months and (c)Loss assets:Loss asset is considered uncollectible and of such little value that its continuance as a bankable asset is not warranted, although there may be some salvage or recovery value.<\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"

    The Reserve Bank of India (RBI) has said that banks should disclose Non performing assets(NPA) divergences if there is a more than 10% difference in their assessment of bad loans versus that of the regulator. The divergence in non-performing assets is the difference between the central bank\u2019s assessment and the bank’s reported non-performing loans. Earlier,the… Continue reading RBI tweaks NPA divergence disclosure norms<\/span><\/a><\/p>\n","protected":false},"author":61,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":""},"categories":[3127],"tags":[3170,687,3325,394],"class_list":["post-85832","post","type-post","status-publish","format-standard","hentry","category-economy","tag-banks","tag-non-performing-assets","tag-npa-divergence","tag-rbi","entry"],"jetpack_featured_media_url":"","views":{"total":0,"cached_at":1700805700,"cached_date":1704898065},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/posts\/85832","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/users\/61"}],"replies":[{"embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/comments?post=85832"}],"version-history":[{"count":0,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/posts\/85832\/revisions"}],"wp:attachment":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/media?parent=85832"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/categories?post=85832"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/tags?post=85832"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}