India
This Course is Expired

Programme in Management of NPAs: Effective Strategies for Prevention, Restructuring and Recovery

This programme is specially designed for officers in banks and financial institutions who are associated with loan recovery and credit monitoring functions
Vijay K Khanna, Programme Coordinator,E-mail : khanna@nibmindia.org , Telephone : 0091-20-26716000 (EPABX) 0091-20-26716322(Direct)
(020) 26716000
INR 39,326

Course at a Glance

Mode of learning : Short programs-ClassRoom

Domain / Subject : Banking & Finance / Accounting

Function : Leadership/Management

Trainer name : Dr. Vijay K Khanna

Starts on : 1st Sep 2014

Duration : 5 Days

Difficulty : Advanced

Programme in Management of NPAs: Effective Strategies for Prevention, Restructuring and Recovery

Management of Non Performing Advances continue to be a challenge for Indian banks given a fall in the GDP during the past two years and the likelihood of a very slow recovery. In the aftermath of global financial crisis, there appeared to be better management of Non-performing Advances (NPAs), but during the period 2012-14, there has been a significant rise both in the amount and percentage of NPAs. The Financial Stability Report of June 28, 2012 states, "The asset quality concerns persist as the growth in Non-Performing Assets (NPAs) accelerated and continued to outplace credit growth". The unprecedented rise in NPAs is a matter of concern for banks who have to make higher provisions putting their profitability, and thereby Capital Adequacy, under stress. 
At the present juncture, banks have to fight on two counts, viz. speedy recovery of bank dues from the existing NPAs and arresting further slippage in standard loan asset quality. For these purposes, the NPA portfolio needs to be anlaysed to determine the reasons for loan default. Some of the external factors, over which the bank has no control, include : Macro economic slow down, low industrial growth ,debt crisis in euro zone and a global slowdown, rupee depreciation, high lending rates, etc. However, many internal factors, such as inadequate and less result oriented recovery efforts and weak credit monitoring system in the banks have also contributed towards the present high level of NPAs. These internal factors should be controlled . For this purpose, there is a need to enhance knowledge and skills of branch managers of bigger branches and credit/recovery officers in controlling office to recover from NPAs on a war footing and arrest slippage in loan asset quality effectively.
During the recent past, many initiatives have been taken in loan recovery which need to be understood from the point of their effectiveness,. To elaborate, implications of SARFAESI Act and DRT Act in India, regulatory guidelines on purchase and sale of NPAs, role of Asset Reconstruction Companies (ARCs) in securitization and reconstruction of financial assets, assistance received from Lokadalats in loan settlement, outsourcing of recovery function, etc., may have to be examined. Experience of banks in the recent restructuring of advances and also in loan compromise and other recovery measures is worth looking into. More importantly, banks have to put in place robust credit monitoring system to obtain signals of loan default and incipient sickness in an account at the early stage to initiate preventive action on timely basis. In this backdrop, the above programme is specially designed for officers in banks and financial institutions who are associated with loan recovery and credit monitoring functions. Over the years, the Institute has developed the above programme series for which the response from the banking industry has been quite encouraging.

Programme Fee (per participant) 

  • US $ 2000 for foreign participant 
  • Mem. Banks : Fee: 35000 ST: 4326 Fee+ST: 39326 TDS: 3500 
  • Non-Mem. Banks : Fee: 41000 ST: 5068 Fee+ST: 46068 TDS: 4100 
  • An early bird incentive of 5% will be given if registered 15 days before the start of the Programme

Course eligibility

Target Audience

Branch Managers, Credit Officers, Managers of Specialised Recovery Branches, and Law Officers in banks and financial institutions?

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Course Contents

  • Recent trends in NPAs and reasons for loan default 
  • Latest IRAC guidelines 
  • Strategies for prevention of NPAs with emphasis on supervision and follow-up, highlighting annual reviews and credit monitoring 
  • Debt restructuring and its impact on lending portfolios, role of Corporate Debt Restructuring (CDR), recent trends in debt restructuring 
  • Rehabilitation of sick companies under SICA 
  • Recovery through lokadalats 
  • Expediting recovery through legal process and functioning of Debt Recovery Tribunals 
  • Recovery strategies under the Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act : Procedural aspects 
  • Sale of loan assets to Asset Reconstruction Company 
  • Negotiating skills in loan recovery

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