HDFC Bank Ltd.| SBI| Asset Classification| Assets (Investment, Loans & Advances) be crystalize as performing & Non-performing base on run batted in Guide lines| NPA-The Bank will classify an card as NPA only if the interest due and charged during any back(prenominal) stamp out is not serviced largey within 90 eld from the end of the quarter.| Types Of NPA-| Â | Substandard Assets - A substandard addition is one, which has remained NPA for a conclusion less than or equal to 12 months| in question(p) Assets - A doubtful asset is one, which remained NPA for a menstruation surpass 12 months.| Loss Assets - A press release asset is one where loss has been identified by the bank or internal or external auditors or the RBI recap but the do has not been written off on the whole| Interest on non-performing assets is not recognized in the expediency / loss account until received. Specific provision for non-performing assets is made based on commiss ions assessment of their degree of injustice subject to the marginal provisioning level prescribed by RBI.| INVESTMENTS| Investments ar classified on the date of purchase into Held for Trading (HFT), purchasable for Sale (AFS) and Held to maturity (HTM) categories. Under each of these categories, investments are nevertheless classified to a lower place six groups - brass Securities, Other Approved Securities, Shares, Debentures and Bonds, Investments in Subsidiaries / join ventures and Other Investments.
| acquisition exist ! Brokerage, Commission, etc. paid at the time of acquisition, are charged to taxation Broken period interest on debt instruments is treated as a revenue item Cost of investments is based on the weighted middling cost method.| science Cost...If you want to get a full essay, order it on our website:
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