Answer Posted / gautam das

NPA as the name suggest Non-Performing means that doesn't
perform in respect of the rules. Before performing the loan
RBI has given many rules and guidelines to the commercial
banks. That are followed but not in due respect...
To lower the risk of NPA:-
1) Before sanctioning the loan you must search all the
information about the customer i.e. his family background,
income background, assets, criminal records, family members etc.
2) If all the searches is complete then take the strong
securities that could be according to the loan.
3) If loan is going to be an NPA as he is not in position to
pay it back then take a conversation with him called
"OTS"(One Time Settlement). And decide to manage the amount
which he or bank can afford.
4) If the customer belongs to criminal record and he is
rigid to not pay back then do as hard rule says. "Kurki Jabti"
5) In my opinion if one is unable to pay back then bank
should take only absolute money not interest. That can cover
the minimum risk of NPA.

i want descriptive paper asked frequently in bank po exams

3422

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Hi All If any one of you wanna banking related interview preparation then contact me on pksingh1512@gmail.com. Currently i am located in Navi Mumbai-Vashi

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please............... mail bank po quetion papers with solution and trick to crack the bank po exam emailid deepika22589@yahoo.in

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plz giv rplyy to these ques. ,,related to bank interview 1)being an engineer ,iwhile qualified bank written exam,,what will u do,if you will get opportunity in engineering??? 2)how long wud u stay wid us or how long u will bring a meaningfull contribution to our firm?????? 3)define the role of junior management officer in private bank?

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Hello Sir I have done BAMS and MBA Health and hospital management. I have clear Indian bank specialist office credit sale II exam and interview is on date 3 aug 2015. Please suggest some good answers for question why you want to join bank after completion of your degree in medical profession?

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