NPA BOOKLET #2

BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur. For internal circulation only

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CHAPTER 5

MENU NAVIGATION FOR NPA IN B@NCS24

The following menus, which are used for NPA functionality, are covered in this chapter

1. NPA status through Short Enquiry 2. NPA enquiry for finding Arrear Condition 3. Manual change of New IRAC Status 4. Manual change of Old IRAC Status

1. NPA STATUS THROUGH SHORT ENQUIRY

Using short enquiry user can find out the following information in respect of a Loan / CC /OD account

New IRAC Status a) Old IRAC Status b) NPA Date c) INCA and UIPY amounts

Menu Navigation for TL / DL accounts

!

The user has to input the Account Number and Select the option as 1.Normal Details and Transmit. System will return SCR No. 32100. The details mentioned above are shown in the screen shots available in the following page.



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SCR No. 10400 (Prompt Screen for Short Enquiry of TL / DL)

User needs to select the option as Normal Details.



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SCR NO. 32100 : LOANS SHORT ENQUIRY : RETURN SCREEN

The NPA date in respect of TL / DL accounts will be available under Long Enquiry which is shown in the next page.

UIPY / INCA AMOUNTS

New and Old IRAC Status



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Screen No. 32101 : TL / DL Long Enquiry:

(Return Screen)

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The NPA Date in respect of TL/DL accounts is calculated based on the New IRAC Status which is changed to Risk Grade 04. It is available in Long Enquiry.



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Menu Navigation for CC / OD accounts

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The user has to input the Account Number and Select the option as 2. Overdraft Details and Transmit. System will return SCR No. 32032. The details mentioned above are shown in the screen shots available in the following page



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2. NPA enquiry for finding Arrear Condition

This enquiry has two parts a) Risk Grade Enquiry and b) NPA Status Enquiry.

The use of these two are furnished in a tabular form below -

Risk Grade Enquiry NPA Status Enquiry Changes in New IRAC Status of a/c Amount of arrears Date & Time of Change No. of days in arrears Condition Number No. of days without renewal Risk Grade & Description No. of days in current risk grade No. of days without Stock

Statement Security Erosion

Menu Navigation for NPA Enquiry

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Please note that these enquiries are common for CC / OD and DL / TL accounts.

Relevant screen shots for the above enquiries are furnished in subsequent pages.



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SCR No. 10511 Prompt Screen for NPA Enquiry

1. Enter Account Number 2. Select System as DEP for CC/OD accounts and LON for DL/TL accounts 3. Select Enquiry Option as Risk Grade History Enquiry (or) NPA Status

Enquiry as the case may be.

1. Enter Account Number

2. Select appropriate value for System

3.Select the Enquiry Option



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SCR No. 32511 (Return Screen) Risk Grade History Details

The user can get the following information from the above screen

1. The first column Bad Debt Ind denotes Risk Grade which is New IRAC Status.

2. This column shows the changed status of the loan account. 3. The second column gives the description of the current Risk Grade. 4. Third and fourth columns show the Date and Time of the change. 5. Fifth and sixth columns show the User Id and the Branch Code in case of manual

update. 6. Seventh column shows the Arrear Condition Number, which triggered the change

in the IRAC status of the account. (Shown in Column No. 1)

Risk Grade Enquiry

103



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Other Points to be observed

Latest changes will appear in the top

If there is no change in the Risk Grade in respect of a new account, the Risk Grade Enquiry will contain no details. In such a case, the system will throw an error message No Records Found.

In the above example, i. This account has slipped to substandard status (04) on 30/06/2006

due to arrear condition number 103 (Please refer to Chapter 2 for descriptions of various Arrear Conditions). The condition number 103 refers to non-payment of instalments for over 30 days while the account was in Risk Grade 2, which is Standard but irregular for over 60 days.

ii. Thereafter, the account has moved to Risk Grades 05, 06 and 07 with arrear conditions 151, 152 and 153 respectively. These arrear conditions refer to common conditions explained in Chapter 2.

iii. On 01/04/2007, at branch number 4337, user 604 has manually upgraded the status of the account from D3 to Sub-standard (04). Please note that no arrear condition appears against this change.

If there is a system-triggered change, the arrear condition number will appear. However, for manual changes, the user id

and the branch code are captured and no arrear condition number appears.



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SCR No.32512 (Return Screen) NPA Status Enquiry

The above screen shows, apart from the Account Number and the Customer Name, the following additional details

1. The overdue amount in the account (Column Arrears). If this amount is recovered from the borrower and credited to the Loan account, then the account can be classified as Standard Asset.

2. The number of days for which the account is overdue (Column No. of days in arrears)

3. Number of days without payment of interest (Column Number of days without paying interest).

NPA Status Enquiry



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4. For tracking of Age of Stock Statement (Column Number of days without Stock Statement)

5. The New IRAC Status, its description and the number of days in this status (Columns Risk Grade, Risk Grade Description and No. of days in current risk grade)

6. The reduction in security value expressed in % terms (Column Erosion in Security)

7. The CRA of the account is shown under the column Credit Rating.

Documents

NPA BOOKLET #2