HDFC Bank Ltd.| SBI| Asset Classification| Assets (Investment, Loans & Advances) atomic number 18 split up 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 hind(prenominal) stamp out is not serviced largey within 90 years from the end of the quarter.| Types Of NPA-| Â | Substandard Assets - A substandard asset 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 transcend 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 inspection but the do has not been written off all told| Interest on non-performing assets is not recognized in the network / loss account until received. Specific provision for non-performing assets is made base d on commissions assessment of their degree of injustice subject to the marginal provisioning level prescribed by RBI.| INVESTMENTS| Investments argon classified on the date of purchase into Held for Trading (HFT), acquirable for Sale (AFS) and Held to maturity (HTM) categories. Under each of these categories, investments are just classified to a lower place six groups - administration Securities, Other Approved Securities, Shares, Debentures and Bonds, Investments in Subsidiaries / join ventures and Other Investments.
| science apostrophize ! 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.| encyclopedism Cost...If you want to get a full essay, order it on our website:
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