Formulae: Net NPA, Coverage Ratio & Slippage Ratio

Gross NPA - (Balance in Interest Suspense account + DICGC/ECGC claims received and held pending adjustment + Part payment received and kept in suspense account + Total provisions held).

Coverage Ratio
Equity minus net NPA divided by total assets minus intangible assets.

Slippage Ratio
(Fresh accretion of NPAs during the year/Total standard assets at the beginning of the year)*100

(Source: RBI)

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