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Thursday, December 1, 2011

Paper on NPA recovery Model | Strategies for Recovery

NPA Trigger Points and Recovery Grid

Abstract
The world economies were caught off guard at the shaping of USA mortgage and sub-prime crisis. Be it retail or corporate, all types of accounts were generating non-performing assets (NPA). In this paper, we have categorized different reasons that led to this turmoil by conducting a research on diverse live cases. With an aim to standardize the NPA recovery we have distinguished and differentiated the cases and proposed a grid which could be followed as a strategic tool by the lending institutions. Our analysis has been focused on corporate bad debts; however the solution and strategy developed is applicable for all forms of recovery.
This research and the findings, to our belief, will be very useful for lending institutions to adopt specific protocols for recovery of the NPAs in their books.

Keywords: NPA in banks, NPA collection, NPA recovery, Bad debts, NPA trigger points, Recovery grids, NPA strategy, NPL collection, NPA Grid, Recovery.


Contents
Abstract 1
1. Introduction 3
2. Literature Review 4
3. Case Research 5
1. Proprietary Company / Promoter Group 5
2. Personal Equity 6
3. Profit Margin/ Turnover 7
4. Business Grid 8
5. Industry of the clients 9
4. Discussion 10
5. NPA Recovery Grid 11
Collaboration: 12
Two Face Attack: 14
Silence: 15
Dead: 16
6. Conclusion… 18
7. References 18
8. Annexures 19

Authors - Manish Gadia, Anup Ray
If you need the paper kindly write to - manish.gadia@gmail.com

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