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One Day Training Credit Monitoring Potent Instrument of Tackling NPAs, 24 January 2019, New Delhi

About AIMA

All India Management Association (AlMA), as the national apex body of management profession in the country is committed to enhancing the competence of management profession through its multifaceted activities. AlMA has a broad base of 67 Local Management Associations including two cooperating LMAs abroad, with a membership of over 30,000. The association is represented on a number of policy making bodies of the Government of India and national associations including the AICTE; National Board of Accreditation; Association of Indian Management Schools, Hyderabad; National Productivity Council, New Delhi. In addition, AlMA brings to the Indian managers, the best management practices and techniques through numerous foreign collaborations with professional bodies and institutions.

Of late, the issue of mounting NPAs in banks and financial institutions has evoked considerable debate and discussion at all levels-banks, the industry, the government of India, the Reserve Bank of India, the Indian Bank’s Association (IBA) and even the print and electronic media. Systemwide GNPAs of banks rose to 11.2 % or at Rs 10.39 trillion in FY18 from 9.3 % a year ago, and the share of public sector banks stood at Rs 8.95 trillion, or at 14.6 %. In FY17, system-wide GNPAs stood at 9.3 % and that of state-run lenders stood at 11.7 %.

“ During FY18, the GNPA ratio reached 14.6 % for state - run banks due to restructured advances slipping into NPAs and better NPA recognition,” RBI said.

In terms of the net NPA ratio, state-run banks saw significant deterioration at 8% in FY18 from 6.9 % year-ago. Private sector peers banks’ GNPA ratio stood at a much lower level of 4.7 % as against 4.1 % in FY17.

The prompt corrective action (PCA) framework invoked by the RBI on twelve banks (11 public sector and 1 private sector) is intended, as Dr. Viral Acharya, stressed, “ to achieve – to intervene early and take corrective measures in a timely manner, so as to restore the financial health of banks that are at risk by limiting deterioration in their health and prese rving their capital levels ”.

Against this backdrop, the case for credit monitoring must be placed in a proper historical and comparative perspective for an objective assessment. Both theoretical underpinnings and crosscountry empirical evidences clearly reveal that risk is an integral element of banking and banking is all about risk-taking. But the issues of risk, asset quality, credit monitoring and NPA management have increasingly come into focus. There is, therefore, a compelling need for an accent on credit monitoring and effective follow-up across the development spectrum.

Keeping the most critical aspects of credit monitoring in India today, AIMA presents a one day training.


  • The Duration Ratio
  • Critical aspects of credit monitoring
  • Preventing fresh slippages
  • Developing a robust framework for risk
  • Loan monitoring model
  • Risk Management : Learning from the Global Crisis & its applicability for India


The objectives are to familiarise participants with the simple and easy to use Duration Ratio model; its customization to suit user needs; and setting ranges of the Duration Ratio for individual loans, and for the aggregates, to indicate situations ranging from mild concern to alarm.

Resources include combination of eminent banking practitioners, academicians, planners:

  • Dr. Manoranjan Sharma, GM & CLO, Staff Training College, Canara Bank
  • Dr. Rakesh Sah, Professor Montana State University Billings, USA
  • Mr Irfan Khan, Executive Director, JP Morgan Chase


Rs.6500/- per participant + 18% GST. 10% discount for AIMA Members and for 2 members or more from same organisation

Saumya Singh
Assistant Director
All India Management Association
15,Link Road, Lajpat Nagar III,New Delhi-110024
Tel: 011-47673010 (D), Cell: 9810475327
Email: saumya@aima.in    www.aima.in