Dear Adda Team, we are very much thankful for all of your efforts. I could able to clear all papers of CAIIB except BFM. Praveen sir videos are highly efficient and exam oriented. But it's in Hindi Medium. I could not able to understand. Also, I could see, more videos are in Hindi. Very less number in English medium. Kindly post the same videos in English , so that many CAIIB aspirants who does not Hindi also can learn. PRAVEEN SIR.... please do in English medium also
Substandard asset ke case mai - we will check the collateral if it is more than 10 % of amount then we can do 15. % prov on entire amount and if less then do 25% provision on entire amount.
Yes, this is correct, substandard assets have a general provision of 15% by default and if the exposure is unsecured then it attracts an additional 10% i.e. it will be 25% on the whole exposure. And not separately for secured and unsecured... This is as per MacMillan
@@mohdshariq7555 in doubtful it will be done separately for secured and unsecured and if ECGC coverage is given then that will be considered too. Bus just remember in substandard provisioning is not done separately an asset is either secured or unsecured. (Even if there is ECGC cover in substandard loan- it will be ignored) so simply in substandard provision will be either 15%(secured) OR 25%(unsecured).
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Dear Adda Team, we are very much thankful for all of your efforts. I could able to clear all papers of CAIIB except BFM. Praveen sir videos are highly efficient and exam oriented. But it's in Hindi Medium. I could not able to understand. Also, I could see, more videos are in Hindi. Very less number in English medium. Kindly post the same videos in English , so that many CAIIB aspirants who does not Hindi also can learn. PRAVEEN SIR.... please do in English medium also
Substandard asset ke case mai - we will check the collateral if it is more than 10 % of amount then we can do 15. % prov on entire amount and if less then do 25% provision on entire amount.
Yes, this is correct, substandard assets have a general provision of 15% by default and if the exposure is unsecured then it attracts an additional 10% i.e. it will be 25% on the whole exposure.
And not separately for secured and unsecured...
This is as per MacMillan
@@Priyanka.ShandilD we need to calculate same way for doubtful as well? But in doubtful we have different categories for secured and unsecured?
@@mohdshariq7555 in doubtful it will be done separately for secured and unsecured and if ECGC coverage is given then that will be considered too.
Bus just remember in substandard provisioning is not done separately an asset is either secured or unsecured. (Even if there is ECGC cover in substandard loan- it will be ignored) so simply in substandard provision will be either 15%(secured) OR 25%(unsecured).
@@Priyanka.Shandil ok got it.Thanks a lot for clearing doubt
@@Priyanka.Shandil ok got it.Thanks a lot for clearing doubt
Sir, kindly upload PDF of this module
Is there a need to seperate substandard asset into secured and unsecured for calculating provision?
Nim 1.20
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kindly provide pdf
Sir Z value:
99 % confidence 2.33
95% confidence 1.65
90% confidence 1.28
Is correct sir ? please respond.