Banks should deduct the following items
from the Gross Advances and Gross NPAs
to arrive at the Net advances and Net NPAs respectively:
- Balance in Interest Suspense Account
- DICGC/ECGC claims received and held, pending adjustment
- Part payment received and kept in suspense account
- Total provisions held (excluding amount of technical write off and provision on standard assets)
For
the purpose, the amount of gross advances should exclude
- the amount of Technical Write off but
- Include all outstanding loans and advances; including the advances for which refinance has been availed but excluding the amount of rediscounted bills.
The level of gross and net NPAs will be
arrived at in percentage terms by
dividing the amount of gross and net NPAs by gross and net advances, computed
as above, respectively.
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