BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur.
For internal circulation only
14
CHAPTER 5
MENU NAVIGATION FOR NPA IN B@NCS24


The following menus, which are used for NPA functionality, are covered in this chapter

1. NPA status through Short Enquiry
2. NPA enquiry for finding Arrear Condition
3. Manual change of New IRAC Status
4. Manual change of Old IRAC Status


1. NPA STATUS THROUGH SHORT ENQUIRY


Using short enquiry user can find out the following information in respect of a Loan / CC
/OD account

New IRAC Status
a) Old IRAC Status
b) NPA Date
c) INCA and UIPY amounts

Menu Navigation for TL / DL accounts

L [ TL Accoonts & Services
Inqoiries
Short {Prompt SCR. No. 1oqoo)


The user has to input the Account Number and Select the option as 1.Normal Details
and Transmit. System will return SCR No. 32100. The details mentioned above are
shown in the screen shots available in the following page.








BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur.
For internal circulation only
15

SCR No. 10400 (Prompt Screen for Short Enquiry of TL / DL)
































User needs to select the option as Normal Details.

BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur.
For internal circulation only
16


SCR NO. 32100 : LOANS SHORT ENQUIRY : RETURN SCREEN
































The NPA date in respect of TL / DL accounts will be available under Long Enquiry
which is shown in the next page.


UIPY / INCA
AMOUNTS
New and Old IRAC
Status
BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur.
For internal circulation only
17

Screen No. 32101 : TL / DL Long Enquiry:

(Return Screen)

Screen Nuvigution:
L[TL Accoonts & Services
Inqoiries
Long {Prompt Screen No. 1oqqo)



The NPA Date in respect of TL/DL accounts is calculated based on the New IRAC Status
which is changed to Risk Grade 04. It is available in Long Enquiry.



BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur.
For internal circulation only
18



Menu Navigation for CC / OD accounts


eposit[CC[O Accoonts & Services
Inqoiries
Short {Prompt Screen No. ooqoo)


The user has to input the Account Number and Select the option as 2. Overdraft
Details and Transmit. System will return SCR No. 32032. The details mentioned above
are shown in the screen shots available in the following page








BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur.
For internal circulation only
19



2. NPA enquiry for finding Arrear Condition


This enquiry has two parts a) Risk Grade Enquiry and
b) NPA Status Enquiry.

The use of these two are furnished in a tabular form below -


Risk Grade Enquiry NPA Status Enquiry
Changes in New IRAC Status of a/c Amount of arrears
Date & Time of Change No. of days in arrears
Condition Number No. of days without renewal
Risk Grade & Description
No. of days in current risk grade
No. of days without Stock
Statement
Security Erosion


Menu Navigation for NPA Enquiry

Common Processing
Overdoe [ NPA
NPA Inqoiry {SCR No. 1og11 - Prompt Screen)

1. Risk Grude Inqoiry {SCR No. g11)
. NPA Stutos Inqoiry {SCR No. g1)


Please note that these enquiries are common for CC / OD and DL / TL accounts.

Relevant screen shots for the above enquiries are furnished in subsequent pages.
BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur.
For internal circulation only
20

SCR No. 10511 Prompt Screen for NPA Enquiry






























1. Enter Account Number
2. Select System as DEP for CC/OD accounts and LON for DL/TL accounts
3. Select Enquiry Option as Risk Grade History Enquiry (or) NPA Status
Enquiry as the case may be.






1. Enter Account
Number
2. Select appropriate
value for System
3.Select the
Enquiry Option
BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur.
For internal circulation only
21


SCR No. 32511 (Return Screen) Risk Grade History Details




























The user can get the following information from the above screen

1. The first column Bad Debt Ind denotes Risk Grade which is New IRAC
Status.
2. This column shows the changed status of the loan account.
3. The second column gives the description of the current Risk Grade.
4. Third and fourth columns show the Date and Time of the change.
5. Fifth and sixth columns show the User Id and the Branch Code in case of manual
update.
6. Seventh column shows the Arrear Condition Number, which triggered the change
in the IRAC status of the account. (Shown in Column No. 1)





Risk Grade Enquiry
103
BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur.
For internal circulation only
22

Other Points to be observed

Latest changes will appear in the top
If there is no change in the Risk Grade in respect of a new account, the
Risk Grade Enquiry will contain no details. In such a case, the system will
throw an error message No Records Found.
In the above example,
i. This account has slipped to substandard status (04) on 30/06/2006
due to arrear condition number 103 (Please refer to Chapter 2 for
descriptions of various Arrear Conditions). The condition number
103 refers to non-payment of instalments for over 30 days while
the account was in Risk Grade 2, which is Standard but irregular
for over 60 days.
ii. Thereafter, the account has moved to Risk Grades 05, 06 and 07
with arrear conditions 151, 152 and 153 respectively. These arrear
conditions refer to common conditions explained in Chapter 2.
iii. On 01/04/2007, at branch number 4337, user 604 has manually
upgraded the status of the account from D3 to Sub-standard (04).
Please note that no arrear condition appears against this change.

If there is a system-triggered change, the arrear condition
number will appear. However, for manual changes, the user id
and the branch code are captured and no arrear condition
number appears.

BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur.
For internal circulation only
23
SCR No.32512 (Return Screen) NPA Status Enquiry




























The above screen shows, apart from the Account Number and the Customer Name,
the following additional details

1. The overdue amount in the account (Column Arrears). If this amount is
recovered from the borrower and credited to the Loan account, then the
account can be classified as Standard Asset.
2. The number of days for which the account is overdue (Column No. of days
in arrears)
3. Number of days without payment of interest (Column Number of days
without paying interest).


NPA Status Enquiry
BOOKLET ON NPA FUNCTIONALITY IN B@NCS24

State Bank of India, Core Banking Project, Corporate Centre, CBD Belapur.
For internal circulation only
24


4. For tracking of Age of Stock Statement (Column Number of days without
Stock Statement)
5. The New IRAC Status, its description and the number of days in this status
(Columns Risk Grade, Risk Grade Description and No. of days in current
risk grade)
6. The reduction in security value expressed in % terms (Column Erosion in
Security)
7. The CRA of the account is shown under the column Credit Rating.