ITANAGAR, Oct 14: The National Bank for Agriculture and Rural Development (NABARD) organised a one-day workshop on Credit Appraisal and NPA Management for the officers and staff of Arunachal Pradesh Rural Bank (APRB) and Arunachal Pradesh State Cooperative Apex Bank (APSCAB) at the APSCAB conference hall, Naharlagun today.
The workshop aimed to strengthen participants’ practical understanding of credit management, regulatory compliance, loan monitoring, asset classification and NPA resolution. The sessions emphasised the importance of sound lending practices, effective supervision and timely corrective action in maintaining asset quality and strengthening the financial performance of rural and cooperative banks.
S V Ranga Rao, General Manager NABARD, in his welcome address, highlighted the importance of the workshop in strengthening credit appraisal and Non-Performing Asset (NPA) management practices in Regional Rural Banks and Cooperative Banks. He emphasised the need for sound credit assessment, effective loan monitoring and timely recovery measures to maintain the financial health of banks and ensure the quality of their loan portfolios.
Bittu Kri, Managing Director APSCAB, delivered the keynote address on the importance of proper credit appraisal. He highlighted the need for systematic assessment of borrowers, careful evaluation of credit proposals and prudent lending practices to minimise credit risks and improve loan performance.
The workshop featured technical sessions delivered by resource persons from NABARD, the Reserve Bank of India (RBI) and the State Bank of India (SBI).
Vivek Anand, Deputy General Manager NABARD, covered credit appraisal, recovery, supervision, monitoring, review and reporting. Soumyadip Chatterjee, Manager RBI, addressed prudential norms of accounting, covering Income Recognition, Asset Classification, Provisioning and Capital to Risk-Weighted Assets Ratio (CRAR).
Gautam Chintey, Manager SBI, conducted the session on NPA recovery and management, focusing on the timely identification of stressed assets and effective recovery measures.
Taba Oya, General Manager APSCAB, also spoke.