Credit Risk and IRAC norms || PNB Credit and UBI Credit 2023-24

As a credit officer, it is important to not only give good credit but also ensure that the credit risk remains low and the account does not become a Non-performing asset (NPA). What is an NPA as per RBI's prudential norms for income recognition and asset classification (IRAC)? What are the different asset categories? What provisions are made for each of these asset classes? and what is the new expected credit loss (ECL) framework that the RBI is reviewing? watch this insightful video by Prachi Ma'am to understand all of these concepts in a simple manner.

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