Loan Recovery Superheroes: Your Guide to NPL Takedowns (Nepal Edition!)
Автор: learnwithbrshakya
Загружено: 2025-06-14
Просмотров: 637
Welcome to @learnwithbrshakya! In this crucial video for all bankers, we transform the daunting challenge of Non-Performing Loans (NPLs) into an opportunity for mastery. Get ready to become a 'Loan Recovery Superhero' with practical, NRB-aligned strategies tailor-made for the Nepalese banking landscape!
What You'll Learn in This Video:
Understanding NRB's Foundation: We break down why Nepal Rastra Bank (NRB) prioritizes loan recovery, explaining key directives on loan classification (Pass, Watchlist, Substandard, Doubtful, Loss), the implications of interconnected borrowings, and how to avoid 'evergreening' of loans.
Proactive Prevention: Discover best practices to stop loans from going bad in the first place, including rigorous credit appraisal, thorough Environmental & Social Risk Management (as per NRB guidelines), robust loan documentation, setting up early warning systems, and the power of relationship building.
Effective Reactive Measures: When a loan does turn non-performing, learn the most effective steps: prompt communication, empathetic borrower understanding, strategic loan restructuring & rescheduling, meticulous collateral management & valuation, and smart legal recourse (Debt Recovery of Bank and Financial Institutions Act 2001, Insolvency Act 2006).
Real-Life Nepalese Examples & Data: We share anonymized case studies from the Nepali banking sector and discuss current NPL trends. As of mid-July 2024, Nepalese commercial banks reduced their average NPL ratio to 3.76% – understand what this means for you!
The Banker's Mindset: Beyond procedures, cultivate the persistence, professionalism, and continuous learning required for successful recovery.
This video is packed with actionable tips and insights that you can implement in your daily banking operations. Don't let NPAs hold you back – empower yourself with the knowledge to make a difference!
Timestamp Chapters:
0:00 Intro - The Banker's Nightmare & Promise
0:44 Understanding the Landscape: NRB's Stance on Loan Recovery
2:28 Proactive Measures: Preventing Loans from Going Bad
5:08 Reactive Measures: When Loans Do Go Bad
8:09 Real-Life Case Study (Nepalese Context) & Data
9:36 The Banker's Mindset: More Than Just Numbers
Helpful Resources:
Nepal Rastra Bank Official Website: www.nrb.org.np
Unified Directives of Nepal Rastra Bank: https://www.nrb.org.np/contents/uploa...
Connect with Learn With B R Shakya:
Subscribe to our channel: / @learnwithbrshakya
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Connect on LinkedIn: / brshakya
Binaya Ratna Shakya is a Professional Banker with experience of more than 15years in Credit Management, Risk Management, Branch Management and Liability Management in Commercial and Development Bank. He has completed Advance Credit Skill Training and Post Graduate Diploma in Credit Management. He is currently working as Head of Marketing in leading development Bank of Nepal.
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