NAHARLAGUN, OCT 14:

The National Bank for Agriculture and Rural Development (NABARD) organised a one-day workshop on credit appraisal and non-performing asset (NPA) management for officers and staff of Arunachal Pradesh Rural Bank (APRB) and Arunachal Pradesh State Cooperative Apex Bank (APSCAB) at the APSCAB Conference Hall in Naharlagun on Wednesday.

NABARD General Manager SV Ranga Rao, in his welcome address, highlighted the importance of sound credit assessment, effective loan monitoring and timely recovery measures in maintaining financial stability and ensuring the quality of banks’ loan portfolios.

APSCAB Managing Director Bittu Kri, delivering the keynote address, emphasised systematic borrower assessment, careful evaluation of credit proposals and prudent lending practices to minimise risks and improve loan performance.

The workshop featured technical sessions by resource persons from NABARD, the Reserve Bank of India (RBI) and the State Bank of India (SBI). NABARD Deputy General Manager Vivek Anand spoke on credit appraisal, recovery, supervision, monitoring, review and reporting.

RBI Manager Soumyadip Chatterjee explained prudential accounting norms, including income recognition, asset classification, provisioning and the Capital to Risk-Weighted Assets Ratio (CRAR). SBI Manager Gautam Chintey addressed NPA recovery and management, focusing on early identification of stressed assets and effective recovery measures.

The sessions aimed to strengthen participants’ practical understanding of credit management, regulatory compliance, loan monitoring and NPA resolution, with emphasis on sound lending practices and timely corrective action to improve asset quality in rural and cooperative banks.