NPA Management for Uganda Territory

Once the Loan Accounts become NPA, at which of the following stages you may proceed for the compromise proposal with the Borrowers?

• Before Selling the Property

• After Selling the Property

• After Getting the decree from Court

• Any time among all the above options

If in any loan account, the Principal and / or interest remain unpaid for 90 days or more but less than 180 days, then it will be classified into which of the following assets?

• Normal Risk (Pass)

• Watch (Special Mention)

• Sub-Standard

• Doubtful

If in any loan account, the Principal and / or interest remain unpaid for 180 days or more but less than one year i.e. 365 days, then it will be classified into which of the following assets?

• Sub-Standard

• Doubtful

• Loss

• Watch (Special Mention)

If in any Loan Account, the Principal and / or interest remain unpaid or where credit line is exceeded or expired, for one year i.e. 365 days or more, then it will be classified in which of the following assets?

• Normal Risk (Pass)

• Sub-standard

• Doubtful

• Loss

In case of a Compromise Proposal, the bank to calculate manually the interest for unapplied period in the loan account. Please state at what Rate of Interest (Simple) to be calculated by the Bank in case of UGX denominated facility?

• 7%

• 9%

• 11%

• 12%

One the Loan Account has been identified as LOSS Asset, within how many days the Bank to write-off from its Balance Sheet (Book)?

• 30 days

• 60 days

• 90 days

• 120 days

At what Rate of Interest, the Bank need to provide the General Provisioning in addition to the specific Provisioning on the total credit outstanding?

• 1.00%

• 5%

• 10%

• 20%

How much the minimum provision the bank needs to provide the Provision in case of the Loan Account is identified as Sub-Standard Asset?

• 10%

• 20%

• 50%

• 100%

As per Income Recognition Concept, In all NPA Accounts, the Income of the loan account is to be recognised based on which of the accounting policies?

• Accrual Basis

• Cash Basis

• Both Cash & Accrual Basis

• No such policy to be followed

The Total amount required to settle in the loan account as on date without compromise is called as....?

• Notional Dues

• Contractual Dues

• Book Dues

• Waiver