Doubtful or Loss Asset and Security-Cover Provisioning

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Doubtful or Loss Asset and Security-Cover Provisioning - Article

This article explains provisioning calculations for Doubtful and Loss Assets under RBI IRAC norms. It focuses on splitting an exposure into secured and unsecured portions, applying 25%, 40% or 100% provisioning according to Doubtful ageing, providing fully for Loss Assets, valuing security realistically, and handling ECGC or credit-guarantee cover in CAIIB numerical questions.

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