Calculating an NPL (non-performing loan) ratio seems to be a critical moment for any institution, financial one foremost. Non-perming we call once the payment term for the loan is not met. Therefore we focus on a date of the payment, as the main criteria to describe a loan to be non-performing.
Usually we stuck with following ideas:
a) is the non-perming a loan immediately even 1 second after midnight?
b) is a partial payment of the loan disqualifying it from being non-performing?
c) can an other non-cash income ne considered as a payment?
d) what is the normal ratio of NPL?
e) can we discover NPL befote they happen? meaning we can predict the failure of the payment and act in accordance with it?
f) is certain amount of NPL good or bad for our P&L? (in terms of fees and additional service like insurance)
g) can a NPL loan be a loan where the debtor is unable to pay due to the new conditions in economy (Indian case)?
i) does the NPL approach vary due to cultural or religion approach?
j) can be an NPL offset later, years after it occurred?
h) can a steady cash flow influence oir ability to control NPL?
i) can the financing institution receive offset of the NPL initially by giving loan by 3rd party? (credit card case....)
j) can NPL allow the government to effectively control the industry? (consolidation banks)
k) is the qualification of 90 or 180 non-performing portfolio the same over the world? (China & EU case)
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