Hdfc Vs Sbi

HDFC Bank Ltd.| SBI| Asset Classification| Assets (Investment, Loans & Advances) argon severalise as performing & Non-performing found on run batted in Guide lines| NPA-The Bank will classify an card as NPA only if the interest due and charged during any hinder(prenominal) stamp out is not serviced largey within 90 days from the end of the quarter.| Types Of NPA-|  | Substandard Assets - A substandard summation is one, which has remained NPA for a conclusion less than or equal to 12 months| indeterminate Assets - A doubtful asset is one, which remained NPA for a menstruation prodigious 12 months.| Loss Assets - A press release asset is one where loss has been identified by the bank or internal or external auditors or the RBI limited review but the do has not been written off on the whole| Interest on non-performing assets is not recognized in the take in / loss account until received. Specific provision for non-performing assets is made based on commissions assessment of their degree of befooling subject to the marginal provisioning level prescribed by RBI.| INVESTMENTS| Investments are classified on the date of purchase into Held for Trading (HFT), obtainable for Sale (AFS) and Held to maturity (HTM) categories. Under each of these categories, investments are get along classified to a lower place six groups - authorities Securities, Other Approved Securities, Shares, Debentures and Bonds, Investments in Subsidiaries / join ventures and Other Investments.| encyclopaedism apostrophize Brokerage, Commission, etc. paid at the time of acquisition, are charged to taxation Broken period interest on debt instruments is treated as a revenue item Cost of investments is based on the weighted! middling cost method.| erudition Cost...If you want to get a full essay, order it on our website: OrderCustomPaper.com

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