Survey to Identify Early Warning Indicators on a Loan status.
Banking regulators have provided guidelines for determining Non Performing Assets (NPA). Before a loan becomes NPA, there are indicators that may provide an early warning on its future status. Reserve Bank of India, European Central Bank and several other regulators have recommended indicators that may provide the future state of the loan. We are conducting this survey to identify an exhaustive list of indicators and their priorities to create a pattern recognition/machine learning model to predict potential NPAs. This data will be used for academic purpose only and results of this model will be shared with you all. Your profile will not be shared with anyone without your consent. It will take ~ 5 minutes to complete the survey. Please contact us at siddharth.bhatore@research.iiit.ac.in / slmohan@idrbt.ac.in for any questions.
Name
Email
example@example.com
Bank
Role/Designation (when you were/are in Bank)
*
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Categorized on Loan, Individual / Organization, Credit history, Bank and Country indicators.
Please assign priority to the parameters based on your experience.
Link to see definitions of the terms:
https://tinyurl.com/y7r5y7fd
Loan specific indicators
*
Very High
High
Medium
Low
Very Low
Not Applicable
Ratio of Due Amount to Loan Amount
Term of the Loan (in Months)
Purpose
Collateral
Loan-to-Value
Loan Interest to Repo
ECS/Standing Instruction for payment
EMI Amount
Pending Installments
Delinquency period
Request(s) to change scope of the loan
Reason to postpone inspection
Please suggest any other indicators with their priority
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Link to see definitions of the terms:
https://tinyurl.com/y7r5y7fd
Profile of an Individual that could indicate status of loan
*
Very High
High
Medium
Low
Very Low
Not Applicable
Annual Income/Loan Amount
Age
Gender
Occupation
Occupation Type
Marital Status
Education
Housing
Household members'
age and gender
Residence Location
Possess Citizen ID
Social Media Record
Free/Available Income
Increased cash withdrawals
Recent untoward incident in the immediate family/surroundings
Have Insurance or not
Please suggest any other indicators with their priority
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Link to see definitions of the terms:
https://tinyurl.com/y7r5y7fd
Organization profile for identifying indicators for corporate (includes MSME) loans
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Very High
High
Medium
Low
Very Low
Not Applicable
Annual Revenue/Loan Amount
Sector
Registration ID of the organization/company
Incorporation Date
Change in Revenue from Past Year
Profit for last 3 years
Loan Amount to Asset Value
Insured Amount to Asset Value
Earnings Per Share
Frequent invocation of BGs and devolvement of LCs
Rigor in Insurance
Resignation/Change of Key Personnel
Change in Receivables
Social Media Record
Any untoward incident in the organisation.
Please suggest any other indicators with their priority
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Link to see definitions of the terms:
https://tinyurl.com/y7r5y7fd
Credit history based on the past loans and the payments
*
Very High
High
Medium
Low
Very Low
Not Applicable
Credit history
Ratio - Cheque bounce history to Presented Cheques
Payment history
Credit line across accounts/Default loan amount
Number of default accounts/Overall open accounts
Last loan closure date
Please suggest any other indicators with their priority
Bank history of credit line and their performance in loans/assets
*
Very High
High
Medium
Low
Very Low
Not Applicable
Credit Culture
Size of the Bank
Cost efficiency ratio
NPA % in the sector
Please suggest any other indicators with their priority
Changes in country economic situations could also impact loan repayment
*
Very High
High
Medium
Low
Very Low
Not Applicable
GDP
Legal Will
Political Stability
Unemployment rate
Inflation rate
Please suggest any other indicators with their priority
Submit
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