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Slippage and provision coverage
Track new bad loans and how well they are provided for, each quarter.
Finance & unit economicsBanking & financial services
How it's worked out
- Slippage = new NPAs ÷ standard advances at start. Gross NPA end = start + slippage − recoveries − write-offs. PCR = provisions ÷ gross NPA
- One quarter
NotePCR here excludes technical write-offs. RBI earlier asked banks to hold PCR of 70% including them; check your current reporting basis.
Source: RBI prudential norms on income recognition and asset classification
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