OTS involves compromise settlement of non-performing loans (NPLs) between a bank and its borrowers as per the board-approved policy of the former. This settlement entails the lender/ creditor taking a hair-cut on the outstanding loan amount.
HOW IS OTS CALCULATED
The OPS can be calculated as follows: The net reach is the number of persons reached once. The gross reach is the number of persons reached regardless of the number of times the ad has been shown. The OTS value is obtained by dividing the gross reach by the net reach.