[ppenguin]

I work in a bank. risk management and stuff

Doesnt sound bad, risk management as in regulate fraud and things of that nature?

for non-performing assets we have the guidelines from national regulator (reserve bank of india).
but the bank does its own risk analysis based on its exposure to market, credit risk based on regular appraisals etc. i just do analysis of these based on external and internal variables, so that the front office/ management can make decisions.