A Study of Non Performing Assets Management with Reference to Select Indian Public Sector Banks and Private Sector Banks

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Publisher :
ISBN 13 :
Total Pages : 15 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis A Study of Non Performing Assets Management with Reference to Select Indian Public Sector Banks and Private Sector Banks by : Dr Preeti Sharma

Download or read book A Study of Non Performing Assets Management with Reference to Select Indian Public Sector Banks and Private Sector Banks written by Dr Preeti Sharma and published by . This book was released on 2017 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: The asset quality of banks is one of the most important indicators of their financial health. It also reflects the effectiveness of banks' credit risk management and the recovery environment. It is important that the signs of distress in all stressed accounts are detected early and those which are viable are also extended restructuring facilities expeditiously to preserve their economic value. (RBI/2012-13/208). The Indian banking sector has been facing severe problems of raising Non- Performing Assets (NPAs). The NPAs growth directly affects the profitability of banks. The problem of NPAs is not only affecting the banks but is affecting the economy as a whole. In fact high level of NPAs in Indian banks is nothing but a reflection of industry and trade. NPA do not generate any income, whereas, the bank is required to make provisions for such as assets. (Olekar and Talawar, 2012). NPAs do not just reflect badly in a bank"s account books, they adversely impact the working of economy. There are many research conducted on the topic of Non- Performing Assets (NPA) Management, concerning particular bank, comparative study of public and private banks etc. In this paper the researcher is considering the aggregate data of select public sector and private sector banks and attempts to compare analyze and interpret the NPA management from the year 2010 -2015. On the conceptual side, it gives an overview of NPA, various types of NPA and its cause. The tools used in the study are Least square method and ANOVA. The findings reveals the percentage of Gross NPA to Gross advances is increasing for public banks, the Estimated Gross NPA for 2014-15 is also more in public banks as compared to private banks and from the ANOVA test, it is concluded Ratio of Gross NPA to Gross Advances for public sector and private Sector Banks does not have significant difference between 2010 to 2015.

Management of Non-performing Advances

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Publisher : Northern Book Centre
ISBN 13 : 9788172111823
Total Pages : 220 pages
Book Rating : 4.1/5 (118 download)

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Book Synopsis Management of Non-performing Advances by : T. V. Gopalakrishnan

Download or read book Management of Non-performing Advances written by T. V. Gopalakrishnan and published by Northern Book Centre. This book was released on 2004 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book deals with the problem of Non-Performing Advances (NPAs) in public sector banks and its impact on the banks' books, banking and financial system of the economy. Recognizing the inevitable and festering nature of the problem, the author has come out, inter alia, with a statistical model as an innovative, simple and practical solution to contain NPA formation to ensure a strong balance sheet for banks and improved image of the borrowers. The author claims that the solution will prove to be a win-win situation for all stakeholders of banks including the economy, and its constituents Government, shareholders, depositors, borrowers, employees and others. Salient Features Changes brought about in banks under Banking Sector Reforms. • Emergence of NPAs in banks. • Problem of NPAs: Its causes and effects. • Performance of Public sector banks on management of NPAs. • Impact of NPAs on the economy, banks’ balance sheets and profit and loss accounts. • Suggestions to contain NPAs from the angles of banks, borrowers, Government, Regulator and others. • A Statistical Model developed to contain formation of NPAs, strengthen banks' balance sheets and develop an emotional rapport between banks and borrowers.

“Managing Non Performing Assets by Public Sector Banks”

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Publisher : Lulu.com
ISBN 13 : 1365904814
Total Pages : 82 pages
Book Rating : 4.3/5 (659 download)

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Book Synopsis “Managing Non Performing Assets by Public Sector Banks” by : Dr R. K. Sant

Download or read book “Managing Non Performing Assets by Public Sector Banks” written by Dr R. K. Sant and published by Lulu.com. This book was released on 2017-04-22 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Managing NPAs (Non-Performing Assets) is one of the most important and difficult areas for Indian banking industry. Reduction of level of NPAs is the most Challenging task for banks because it reduces the profitability and operations. Due to increasing levels of NPAs in banks, they are required to maintain high levels of provisions for NPAs, which creates problems in, future leading operation of banks.

Management of Non-Performing Assets in the Indian Public Sector Banks

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Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783843370394
Total Pages : 188 pages
Book Rating : 4.3/5 (73 download)

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Book Synopsis Management of Non-Performing Assets in the Indian Public Sector Banks by : Goutam Bhowmik

Download or read book Management of Non-Performing Assets in the Indian Public Sector Banks written by Goutam Bhowmik and published by LAP Lambert Academic Publishing. This book was released on 2010-11 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: The occurrence of NPAs has been the single most vexing problem faced by the Indian Public Sector Banks (PSBs). In view of several adverse effects of NPAs both on banking and overall economy, the management of NPAs has become a crucial issue.Efforts of RBI & Govt.of India, however, seems to be inadequate. The present work, therefore, examined a number of relevant issues w.r.t management of NPAs in the PSBs with special reference to largest commercial bank, State Bank of India (SBI). Apart from discussing the means and strategies of managing NPAs in PSBs & SBI, the work provided a theoretical framework relating to NPAs and history of PSBs.It also covered areas like, NPA management framework in pre-reform period, NPAs in the priority sector and non priority sector lending, accounting and disclosure of NPAs, reduction of NPAs in Private Sector Banks and PSBs, etc. The work should help to provide an in-depth knowledge about the meaning, nature, causes, problems, progress and implication of one of the vexing problems of banking sector. The work would be useful to the academicians and professionals or anyone who have keen interest in the field of accounting, finance, banking and management

Managing Non-Performing Assets in Indian Public Sector Banks

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Publisher : Exceller Books
ISBN 13 :
Total Pages : 189 pages
Book Rating : 4./5 ( download)

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Book Synopsis Managing Non-Performing Assets in Indian Public Sector Banks by : Sk Mujibar Rahaman

Download or read book Managing Non-Performing Assets in Indian Public Sector Banks written by Sk Mujibar Rahaman and published by Exceller Books. This book was released on 2022-09-30 with total page 189 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book provides a comprehensive coverage of a burning issue faced by the banking industry in India, namely, the problem of Non-Performing Assets (NPAs). The book elucidates the theoretical exposition of NPAs in the first instance. It also demystifies the trends in movement of NPAs and thereby expounds efficiency in NPA management by Public Sector Banks, PSBs, in India. Recognising the inevitable and festering nature of the problem, the author has come out, inter alia, with a data-driven approach to measure financial performance and thereby assessed impact of the problem on different performance areas of banks. The book also investigates the major factors causing the problem of NPAs of the Indian PSBs. Finally, the author provides certain recommendations for the banks and the government that can help manage NPAs and strengthen the banking industry in the country.

Management of Non Performing Advances a Study with Reference to Public Sector Banks

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Publisher : Infotech
ISBN 13 : 9784320242456
Total Pages : 0 pages
Book Rating : 4.2/5 (424 download)

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Book Synopsis Management of Non Performing Advances a Study with Reference to Public Sector Banks by : Gopalakrishnan

Download or read book Management of Non Performing Advances a Study with Reference to Public Sector Banks written by Gopalakrishnan and published by Infotech. This book was released on 2023-02-06 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This describes Indian banking well. Competition, mergers, IT, new products, markets, and rules change banking. Changes in interest rates, currency rates, commodity prices, lenders, borrowers, and government self-interest necessitate financial innovation to handle current and emerging challenges. Our financial sector, which underpins the economy, has struggled to adapt to developments. One explanation for this is banks' NPAs. A bank loan or advance is "non-performing" after 180 days of late interest or principal payments. Advances that don't generate revenue and won't be repaid impair banks' ability to act as middlemen, one of their main functions (mobilising savings and providing finance for investments). A strong economy requires a healthy banking system.

MANAGEMENT OF NON PERFORMING ASSETS IN PRIORITY SECTOR ADVANCES OF PUBLIC SECTOR BANKS IN KARNATAKA

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Publisher : Lulu.com
ISBN 13 : 1304235238
Total Pages : 89 pages
Book Rating : 4.3/5 (42 download)

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Book Synopsis MANAGEMENT OF NON PERFORMING ASSETS IN PRIORITY SECTOR ADVANCES OF PUBLIC SECTOR BANKS IN KARNATAKA by : Suresh B

Download or read book MANAGEMENT OF NON PERFORMING ASSETS IN PRIORITY SECTOR ADVANCES OF PUBLIC SECTOR BANKS IN KARNATAKA written by Suresh B and published by Lulu.com. This book was released on 2013-07-16 with total page 89 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study is mainly confined to Mandya District in the state of Karnataka. The main focuses of the study is on the problem of NPAs in Canara Bank only and also see how the effective measures has enabled the banks to raise their profitability. The study also focused on growth and performance of Canara Bank in Mandya District.

Public Sector Banks in India

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Publisher : Gyan Publishing House
ISBN 13 : 9788178354095
Total Pages : 332 pages
Book Rating : 4.3/5 (54 download)

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Book Synopsis Public Sector Banks in India by : R. K. Raul

Download or read book Public Sector Banks in India written by R. K. Raul and published by Gyan Publishing House. This book was released on 2005 with total page 332 pages. Available in PDF, EPUB and Kindle. Book excerpt: The present book examines the impact of Financial Reforms on the working of banking sector in general and Public Sector Banks in particular. In addition to assess multi-dimensional trend of banking sector, it examines the impact of Deregulation Policies on the Management of bank s resources. The book identifies many critical issues like determinants of Non-performing Assets, Profitability productivity of banks, mismatch of assets and liabilities and services rendered by banks particularly in the backward regions. The treatise embodies in it inter-intra banks and inter-intra regional, districts level variations. To encounter the objectives, appropriate hypothesis have been framed, statistical and financial techniques have been used to testify, the nature and problems of Public Sector vis-à-vis Private Sector and foreign banks. This book runs into ten chapters encompassing into different aspects of bank s performances with critical assessment in the context of reform package. The book will meet the growing interest of students, researchers, scholars, policymakers and general readers. It may be used as textbook for B.Com, B.B.A., M.B.A.; M.F.M. and M.A. (Eco.), M.Sc. (Eco.) courses.

Innovative Management Practices—An Interdisciplinary Approach with special reference to the New Normal

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Publisher : Allied Publishers
ISBN 13 : 9390951089
Total Pages : 286 pages
Book Rating : 4.3/5 (99 download)

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Book Synopsis Innovative Management Practices—An Interdisciplinary Approach with special reference to the New Normal by : Prof. Gholam Syedain Khan

Download or read book Innovative Management Practices—An Interdisciplinary Approach with special reference to the New Normal written by Prof. Gholam Syedain Khan and published by Allied Publishers. This book was released on 2021-12-13 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: ‘Innovative Management Practices—An Interdisciplinary Approach’ is a collection of innovative research work that improves understanding and collaboration in business, management, and technology in Asia in the 21st century. This edited book is ideal for managers, executives, academicians, researchers, decision-makers, policymakers, industry practitioners and students. The edited volume highlights topics such as capital markets, financial management, marketing strategy, consumer behavior, leadership and change management, corporate culture, teamwork and technology innovation in business and e-commerce. This volume is also intended to serve as a breeding ground for future researchers addressing the new normal for business.

Management and Control of Non Performing Assets (NPA) in Indian Public Sector Banks

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Publisher :
ISBN 13 :
Total Pages : 12 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Management and Control of Non Performing Assets (NPA) in Indian Public Sector Banks by : Dr. S K. Misra

Download or read book Management and Control of Non Performing Assets (NPA) in Indian Public Sector Banks written by Dr. S K. Misra and published by . This book was released on 2016 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: India's legal system has traditionally been friendly towards borrowers and famously inefficient and slow in the recovery of loans and interest. As a result, once a bank provides a loan or advance to a borrower, it has very little bargaining power in terms of calling the loan back or getting its hands on assets that formally securitize that particular loan or advance. In India, the whole banking sector and particularly the public sector banks till recently suffered from considerable amount of non-performing assets (NPAs). The paper studies the effectiveness of Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002 in controlling and solving the problem of non-performing assets of public sector banks. The study found that NPAs in public sector banks have been declining continuously from Rs. 56,156.43 crores (10.67% of Gross Advances) in 2001-2002 to Rs. 55,171.48 crores (2.31% of Gross Advances) in 2009-2010 since the implementation of the Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act. There is a decline of 80.10% in non performing assets in public sector banks as a whole during the period of study. The study revealed that the enactment of SARFAESI Act was highly successful and effective in reducing and controlling the amount of non- performing assets of public sector banks. The study also recommends Indian public sector banks should continue to remain focused in their recovery efforts of non-performing assets, in order to maintain the positive and effective trend of improving the quality of their assets.

Modeling the NPA of a Large Indian Public Sector Bank as a Function of Total Assets

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Publisher : GRIN Verlag
ISBN 13 : 365608310X
Total Pages : 41 pages
Book Rating : 4.6/5 (56 download)

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Book Synopsis Modeling the NPA of a Large Indian Public Sector Bank as a Function of Total Assets by : Rajveer Rawlin

Download or read book Modeling the NPA of a Large Indian Public Sector Bank as a Function of Total Assets written by Rajveer Rawlin and published by GRIN Verlag. This book was released on 2011-12 with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt: Scientific Study from the year 2011 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1, Dayananda Sagar College of Engineering (Department of Management Studies), course: Non Performing Assets, Banking, language: English, abstract: Non-performing assets (NPA) are the loans given by a bank or a financial institution where in the borrower defaults or delays interest and / principal payment. The management of NPAs therefore, is a very important part of credit management of banks and financial institutions in the Country. Currently NPA estimates in India are predominantly obtained from figures published by the Reserve Bank of India (RBI). However it would be helpful for banks and financial institutions to have an estimate of the NPA as soon as loan amounts are disbursed. This study attempted to develop a predictive model for the NPA% at both the gross and net level from the total assets of one of India's largest public banks. A strong correlation was observed between gross and net NPA% and the total assets suggesting that estimates of gross and net NPA can be made from total assets. Linear and non linear models were fit to predict the NPA% from the total assets. A non linear model linking both Gross and net NPA to total assets provided the best curve fit and the least deviation from actual values. Thus by simply looking at the banks total assets an overall picture of the banks NPA level can be ascertained.

Non-performing Assets Management of Indian Public Sector Banks

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Publisher :
ISBN 13 : 9788183423700
Total Pages : 165 pages
Book Rating : 4.4/5 (237 download)

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Book Synopsis Non-performing Assets Management of Indian Public Sector Banks by : C. Thirupalu

Download or read book Non-performing Assets Management of Indian Public Sector Banks written by C. Thirupalu and published by . This book was released on 2016 with total page 165 pages. Available in PDF, EPUB and Kindle. Book excerpt: Study conducted in Anantapur District of Andhra Pradesh, India.

Breaking the Chains

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Publisher : Elio Endless Publishers
ISBN 13 : 9784760648429
Total Pages : 0 pages
Book Rating : 4.6/5 (484 download)

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Book Synopsis Breaking the Chains by : Elio E

Download or read book Breaking the Chains written by Elio E and published by Elio Endless Publishers. This book was released on 2023-07 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Introducing "Breaking the Chains: Comparative Study of NPA Challenges in Indian Public Sector Banks" As a book distributor, I understand the significance of every page that graces my hands. And in this moment, I assure you, without further ado, that this is a journey worth undertaking. "Breaking the Chains" unveils a captivating exploration-a comparative study that unravels the challenges of non-performing assets (NPA) in Indian public sector banks. The world of banking, where financial currents ebb and flow, holds the key to a nation's economic and social development. It is within these sacred halls that financial assistance breathes life into sectors like agriculture, trade, industry, education, and health. In the vibrant tapestry of India, the banking sector assumes a vital role, weaving itself intricately into the implementation of five-year plans, showcasing its unwavering importance. As the echoes of history reverberate through the pages, we trace the origin and growth of banking in India-a tale as old as time itself. From the depths of Vedic times, where farming, trade, harvesting, and money lending formed the bedrock of society, to the emergence of private banks, their structures initially unorganized. However, wars and recessions cast their shadow, leading to the closure of many private banks, leaving a lasting impact on the course of the Indian banking sector. Within these compelling narratives, we witness the pivotal role that Indian public sector banks play in fostering the economic and social development of the nation. In the Ernest Hemingway style, each word carries weight, each sentence strikes a chord. The author's narrative expertly weaves together the intricate threads of comparative analysis, shedding light on the challenges posed by non-performing assets. With each turn of the page, "Breaking the Chains" invites readers to delve deep into the complex world of banking, where the resilience of institutions intersects with the aspirations of a nation. It is a journey that uncovers the struggles and triumphs, the complexities and possibilities, that define the path toward a robust and thriving financial system. Join us on this enlightening expedition, where knowledge illuminates and understanding paves the way for progress. "Breaking the Chains" serves as a reminder that even amidst challenges, the resilience of the Indian banking sector remains steadfast-an enduring force in shaping the nation's destiny. Let these pages be a testament to the power of informed decision-making and a catalyst for the continued growth and prosperity of India's financial landscape.

A Comparative and Analytical Study on Non-Performing Assets of Bank of Baroda and Axis Bank

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Publisher :
ISBN 13 :
Total Pages : 8 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis A Comparative and Analytical Study on Non-Performing Assets of Bank of Baroda and Axis Bank by : Nayan M. Gadhia

Download or read book A Comparative and Analytical Study on Non-Performing Assets of Bank of Baroda and Axis Bank written by Nayan M. Gadhia and published by . This book was released on 2018 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banks have the major role of accepting long term & short term deposit and lending money (Advances) to the borrowers. Bank advance means the advances of a specified amount of money to a business entity or an individual by a commercial bank. Advances plays a very important role in thebanking sector. On one hand, it's generated interest income, which is the major sources of income for banks in the context of profit. On the other hand, if it's got converted in to non-performing assets, then not only profit & loss but balance sheet also gets affected. The present study is more relevant in the current environment, as the Indian banking sector is facing a big problem of higher Nonperforming assets. The level of the NPA is comparatively higher in public sector banks than in private sector banks. To improve the productivity and profitability of the banking sector, the NPA need to be reduced and controlled with a particular focus. Additional preventive measures should be taken to control it. This study focus on GROSS-NPA, NET-NPA, NET-PROFIT, & TOTAL ADVANCE of a public sector bank (BANK OF BARODA) and a private sector bank (AXIS BANK). In this study, NET NPAs and NET PROFIT of the two banks are taken to measure correlation, and all GROSS NPA, NET NPAs and TOTAL ADVANCE are taken for tabular representation.

Non-Performing Assets in Public Sector Commercial Banks - A Retrospect

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Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Non-Performing Assets in Public Sector Commercial Banks - A Retrospect by : Venkataramanaiah Malepati

Download or read book Non-Performing Assets in Public Sector Commercial Banks - A Retrospect written by Venkataramanaiah Malepati and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The present study emphasizes on the management of nonperforming assets in public sector commercial banks in India by covering asset classification norms, identification of non-performing assets, provisioning against advances etc. Public sector commercial banks provide finance to needy covering various sectors including priority, no-priority and public sectors. In this junction, the study is intended to trace the movements and recovery of non-performing assets in public sector commercial banks during 2006-2011 with the backdrop of financial crisis happened during 2008.

Bank Asset Quality in Emerging Markets

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Publisher : International Monetary Fund
ISBN 13 : 1475592302
Total Pages : 27 pages
Book Rating : 4.4/5 (755 download)

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Book Synopsis Bank Asset Quality in Emerging Markets by : Mr.Reinout De Bock

Download or read book Bank Asset Quality in Emerging Markets written by Mr.Reinout De Bock and published by International Monetary Fund. This book was released on 2012-03-01 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper assesses the vulnerability of emerging markets and their banks to aggregate shocks. We find significant links between banks' asset quality, credit and macroeconomic aggregates. Lower economic growth, an exchange rate depreciation, weaker terms of trade and a fall in debt-creating capital inflows reduce credit growth while loan quality deteriorates. Particularly noteworthy is the sharp deterioration of balance sheets following a reversal of portfolio inflows. We also find evidence of feedback effects from the financial sector on the wider economy. GDP growth falls after shocks that drive non-performing loans higher or generate a contraction in credit. This analysis was used in chapter 1 of the Global Financial Stability Report (September 2011) to help evaluate the sensitivity of banks' capital adequacy ratios to macroeconomic and funding cost shocks.

Managing Non-Performing Assets in Banks

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Publisher :
ISBN 13 : 9788170944911
Total Pages : 0 pages
Book Rating : 4.9/5 (449 download)

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Book Synopsis Managing Non-Performing Assets in Banks by : S.N Bidani

Download or read book Managing Non-Performing Assets in Banks written by S.N Bidani and published by . This book was released on 2005-03 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: