Banking Industry And Non Performing Assets Npas

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Management of Non-performing Advances

Author : T. V. Gopalakrishnan
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. â€¢ Emergence of NPAs in banks. â€¢ Problem of NPAs: Its causes and effects. â€¢ Performance of Public sector banks on management of NPAs. â€¢ Impact of NPAs on the economy, banksâ€™ balance sheets and profit and loss accounts. â€¢ Suggestions to contain NPAs from the angles of banks, borrowers, Government, Regulator and others. â€¢ 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

Author : Dr R. K. Sant
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 Banking Sector

Author : Nalla Bala Kalyan
Publisher :
ISBN 13 : 9789975341110
Total Pages : 104 pages
Book Rating : 4.3/5 (411 download)

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Book Synopsis Management of Non-Performing Assets in Banking Sector by : Nalla Bala Kalyan

Download or read book Management of Non-Performing Assets in Banking Sector written by Nalla Bala Kalyan and published by . This book was released on 2020-03-03 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt: An asset of a bank (such as a loan given by the bank) turns into a Nonperforming asset (NPA) when it ceases to generate regular income such as interest etc for the bank. In other words, when a bank which lends a loan does not get back its principal and interest on time, the loan is said to have turned into an NPA. While NPAs are a natural fall-out of undertaking banking business and hence cannot be completely avoided, high levels of NPAs can severely erode the bank's profits, its capital and ultimately its ability to lend further funds to potential borrowers. Similarly, at the macro level, a high level of Nonperforming Assets means choking off credit to potential borrowers, thus lowering capital formation and economic activity. So the challenge is to keep the growth of NPAs under control. Clearly, it is important to have a robust appraisal of loans, which can reduce the chances of loan turning into an NPA. Also, once a loan starts facing difficulties, it is important for the bank to take remedial action. The study focus on Asset classification and trends of NPAs, compare sector wise NPAs during branch expansion, predict and analyze NPAs by Markov's transition matrix and its application to loan tracking, impact of NPAs on the profitability and productivity of banks, Recovery methods, loan administration activities and factors influencing NPAs from Banker's & Borrower's perspective in selected banks.

Banking Industry and Non-performing Assets (NPAs)

Author : Arun Kumar
Publisher :
ISBN 13 : 9788177084627
Total Pages : 192 pages
Book Rating : 4.0/5 (846 download)

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Book Synopsis Banking Industry and Non-performing Assets (NPAs) by : Arun Kumar

Download or read book Banking Industry and Non-performing Assets (NPAs) written by Arun Kumar and published by . This book was released on 2018-02-09 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Apart from significantly improving the stability of the financial system, banking sector reforms in India since 1991 have supported the transition of the Indian economy to a higher growth path. In comparison to the pre-reforms period, the Indian banking system today is more stable and efficient. However, these gains need to be consolidated into a mature financial system to meet the challenges of financial globalization. Many new processes, products and services offered by banks and other financial intermediaries are now IT-centred. Banks have traditionally been at the forefront of harnessing technology to improve their products, services and efficiency. They have, over a long period of time, been using electronic and telecommunication networks for delivering a wide range of value added products and services. In spite of the technological advances made by the banking system, it is afflicted by a slew of formidable problems, the chief being the accumulation of non-performing assets (NPAs). India's financial system and economic stability are facing a serious threat due to continuous one-way movement of the NPAs. The enactment of Securitisation, Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002 was an important landmark in the ongoing reforms in the financial sector. The Act enables the setting up of asset management companies, addressing the problem of NPAs of banks and financial institutions and enhancing rights of the creditors. This book provides a vivid account of the banking sector reforms in India since 1991. More importantly, it analyzes the various aspects of the problem of NPAs of banks with the help of data/information available in public domain. [Subject: Business Studies, Banking & Finance, India Studies, Banking Law, Economics, History]

Non-performing Assets in Commercial Banks

Author : Dr. Vibha Jain
Publisher :
ISBN 13 :
Total Pages : 362 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Non-performing Assets in Commercial Banks by : Dr. Vibha Jain

Download or read book Non-performing Assets in Commercial Banks written by Dr. Vibha Jain and published by . This book was released on 2007 with total page 362 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contents Include : Introduction; Npa Concept And Prudential Norms; Trends Of Non-Performing Assets; Prevention Of Non-Performing Assets; Management Of Npas; Npa Management In Perspective; Annexure.

Managing Non-Performing Assets in Indian Public Sector Banks

Author : Sk Mujibar Rahaman
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.

Asset Quality & Non-performing Assets of Commercial Banks

Author : J. U. Ahmed
Publisher : MD Pub Pvt Limited
ISBN 13 : 9788175331464
Total Pages : 0 pages
Book Rating : 4.3/5 (314 download)

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Book Synopsis Asset Quality & Non-performing Assets of Commercial Banks by : J. U. Ahmed

Download or read book Asset Quality & Non-performing Assets of Commercial Banks written by J. U. Ahmed and published by MD Pub Pvt Limited. This book was released on 2008-12-10 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The liberalization of financial sector in India is exposing Indian commercial banks in a new economic environment that has characterized by increased competition and new regulatory requirements.The paradign shift of attitude of finacial institutions towards the short term financing has also changed the complexion of scheduled commerical bank.The growing competition and sluggish growth in economy coupled with poor credit deposit ratio, the large volume of non-performing assets in the balance sheet and lack of automation and professionalization in operation have been flaring up the banking situation in the economy.The level of non-performing loans is recognised as an indicator for assessing banks credit risk,asset quality and efficiency in allocation of resources to productive sectors.The committee on financial system has expressed concern over the erosion in the quality of assets of which non-performing advances constitutes the bulk.The fund lock up in NPAs is not available for productive use.The present book is an attempt to diagnose assest quality and level of non performing assets of commercial banks with refernce to backward region.

A Comparative Analysis of Non-Performing Assets (NPAs) of Selected Commercial Banks in India

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

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Book Synopsis A Comparative Analysis of Non-Performing Assets (NPAs) of Selected Commercial Banks in India by : Dr Samir

Download or read book A Comparative Analysis of Non-Performing Assets (NPAs) of Selected Commercial Banks in India written by Dr Samir and published by . This book was released on 2015 with total page 13 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the introduction of international norms for income recognition, asset classification and provisioning in the banking sector, managing NPAs has emerged as one of the major challenges facing Indian banks. Banks today are judged not only on the basis of number of branches and volume of deposits but also on the basis of quality of assets. Non-performing assets constitute a major portfolio of the Banks portfolio and hence are an inevitable burden on the banking industry. NPAs adversely affect the profitability, liquidity and solvency of the banks. This paper analyses the position of NPAs in selected banks namely State Bank of India (SBI), Punjab National Bank (PNB) and Central Bank of India (CBI). It also highlights the policies pursued by the banks to tackle the NPAs and suggests a multi-pronged strategy for speedy recovery of NPAs in banking sector.

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

Author : Rajveer Rawlin
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.

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

Author : Dr Preeti Sharma
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.

Bad Money

Author : Vivek Kaul
Publisher : Harper Collins
ISBN 13 : 9353577225
Total Pages : 248 pages
Book Rating : 4.3/5 (535 download)

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Book Synopsis Bad Money by : Vivek Kaul

Download or read book Bad Money written by Vivek Kaul and published by Harper Collins. This book was released on 2020-06-10 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last decade, Indian banks in general and the government-owned public sector ones in particular have gradually got themselves into a big mess. Their bad loans, or loans which haven't been repaid for ninety days or more, crossed Rs 10 lakh crore as of 31 March 2018. To put it in perspective, this figure is approximately seven times the value of farm loan waivers given by all state governments in India put together. And this became the bad money of the Indian financial system. Why were the corporates unable to return these loans? Was it because they had no intention of doing so?Who were the biggest defaulters of them all? Are Vijay Mallya and Nirav Modi just the tip of the iceberg?How much money has the government spent trying to rescue these banks?How are the private sector banks gradually taking over Indian banking?Is your money in public sector banks safe?How are you paying for this in different ways?And what are the solutions to deal with this? In Bad Money, Vivek Kaul answers these and many more questions, peeling layer after layer of the NPA (non-performing assets) problem. He goes back to the history of Indian banking, providing a long, deep and hard look at the overall Indian economy. The result is a gripping financial thriller that is a must for understanding a crisis that threatens our banking system and economy.

Non-Performing Assets In Banks

Author : Korada Jayaditya Sarma
Publisher :
ISBN 13 : 9783848409501
Total Pages : 84 pages
Book Rating : 4.4/5 (95 download)

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Book Synopsis Non-Performing Assets In Banks by : Korada Jayaditya Sarma

Download or read book Non-Performing Assets In Banks written by Korada Jayaditya Sarma and published by . This book was released on 2012-02 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Book discusses the concept of non-performing assets, the evaluation of credit risk, its significance, the quantification and monitoring of credit risk, and the study of action plan to mitigate the non-performing assets. The term NPA is explained and classified into various sub categories. Then the discussion is followed by key topics like asset classification, internal system for classification of assets as NPA, originating factors for the NPAs, Vehicles for NPA recovery, restructuring/ rescheduling of loans, and impact of NPAs. We will also throw a light on the Basel Recommendations and their efficacy in mitigating the credit risk. We will touch upon issues like estimation of capital requirements, segmentation of retail portfolios, etc. during our journey. In the final stage we delve upon the analytical part relating to the trends in the performance indicators of SBI, their correlations and the impact of NPAs on the performance of bank. From our study we find that there has been an improvement in the credit quality of the portfolios and also a rise in the advances. This is a good phenomenon; it can be attributed to the restructuring policy of Reserve Bank of India.

Management Of Non-Performing Assets In Banks And Financial Institutions

Author : B. Ramachandra Reddy
Publisher : Serials Publications
ISBN 13 : 9788186771334
Total Pages : 380 pages
Book Rating : 4.7/5 (713 download)

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Book Synopsis Management Of Non-Performing Assets In Banks And Financial Institutions by : B. Ramachandra Reddy

Download or read book Management Of Non-Performing Assets In Banks And Financial Institutions written by B. Ramachandra Reddy and published by Serials Publications. This book was released on 2008 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Book Arises Out Of A Seminar Held On The Subject At Venkateshwara Univeristy. 38 Papers By Bankers And Academicians. Provides Information On The Subject Of Npas Which Are Useful For The Banks And Financial Institutions. A Good Reference Work In The Field.

Banking Sector

Author :
Publisher :
ISBN 13 : 9789388147088
Total Pages : 180 pages
Book Rating : 4.1/5 (47 download)

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Book Synopsis Banking Sector by :

Download or read book Banking Sector written by and published by . This book was released on 2019 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt:

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

Author : Goutam Bhowmik
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

Non-Performing Assets and Public Sector Banks in India

Author : Alok Goyal
Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783847327622
Total Pages : 192 pages
Book Rating : 4.3/5 (276 download)

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Book Synopsis Non-Performing Assets and Public Sector Banks in India by : Alok Goyal

Download or read book Non-Performing Assets and Public Sector Banks in India written by Alok Goyal and published by LAP Lambert Academic Publishing. This book was released on 2011-12 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: The banking sector being the backbone of economy, social orientation of banking had been considered essential for the planned economic development of any country.Due to this acknowledged aim, the Banks in India were nationalized in 1969. After two decades of nationalization, the Indian banking sector has achieved considerable progress in all the spheres of business.The concept of banking had undergone a dynamic change in keeping with the need to achieve rapid socio-economic progress. Despite the overall progress made by the financial system, very high and ever growing NPA had become the major stumbling blocks in the banking sector during the post nationalization decades. It was against this background that the banking sector reforms were initiated in India However, increasing NPAs have a direct impact on banks profitability as legally banks are not allowed to book income on such accounts and at the sometime are forced to make provision on such assets as per the Reserve Bank of India (RBI)guidelines.In the present book, an attempt is made to discuss the important constituents of NPA in financial institutions and how this problem is being faced by banking sector in indi

Banking Sector Reforms in India and Performance Evaluation of Commercial Banks

Author : Debaprosanna Nandy
Publisher : Universal-Publishers
ISBN 13 : 1599423510
Total Pages : pages
Book Rating : 4.5/5 (994 download)

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Book Synopsis Banking Sector Reforms in India and Performance Evaluation of Commercial Banks by : Debaprosanna Nandy

Download or read book Banking Sector Reforms in India and Performance Evaluation of Commercial Banks written by Debaprosanna Nandy and published by Universal-Publishers. This book was released on 2010-07-29 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The Committee on Financial System (CFS), popularly known as Narasimham Committee, was set up in 1991 to make recommendations for bringing about the necessary reforms in the financial sector. Narasimham Committee appraised and acknowledged the success and progress of Indian banks since the major banks were nationalized on 19 July 1969. Unfortunately, the developments were witnessed only in the field of expansion and spread of bank branches, generation of huge employment and mobilization of savings rather than also in improvement in efficiency. Besides, corruption, fraud, misutilization in public money, outdated technology, and politicization in policy making were found to be major drawbacks in the real progress of the banks. As the banking sector plays an important and crucial role in the economy of a country for its stabilization and balanced growth, major reforms were urgently needed, after 22 years of nationalization, to revive Indian banks. This was not only in the field of profitability, but also in the overall efficiency, viz., better management of non-performing assets (NPAs), satisfying capital requirements, increased cost effectiveness and control, enhanced customer service, improved technology, establishing competitive interest rate, effective man-power planning, introduction of asset-liability management, better productivity, launching new products, and becoming more competent to face the upcoming challenges and competition from foreign as well as private sector banks in the era of globalization and liberalization. The objectives of the study are to examine the need and relevance of reforms in Indian banks, to assess the efficiency and profitability of Indian banks during reforms from different perspectives, to discuss various issues of NPA management in the light of reforms, to measure the performance of the banks of West Bengal during the reforms, to analyse the role of information technology and its relevancy in Indian banks in the era of reforms, and to impart necessary suggestions for the improvement of the efficiency and profitability of Indian banks.