Managing Non-Performing Assets in Indian Public Sector Banks

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Author :
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.

“Managing Non Performing Assets by Public Sector Banks”

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Author :
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 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Management of Non-performing Advances

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Author :
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.

Non-performing Assets in Commercial Banks

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Author :
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.

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.

Management of Non-Performing Assets in Banking Sector

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Author :
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.

Public Sector Banks in India

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Author :
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.

Management Of Non-Performing Assets In Banks And Financial Institutions

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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.

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

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Author :
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.

Managing Non-Performing Assets in Banks

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Author :
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:

Banking Sector Reforms in India and Performance Evaluation of Commercial Banks

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Author :
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.

Bank Asset Quality in Emerging Markets

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Author :
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.

Bad Money

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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.

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

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Author :
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.

Non-performing Assets: Status and Impact A Comparative Study

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Author :
Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783659355950
Total Pages : 284 pages
Book Rating : 4.3/5 (559 download)

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Book Synopsis Non-performing Assets: Status and Impact A Comparative Study by : Nammi Lalitha

Download or read book Non-performing Assets: Status and Impact A Comparative Study written by Nammi Lalitha and published by LAP Lambert Academic Publishing. This book was released on 2015-03-04 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this study, empirical evidence that explain how NPA performed in Indian banking, based on statistics during post-millennium period is discussed. Indian banking system was classified based ownership into SBI & Associates, Nationalized Banks, Private Sector Banks and Foreign Banks. In the present study two Public sector and two private sector banks were studied. A unique approach was adopted in investigating the effect of NPA based on growth rate, absolute figures and its movement; rather than focusing on NPA ratio's which often lead to wrong conclusion. This study appraise whether the reduction in NPA ratios really reflect efficiency of Indian banking in post-liberalization period. Prudential norms are intended to cleanse the Balance Sheet of banks and restore financial health. In this context the management of NPAs assume importance. The study therefore, concentrates on "Prudential Norms, analysis of magnitude and trends of NPAs in public and private sector banks, management and practices to recover NPAs etc. The NPAs management strategy of the banks is outlined.

Banking Sector and Human Resources

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Publisher : Discovery Publishing House
ISBN 13 : 9788183560481
Total Pages : 388 pages
Book Rating : 4.5/5 (64 download)

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Book Synopsis Banking Sector and Human Resources by : T. Sreenivas

Download or read book Banking Sector and Human Resources written by T. Sreenivas and published by Discovery Publishing House. This book was released on 2006 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contents: Venue Capital: Recent Trends in the Liberalization Context, Role of Financial Institutions and Developmental Organizations in Promoting Rural Non-farm Small Enterprises, Challenges for Indian Banking Industry, HRD Practices in Banking Sector: An Analysis, The Balance Sheet of Liberalization: A Study of the Banking Sector, The Menance of Non-performing Assets: Challenges and Remedial Measures, Credit Disbursement by Commercial Banks After Second Generation Reforms, Financial Sector Reforms and Their Impact on Banks, Voluntary Retirement Scheme: Impact on Banking Sector, Emerging Challenges of Electronic Banking, Information Technology in Banks, Relationship Between Stock Prices and Exchange Rates, Corporate Governance: An Overview, Corporate Frauds: A Model for Good Governance, Development of Technical Entrepreneurship, Perspectives of Entrepreneurship Development Role of STEPs, and Innovation and Business Incubators, Management of Human Resource, Human Resource Managers Challenges, Managing Talent: A Market Driven Approach, Hallmarks of High Performing Organizations, India Shining with Human Strategic Strength, Human Resource Management with Specific Case Studies in India, Human Resource Management: Challenges in the New Millennium, Traditional Professional Communities: Their Reorientation, Human Resource Development As Strategic Strength, HRD As A Strategic Power, Developing Human Resource As A Strategic Strength, Transcultural Human Values, Rationalisation: A Competitive Advantage.

Management Of Non-Performing Assets In Banks

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Author :
Publisher :
ISBN 13 : 9788176112864
Total Pages : 228 pages
Book Rating : 4.1/5 (128 download)

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Book Synopsis Management Of Non-Performing Assets In Banks by : Sugan C. Jain

Download or read book Management Of Non-Performing Assets In Banks written by Sugan C. Jain and published by . This book was released on 2005-01-01 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: