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Non Performing Assets Npas In Indian Banks
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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.
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.
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.
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.
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.
Book Synopsis Non-Performing Assets (Npas) in Indian Banks by : Ambuj Gupta
Download or read book Non-Performing Assets (Npas) in Indian Banks written by Ambuj Gupta and published by LAP Lambert Academic Publishing. This book was released on 2010-10 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: The present study deliberates on the various issues, perspectives and future directions of non-performing assets (NPAs) in Indian Banks. The current banking environment shows that one of the major constraints of the competitive efficiency of banks is the tendency to accumulate poor quality of assets because NPAs act as a drag on profitability and inhibits the lending decisions of the banks. The essential component of a sound NPA management system is quick identification of non-performing advances, their containment at minimum levels and ensuring that their impingement on the financials is minimum. The approach to NPA management has to be multi-pronged, calling for different strategies at different stages a credit facility passes through. The study also discusses the global scenario of NPAs along with specific country analysis, the regulatory framework adopted in India along with a strategic course of action to stop conversion of loans and advances into NPAs, recovery of NPAs and converting NPAs into performing advances.
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]
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.
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.
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.
Book Synopsis Management of Non-Performing Assets in Indian Banks and Its Challenges by : Sujoy Dhar
Download or read book Management of Non-Performing Assets in Indian Banks and Its Challenges written by Sujoy Dhar and published by . This book was released on 2016 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: Increase in non-performing assets has become a major area of concern for all stakeholders of Indian banking players. Provisioning requirements, consequent to higher non-performing assets and higher interest expenses have put pressure on the banks' profitability. The objectives of the study are to compare and contrast the performance of Indian banking sector with respect to its peer nations with specific emphasis to accumulation of NPA, to identify the causes of increase in NPAs in Indian banks and to recommend the necessary means through which NPA can be reduced to a significant extent. The research paper has taken into consideration the secondary data available in several research articles published in the different reputed national and international journals downloaded from EBSCO host and Emerald. Apart from these, different knowledge reports available in the public domain are also considered as the source of key information inputs. The paper will give a new dimension in the literature of NPA management after taking into account the guidelines of the Basel Committee on Banking Supervision to manage the credit risk. The focus of the research work is to identify the scope and direction of Indradhanush framework, an innovative initiative by the Ministry of Finance, Government of India to combat against the curse of NPA. The paper analyses the impact of recapitalization of Indian banks and puts a major impetus on knock out ratio to judge the financial health of the banks.
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.
Book Synopsis Management of Non-Performing Assets - A Comprehensive Model for Assessment by : Fareed Ahmed
Download or read book Management of Non-Performing Assets - A Comprehensive Model for Assessment written by Fareed Ahmed and published by . This book was released on 2017 with total page 9 pages. Available in PDF, EPUB and Kindle. Book excerpt: In a bank led economy, the concern for effective management of non-performing assets (NPAs) in the Indian banking sector is relevant. The most commonly used indicators for assessing the performance of banks, have been Gross NPA (GNPA) and Net NPA (NNPA) ratios. But the techniques adopted by banks for NPA reduction vary widely and play a significant role in the improvement of quality of NPA management of banks. After an in-depth analysis of various factors affecting NPA management in banks, this paper makes an attempt to compare the performance of Indian banks with respect to various aspects of NPA management, by developing an index which will enable one to have a clear understanding of the bank's performance vis-à-vis its peers. By constructing this index, the study revealed that, though the economic downturn was faced by all banks, deterioration in asset quality and poor NPA management was not reflected across all bank groups and PSBs share a disproportionate and increasing burden in case of NPAs among the bank groups and divergence among banks in the same group.
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.
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:
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
Book Synopsis Determinants of Commercial Bank Interest Margins and Profitability by : Asl? Demirgüç-Kunt
Download or read book Determinants of Commercial Bank Interest Margins and Profitability written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 1998 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.
