4. GROUP J -
1.PRIYA PAUL (GROUP LEADER).
2.RAJ GHOSH
3.HEMONTO ROY
4.SHRUTI GUPTA
5.AWANTIKA GOALA
6.JUIS ABDULLAH KHAN
7.SHOHIDUL ISLAM
8.AZAHAR ALI MOLLAH
6. .
An asset which remain s
NPA for less then or
equal to 12 months
An asset which remains in
the sub standard asset
category for 12 months
When bank or its auditors
have identified the loss, but
it has not been written off
8. It shows that the average and highest percentage of the
NPA from 2008-09 it have started rising and in the year
of 2017- 18 the highest number of NNPA raise in Indian
banking system and 2018 19 it started falling down word
9. .
.
.
Extant of NPA problems in India
Banks give loans to borrowers. Based on the
performance of the loan. It may becategorised as:-
It means a loan where the borrower is making
regular re payment
1. A standard Asset
It means NPA are the loans and advances
where the borrower has stopped making
interest or principal repayments for over 90
days
2. A non- performing Asset
10. Some of the factors regarding to the increased occurrence of NPA‘s
are external. Such as decrease in global community price leading
slower export . Some are more essential to Indian Banking system. A
lot of loans currently classified as NPA oriented in the id 2000 at the
time when economy was booming and business out look was very
positive .This look lack of proper credit apprised in the another favor
for the raise of NPA’s because of poor credit appraisal, some time the
bank also give loans to those who cannot pay back the loan
11. As per the RESERVE BANK OF INDIA a loan is conciderde as “Bad-Loan
or a NPA when the interest due fir any quarter is not fully paid with in
90 days from the end of the quarter .However this period may very
based on the ters and condition agreed upon by the bank and the
borrower
Possible reasons or problems for rising of NPA in Banking sector are-
Hh1. Credit
BOOM
HH2.Gightoned
monetary
policy
G3.STALLED
judicial and
Legis lashive
procedure
12. Impact of NPA in INDIA
kStress in banking sector cause less money availability to fund other project
, therefore , negative impact on the national economy
1.
gggjBank ’s profitability diminishes . Higher interest rate by the Bank to
maintain the profit margin
2.
hhAs investment got stuck , it may result in unemployment .
3.
jBalance sheet syndrome- both the bank and corporate sector have
streesed balance sheet
4.
H Budget comes under pressure as bailout have to be given
5.
13. KCONCLUSION
The RBI put in a place a strict deadline of 180 days during which a resolution
plant must be implemented, failing whichstressed assets must be referred
to the NCLT under IBC with in 15 days . The frame work also inhanced a
prouision for monitoring of one-day defaults . Where incipents stress and
identified and flagged immediately when repayments are over due
14. The union CIBIL ltd is a credit information . Company operation in
India . It maintains credit records of individuals and business
PCR?
PUBLIC CREDIT REGISTRY is a public digital registrey which is created by Reserve
Bank Of India to keep financial information of both existing and new borrowers in
INDIA
15. HTo conclude , the task of accurating economic
growth is urgent . This is not the problems that
confront the banking
. There is ample scope for improving
performance within the framework of public
ownership
. What is needed is a concentrated focus on the
part of the government
16. Portfolio 2022 Name Lastname
Name Lastname
.Banking Industry & Non-Performing Asset
-By ARUN KUMAR
.NPA of Indian. Commercial Bank
-By BIPLAB KUMAR DEY
