This document is a research plan proposal submitted by Neha Maheshwari for a Masters degree. The proposal compares NPA (non-performing asset) management at SBI and ICICI Bank. It begins with an introduction on the importance of managing NPAs for bank and economic stability. It then reviews literature on previous studies of NPAs in Indian banks. The proposal will analyze classification and causes of NPAs, trends in NPA levels over time between public and private sector banks, and strategies to control and reduce NPAs.
A Comparative Study of Non- Performing Assets of Public and Private Sector BanksIJMTST Journal
on-performing assets are one of the major concerns for banks in India. NPA is an important parameters in
the analysis of financial performance of a bank as it results in decreasing margin and higher provisioning
requirements for doubtful debts. NPAs reflect the performance of banks. A high level of NPAs suggests high
probability of a large number of credit defaults that affect the profitability and net-worth of banks and erodes
the value of the assets. NPAs affect the liquidity and profitability, in addition to posing threat on quality of
assets and survival of banks. The Indian banking sector has been facing serious problems of raising
Non-performing assets (NPAs). The NPAs growth has a direct impact on profitability of banks. It involves the
necessity of provisions, which reduces the overall profits and shareholders’ value. The problems of NPAs is
not only affecting the banks but also the whole economy. In fact high level of NPAs in Indian banks is nothing
but a reflection of the state of health of the industry and trade. To improve the efficiency and profitability, the
NPAs have to be scheduled. Various steps have been taken by governments to reduce the NPAs. It is highly
impossible to have zero percentage NPAs. But at least Indian banks can try competing with foreign banks to
maintain international standard. An attempt is made in this paper that what is NPA? The factor contributing to
NPAs, reason for high NPAs and their impact on Indian banking operations, the trend and magnitude of NPAs
in selected
India being a developing country has been progressing since independence with the great sup-port of banking system in the country. The role of commercial bank in the progress of the country is considered as a benchmark. For the high rate of capital formation the role of commercial bank has no any other alternative. But yet India needs a great amount of development and growth for the time to come where again the banking system will become a milestone but the banking system has only one big issue that is of Non Performing Assets.
In general, the non performing assets are found more comparatively in the public sector banks in comparisons to private bank because of liberal rules for the debt recovery. Now a days the RBI has is-sued strict guidelines to reduce NPA,s in the banks and due to that the proportion of NPA,s has re-duced up to the extent but not all together. In the present paper a study is conducted to check the NPA,s of State Bank Of India during 2012-13 to 2016-17 and suggestion to reduce the NPA,s has also been drawn.
And much more
A STUDY ON IMPACT OF BARCODE AND RADIO FREQUENCY IDENTIFICATION TECHNOLOGY ON...IAEME Publication
Bar-code technology has now widespread that many customers take it for granted as this technology continues to offer infinite benefits in a wide extent of businesses. The theoretical frame work is intended to gain responses with maximum users about automation and optimization of production using Barcode and RFID; since there is a limited user of RFID, the researcher was supposed to go with barcode users only. This study observed the importance and implementation of Barcode in manufacturing industries, how it works and appreciates productivity, its influence over the manufacturing chain and about its integration among the different units and frames of this sector
A Comparative Study of Non- Performing Assets of Public and Private Sector BanksIJMTST Journal
on-performing assets are one of the major concerns for banks in India. NPA is an important parameters in
the analysis of financial performance of a bank as it results in decreasing margin and higher provisioning
requirements for doubtful debts. NPAs reflect the performance of banks. A high level of NPAs suggests high
probability of a large number of credit defaults that affect the profitability and net-worth of banks and erodes
the value of the assets. NPAs affect the liquidity and profitability, in addition to posing threat on quality of
assets and survival of banks. The Indian banking sector has been facing serious problems of raising
Non-performing assets (NPAs). The NPAs growth has a direct impact on profitability of banks. It involves the
necessity of provisions, which reduces the overall profits and shareholders’ value. The problems of NPAs is
not only affecting the banks but also the whole economy. In fact high level of NPAs in Indian banks is nothing
but a reflection of the state of health of the industry and trade. To improve the efficiency and profitability, the
NPAs have to be scheduled. Various steps have been taken by governments to reduce the NPAs. It is highly
impossible to have zero percentage NPAs. But at least Indian banks can try competing with foreign banks to
maintain international standard. An attempt is made in this paper that what is NPA? The factor contributing to
NPAs, reason for high NPAs and their impact on Indian banking operations, the trend and magnitude of NPAs
in selected
India being a developing country has been progressing since independence with the great sup-port of banking system in the country. The role of commercial bank in the progress of the country is considered as a benchmark. For the high rate of capital formation the role of commercial bank has no any other alternative. But yet India needs a great amount of development and growth for the time to come where again the banking system will become a milestone but the banking system has only one big issue that is of Non Performing Assets.
In general, the non performing assets are found more comparatively in the public sector banks in comparisons to private bank because of liberal rules for the debt recovery. Now a days the RBI has is-sued strict guidelines to reduce NPA,s in the banks and due to that the proportion of NPA,s has re-duced up to the extent but not all together. In the present paper a study is conducted to check the NPA,s of State Bank Of India during 2012-13 to 2016-17 and suggestion to reduce the NPA,s has also been drawn.
And much more
A STUDY ON IMPACT OF BARCODE AND RADIO FREQUENCY IDENTIFICATION TECHNOLOGY ON...IAEME Publication
Bar-code technology has now widespread that many customers take it for granted as this technology continues to offer infinite benefits in a wide extent of businesses. The theoretical frame work is intended to gain responses with maximum users about automation and optimization of production using Barcode and RFID; since there is a limited user of RFID, the researcher was supposed to go with barcode users only. This study observed the importance and implementation of Barcode in manufacturing industries, how it works and appreciates productivity, its influence over the manufacturing chain and about its integration among the different units and frames of this sector
0601082 npa and recovery process with respect to small scale industriesSupa Buoy
Hi Friends
This is supa bouy
I am a mentor, Friend for all Management Aspirants, Any query related to anything in Management, Do write me @ supabuoy@gmail.com.
I will try to assist the best way I can.
Cheers to lyf…!!!
Supa Bouy
0601082 npa and recovery process with respect to small scale industriesSupa Buoy
Hi Friends
This is supa bouy
I am a mentor, Friend for all Management Aspirants, Any query related to anything in Management, Do write me @ supabuoy@gmail.com.
I will try to assist the best way I can.
Cheers to lyf…!!!
Supa Bouy
NPAs and their management in banks in IndiaJyoti Sharma
NPAs are a growing concern in banks. This ppt deals with concept of NPAs, RBI's prudential guidelines regarding income recognition, asset classification and provisioning, tools for NPA management available with banks
Presentation on the literature review of interventions to improve health care...IDS
This presentation was given in a Future Health System Consortium organised session at the Global Symposium on Health Systems Research in November 2010. The author is Alex Rowe from the Centers for Disease Control and Prevention.
Changing Issues Related to Declining of Non-Performing Assets in Banksijtsrd
This paper explores an empirical approach to the analysis of Non Performance Assets NPAs of public, private, and foreign sector banks in India. the NPAs are considered as an important parameter to judge the performance and financial health of banks. The level of NPAs is one of the drivers of financial stability and growth of the banking sector. This paper aims to find the fundamental factors which impact NPAs of banks. A model consisting oftivo types of factors, viz., macroeco nomie factors and bank specific parameters, is developed arid the behavior of NPAs of the three categories of banks is observed. The empirical analysis assesses how macroeconomic factors and bank specific parameters affect NPAs of a particular category of banks. The results show that movement in NPAs over the years can be explained well by the factors considered in the model for the public and private sector banks. The other important results derived from the analysis include the finding that banks exposure to priority sector lending educes NPAs. The Impact of competitive culture of public,, private, and foreign sector banks in India with in themselves helpes in declining of NPAs from banks. Dr. Mohan S. Rode "Changing Issues Related to Declining of Non-Performing Assets in Banks" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29684.pdf Paper URL: https://www.ijtsrd.com/management/other/29684/changing-issues-related-to-declining-of-non-performing-assets-in-banks/dr-mohan-s-rode
A Study on Factors Influencing the Financial Performance Analysis Selected Pr...Dr. Amarjeet Singh
The growth of a country's banking sector has a significant impact on its economic development. The banking sector plays a critical role in determining a country's economic future. A well-planned, structured, efficient, and viable banking system is an essential component of an economy's economic and social infrastructure. In modern society, a strong banking system is required because it meets the financial needs of the modern society. In a country's economy, the banking system plays a crucial role. Because it connects surplus and deficit economic agents, the bank is the most important financial intermediary in the economy. The banking system is regarded as the economy's lifeline. It meets the financial needs of commerce, industry, and agriculture. As a result, the country's development and the banking system are intertwined. They are critical in the mobilisation of savings and the distribution of credit to various sectors of the economy. India's private sector banks play a critical role in the country's economic development. So The financial performance of private sector banks must be evaluated carefully.
An Analysis on the Non Performing Assets of Public Sector Banks in Indiaijtsrd
The objective of this study is to analyse the impact of Priority Sector Lending PSL on Non Performing Assets NPAs of Public Sector Banks PSBs in India. Further, the study investigates the impact of NPAs of PSBs in India on Gross Advances GAs and Net Profitability. The paper also examines the presence of structural break in the relationship between GAs and NPAs of PSBs due to the Financial Crisis, 2007 08. The results show that PSL has a significant impact on NPAs of PSBs. There is a negative impact of NPAs on GAs and NP of PSBs. There is structural break in the relationship between GAs and NPAs due to financial crisis. Catherine Rachel Jacob | Alan Eapen Philip | Rajalakshmi E R "An Analysis on the Non-Performing Assets of Public Sector Banks in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-6 | Issue-2 , February 2022, URL: https://www.ijtsrd.com/papers/ijtsrd49271.pdf Paper URL: https://www.ijtsrd.com/management/other/49271/an-analysis-on-the-nonperforming-assets-of-public-sector-banks-in-india/catherine-rachel-jacob
This study compares the Loans and Advances, NPAs of both public and private sector banks in India to explore the preventive measures to control the rising NPAs. Suitable preventive measures help banks to decrease the level of NPAs in India. A lower level of NPAs helps the banks in consolidating their position, increasing confidence to depositors and increasing market share of the banks.
Financial Performance Analysis of Bank of Bhutan Limited using Regression Ana...ijtsrd
This study analyses the financial performance of the Bank of Bhutan Limited BOBL . To measure the performance of BOBL, the factors affecting the profitability of the bank have been analysed. The data for the study are collected from the published annual reports of BOBL for the period of 2009 2020. Regression analysis is used to evaluate the financial performance of the bank. Return on Investment ROI is used as a dependent variable, and Return on Assets ROA , Total Expense Ratio TER , Loans and Advances to Total Assets Ratio LTAR and Spread to Total Deposit Ratio STDR are used as independent variables. The findings of the study indicate that TER has a positive relationship with the profitability of BOBL whereas LTAR has a negative relation with BOBL’s profitability. Hence, it is concluded that among four independent variables, ROA and TER had significant impact on the profitability of BOBL. Dr. Aaditya Pradhan | Mr. Ugyen Thinlay "Financial Performance Analysis of Bank of Bhutan Limited using Regression Analysis" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-7 | Issue-3 , June 2023, URL: https://www.ijtsrd.com.com/papers/ijtsrd58589.pdf Paper URL: https://www.ijtsrd.com.com/management/accounting-and-finance/58589/financial-performance-analysis-of-bank-of-bhutan-limited-using-regression-analysis/dr-aaditya-pradhan
EFFECT OF NON-PERFORMING ASSETS (NPA) ON PERFORMANCE OF COMMERCIAL BANKS IN I...IAEME Publication
After the liberalization policy of 1991, Indian banking sector change dramatically and measure were taken for making Indian banking sector as a world standard. There are many obstacles faced by Indian banks and increasing NPA is one of them. There are two types of NPA – Gross NPA and Net NPA. For present study Net NPA are considered. Reserve Bank of India (RBI) is monitoring these phenomena and declaring guidelines at various times. After the slowdown of 2008, the threat of increasing NPA and decreasing ROA is witnessed. This paper is an attempt to correlate the NPA and ROA of Indian commercial Banks. Though the sample size is small but all major 11 banks (6 Public sector banks and 5 Private sector banks) where chosen for the study. 2015-16 to 2018-19 is the study period for this study.It is found that in this study period of 4 years, NPA increase rate is higher in public sector banks than the private sector banks. NPA of private sector banks are well under control. This study shows that there is moderate negative correlation of NPA and ROA of Public sector banks. This means as the NPA increasesit negatively affects the ROA of banks.
A STUDY OF VARIOUS TYPES OF LOANS OF SELECTED PUBLIC AND PRIVATE SECTOR BANKS...IAEME Publication
Banking regulations act of India, 1949 defines banking as “acceptance of deposits for the purpose of lending or investment from the public, repayment on demand or otherwise and withdrawable through cheques, drafts order or otherwise”, the major participants of the Indian financial system are commercial banks, the financial institution encompassing term lending institutions. Investments institutions, specialized financial institution and the state level development banks, non banking financial companies (NBFC) and other market intermediaries such has the stock brokers and money lenders are among the oldest of the certain variants of NBFC and the oldest market participants. The asset quality of banks is one of the most important indicators of their financial health. The Indian banking sector has been facing severe problems of increasing Non- Performing Assets (NPAs). The NPAs growth directly and indirectly affects the quality of assets and profitability of banks. It also shows the efficiency of banks credit risk management and the recovery effectiveness. NPA do not generate any income, whereas, the bank is required to make provisions for such as assets that why is a double edge weapon. This paper outlines the concept of quality of bank loans of different types like Housing, Agriculture and MSME loans in state Haryana of selected public and private sector banks. This study is highlighting problems associated with the role of commercial bank in financing Small and Medium Scale Enterprises (SME). The overall objective of the research was to assess the effect of the financing provisions existing for the setting up and operations of MSMEs in the country and to generate recommendations for more robust financing mechanisms for successful operation of the MSMEs, in turn understanding the impact of MSME loans on financial institutions due to NPA. 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 selected public sector and private sector banks and attempts to compare the NPA of Housing, Agriculture and MSME loans in state Haryana of public and private sector banks. The tools used in the study are average and Anova test and variance. The findings reveal that NPA is common problem for both public and private sector banks and is associated with all types of loans either that is housing loans, agriculture loans and loans to SMES. NPAs of both public and private sector banks show the increasing trend. In 2010-11 GNPA of public and private sector were at same level it was 2% but after 2010-11 it increased in many fold and at present there is GNPA in some more than 15%. It shows the dark area of Indian banking sector.
Asset quality of nationalized banks and new private sector banks on priority ...RAVICHANDIRANG
Banking sector in India is one of the prevailing and well-organized mechanisms of the financial system. Indian banking sector consists of old age tradition, which enable to update
modern technology. Structure of the banking system is also well defined and systematically channelized. When banks were established, it had complicated only traditional services such as
accepting deposits and lending loans. Due to the industrial development in the country, banks become a never ending system of the economy which is positioned as a centre point of social, economical and industrial well being. In this regard, banks were nationalized and Government had given periodical regulation. The banking system has been acting as negotiator to the Government to implement socio economic programmes. As per the working group of priority sector, lending recommendation, commercial banks are obliged to lend up to 40% of their total
lending to priority sector.
Impact on NPAs on the performance of UCO Bank: A Studyijtsrd
Indian banking sector has been facing terrible problem due to the deterioration quality of assets which is increasing gradually. The growth of NPA has a direct impact on the overall performance of the bank. The problems of NPAs not only affecting the bank but also affect the entire economy. The present study is analytical in nature and completely based on secondary data analysed by using accounting and statistical tools. The UCO Bank was established before the independence and worked successfully, but now facing various problems due to NPAs. In this above background the present study assess the financial strength, quality of loan assets and NPA management and also discussed the impact of NPAs on the performance of UCO Bank as well as the recovery performance of NPAs. Sanjay Dawn | Dr. Subhas Chandra Sarkar"Impact on NPAs on the performance of UCO Bank: A Study" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-5 , August 2018, URL: http://www.ijtsrd.com/papers/ijtsrd18218.pdf http://www.ijtsrd.com/management/accounting-and-finance/18218/impact-on-npas-on-the-performance-of-uco-bank-a-study/sanjay-dawn
Stressed Assets Effect on Post Merger Scheduled Commercial Banks in Indiaijtsrd
The global banking reform agenda made further progress in 2017 '18, the Reserve Bank of India ushered in a revised framework with the insolvency and bankruptcy code as the focal point in pursuit of declogging of bank's balance sheets from overhang of stressed assets. Going forward, issues such as recapitalization, improvement in banks' corporate governance, implementation of Ind AS and containment of cybersecurity risks may assume prominence. Indian banks will continue to face deterioration in their non performing assets NPAs or bad loans due to the current economic conditions in the current fiscal year 2019 20 . The gross non performing assets GNPAs plus restructured standard advances in the banking system remained elevated at 12.1 percent of gross advances at end March 2018. Going forward, the stress tests carried out by the Reserve Bank suggest that under the baseline assumption of the current economic situation prevailing, the GNPA ratio of scheduled commercial banks SCBs may increase further in 2018 19."" The aggregate gross NPAs of SCBs increased primarily as a result of this transparent recognition of stressed assets as NPAs, from Rs 3,23,464 Crore, as on March 31, 2015, to Rs 10,35,528 crore, as on March 31, 2018. Dr. S. Gautami | Dr. Nalla Bala Kalyan ""Stressed Assets Effect on Post Merger Scheduled Commercial Banks in India"" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-2 , February 2020,
URL: https://www.ijtsrd.com/papers/ijtsrd30234.pdf
Paper Url : https://www.ijtsrd.com/management/equality-diversity-and-inclusion/30234/stressed-assets-effect-on-post-merger-scheduled-commercial-banks-in-india/dr-s-gautami
A Study on Relationship between Firm Size and Profitability: Selected Private...ijtsrd
The study is to identify the relationship between firm size and profitability of selected private sector banks in India. This study is classified as quantitative research followed with a descriptive research design. The Reserve Bank of India's publication of annual trend and progress of banking in India in June 2018, indicates that the total number of private sector banks in India is 21. The study selected the first five banks based on the hierarchy of the value of its total assets. The study is based on secondary data and it has been collected from the annual reports of the respective banks. The period of study is five years from 2015 to 2019. Firm size such as bank size is measured through the natural log of the book value of deposits, assets, and advances independent variables and the profitability is measured through the natural log of the book value of the net profit of the bank dependent variable . The data analysis includes descriptive statistics, correlation matrix, and linear regression. On the basis of the analysis, the study found that there is a significant relationship between independent variables and the dependent variable. Further, there is a positive correlation and statistically significant between these variables. Dr. Dhanuskodi Rengasamy "A Study on Relationship between Firm Size and Profitability: Selected Private Sector Banks in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29621.pdf Paper URL: https://www.ijtsrd.com/economics/accounting/29621/a-study-on-relationship-between-firm-size-and-profitability-selected-private-sector-banks-in-india/dr-dhanuskodi-rengasamy
TWO WAY FIXED EFFECT OF PRIORITY SECTOR LENDING (SECTOR WISE) ON NON PERFORMI...IJBBR
Reserve Bank of India has fixed some targets and sub targets for all commercial banks for PSL (Priority Sector Lending). Priority sector lending refers to that sector of economy which is not getting adequate financial assistance from different financial institutions. Due to Priority sector Lending, Non-performing assets of the banks are increasing day by day. This research paper is an attempt to measure the two way effect of every sector of PSL on NPA for public and private banks. Effect between PSL and NPA is found with the help of E Views Software. The period of study is 2001 to 2013. For the analysis Pooled Regression Model, Panel Regression Model and Two Way Fixed Effect Model is used.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
1. RESEARCH PLAN PROPOSAL
NPA MANAGEMENT
(A COMPARATIVE STUDY OF SBI AND ICICI BANK)
FOR THE DEGREE OF
MASTERS OF COMMERCE
(DEPARTMENT OF ACCOUNTING AND TAXATION)
IN THE FACULTY OF COMMERCE
THE IIS UNIVERSITY,JAIPUR
SUBMITTED TO : SUBMITTED BY:
Dr.Ankita Chaturvedi Neha Maheshwari Head
,Senior Assistant Professor M.COM (IIIrd Semester)
Department of Accounting and Taxation Accounting and Taxation
ICG/2014/17713
2015-2016
2. INTRODUCTION
• Banking sector plays a pivotal role in the development of an economy. The development role it
undertakes determines the pace of development of the economy. Hence the stability of banking
sector is important for the development of an economy. The primary function of banks is to lend
funds as loans to various sectors such as agriculture, industry, personal and housing and other to
meet the productive use of these funds. In recent times the banks have become very cautious in
extending loans, the reason being mounting Non-Performing Assets. Non-performing assets had
been the single largest cause of irritation of the banking sector of India .
• Non Performing Asset means an asset on which the interest or principal have not been paid by
the borrower for the specified period. NPAs reflect the performance of banks. A high level of NPAs
suggests high probability of a large number of credit defaults that affect the profitability and net-
worth of banks and also erodes the value of the asset. The NPA growth involves the necessity of
provisions, which reduces the over all profits .
3. NON PERFORMING ASSETS
The concept of Non Performing Asset (NPA )came into existence with the
recommendations of Narasimaham Committee in the year 1992-1993. Non-Performing
Assets have been substantially reduced since regulations were tightened in 1993, but
improvement has recently slowed down. With passing time Banks implemented many
provisions and curative measures to eliminate NPA which helped them to overcome few
problems regarding NPA but soon they found out that NPAs cannot be eliminated
completely, they can just be reduced with proper implementation and management of
funds.
6. TRENDS OF NPA
0
1
2
3
4
5
6
7
2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12
p
e
r
c
e
n
t
a
g
e
%
NET NPAs
Public Sector
Private Sector
8. Study
Reference
1
Study
Description
Country Data Source
&
Techniques
Used
Findings
Narula S., Singala
M.(2014),”Empirical
Study on Non
Performing Assets Of
Bank”
International Journal
of Advance Research
in Computer Science
&Management
Studies; Volume
2,Issue 1, ISSN No.
2321-7782,PP.194-
198
The article focuses
on Non Performing
Assets of PNB and
its impact on
profitability and sees
its relation between
Total Advances, Net
Profits ,Gross & Net
NPAs.
India Secondary data
based, ratio analysis
used as tool.
Because of
mismanagement in
bank there is a
positive relation
between total
advances, Net profits
and NPA of bank
which is not good.
This positive
relationship between
is due to wrong
choice of client by
bank.
9. Study
Reference
2
Study
Description
Country Data Source
&
Techniques
Used
Findings
Panery H.J.(2014)
“A Comparative
Study of Non
Performing Assets In
Selected
Nationalized Banks
In India”
Indian Journal of
Applied Research;
Volume 4, Issue
12,ISSN No.
2249-555X,PP.295-
298
This article discusses
the position of NPAs
in Indian
Nationalized Banks .
NPAs of selected
banks have been
compared (Central
Bank of India ,Dena
Bank, SBI). Data for
the period of last five
years i.e. year 2009-
10; to year 2013-14
of the sample banks
have been taken .
India Secondary data is
used. Various Ratios
have been calculated
for the analysis.
ANOVA table is
prepared.
In present time it is
very necessary to
control
growing NPAs in
Nationalized Banks
in India. RBI have to
take some steps to
control the NPAs in
Banking.
10. Study
Reference
3
Study
Description
Country Data Source
&
Techniques
Used
Findings
Pasha M.A.&
Srivenkataramana
T.(2014),
“Non Performing
Assets of Commercial
Banks – A Critical
Evaluation ” DHARANA
- International Journal
from MP
Birla Institute of
Management;
Volume 8,ISSN No.
0974-0082,
PP.03-09
This paper discusses
Gross & Net NPAs of
commercial banks
classified into Public,
Private & Foreign for
the period (2008-
2013).Management of
NPAs have been
discussed as well.
India Secondary data has
been collected.
NPAs of Public banks
are more in
comparison to Private
&Foreign Banks. A
sound control system
on assets can help in
NPA management.
11. Study
Reference
4
Study
Description
Country Data Source
&
Techniques
Used
Findings
Samir , Kamra D.
(2013)
“A Comparative
Analysis of Non
Performing Assets of
Selected Commercial
Banks in India”
International Journal
of Management ;
Volume 3,
No.1,
ISSN No. 2277-5470,
PP. 68-80
This paper analyses
the trends of NPAs
with respect to
Advances & Total
Assets of SBI, CBI &
PNB. It details
about the sector-wise
Classification of
NPAs, internal and
external factors for
their occurrence, the
effects of NPAs on
banks.
India Secondary Data is
collected. Net NPA
as a percent of total
assets and total
advances have been
calculated.
Correlation technique
has been used.
The incidence of
non-performing
assets (NPAs) is
affecting the
performance of credit
institutions both
financially and
psychologically The
study suggests multi-
pronged and
diversified strategy
for speedy recovery
of NPAs in
Commercial Banks in
India.
12. Study
Reference
5
Study
Description
Country Data Source
&
Techniques
Used
Findings
Srinivas KT (2013),
“A Study On Non
Performing Assets of
Commercial Banks in
India “
International Monthly
Journal Of Research
in
Management &
Technology;
Volume 2 , ISSN No.
2320-0073
The paper states the
reasons for
advances becoming
NPA in the Indian
Commercial banks
Sector. It elucidates
various steps for
reducing NPAs.
India Secondary data:
secondary RBI
bulletins, research
papers etc. is used.
By adopting certain
measures banks can
avoid sanctioning
loans to unworthy
customers. They
should get both the
formal and informal
reports about the
goodwill of the
customer. If a person
is already proven as
a defaulter then there
is no question of
sanctioning loan to
him.
13. Study
Reference
6
Study
Description
Country Data Source
&
Techniques
Used
Findings
Ganesan D. &
Santhanakrishnan R.
(2013),” Non-
Performing Assets: A
Study of State Bank
of India.” Asia Pacific
Journal of Research;
Volume 1, Issue 10,
ISSN: 2320-5504,
PP. 81-88
The magnitude of
NPA is comparatively
higher in public
sector banks than
private sector banks.
NPA are threatening
the stability and
demolishing banks
profitability
India Pre structured
questionnaire, and
Secondary Data is
used.
The NPA ratios in
India have risen
sharply year-by-year.
A high proportion of
Non-performing
Assets steadily
erodes the capital
base of a bank,
impinging on the
ability of bank to
raise fresh capital.
14. Study
Reference
7
Study
Description
Country Data Source
&
Techniques
Used
Findings
Shalini H.S. (2013). “A
Study on Causes and
Remedies for Non
Performing Assets in
Indian Public Sector
Banks with Special
Reference to Agricultural
Development Branch,
State Bank of Mysore.”
International Journal of
Business and
Management Invention;
Volume 2, Issue 1,
ISSN: 2319-8028,PP.26-
38
Explaining the credit
management which
includes planning,
organizing,
controlling, directing
and co-coordinating
the credit
sanctioning policies
in order to decrease
the non performing
assets.
India Primary &Secondary
Method used.
Chi-Square Method
is applied.
Measure can be
taken to avoid loans
to non-credit worthy
borrowers which
include a careful
check on the
economic viability of
the project.
15. Study
Reference
8
Study
Description
Country Data Source
&
Techniques
Used
Findings
Selvarajan B. &
Vadivalagan G.
(2013)
“A Study on
Management of
Non Performing
Assets in Priority
Sector Reference To
Indian Banks &
Public Sector Banks
”
Global Journal of
Management &
Business Research ;
Volume 13, Issue
1 , ISSN No. 2249-
4588,PP.101-113
The paper discusses
the challenges
created by NPAs. It
says that major
portion of bad debts
in Indian Banks
arose out of lending
to the priority sector
at the dictates
of politicians and
bureaucrats.
India The data collected is
mainly secondary in
nature.
The
management of
Indian Bank must
pay special attention
towards the NPA
management and
take appropriate
steps to arrest the
creation of new
NPAs, besides
making recoveries in
the existing NPAs.
Timely action is
essential to ensure
future growth of the
Bank.
16. Study
Reference
9
Study
Description
Country Data Source
&
Techniques
Used
Findings
Singh A. (2013),
“Performance of
Non-Performing
Assets (NPAs) in
Indian Commercial
Banks” International
Journals of
Marketing, financial
Services &
Management
Research; ISSN:
2277-3622, Volume
2, no.9, PP. 86-94
This article majorly
focuses that the NPA
not only affects the
current profit but also
the future profit,
which lead to loss of
long-term beneficial
opportunity.
India RBI Annual Financial
Report, ratio
analysis: trend
percentage used.
The extent of NPAs
has comparatively
higher in public
sectors banks. To
improve the
efficiency and
profitability, the NPAs
have to be
scheduled. Various
steps have been
taken by government
to reduce the NPAs.
17. Study
Reference
10
Study
Description
Country Data Source
&
Techniques
Used
Findings
Manjule R. R.
(2013),
“Non Performing
Assets – A Challenge
for
Indian Public Sector
Banks”
Researchjournali’s
Journal of Finance;
Volume 1,No. 2,
ISSN No. 2347-8217
The article discusses
the trends in NPA
level based on
recovery in
Commercial Banks.
It further discusses
the preventive
measures
&corrective
measures.
India Secondary data is
used. data has been
collected from issues
of
Report on Trends
and Progress of
Banking in India
An efficient
management
information system
should be developed.
The bank staff
involved in
sanctioning the
advances should be
trained about the
proper
documentation and
charge of securities
and motivated to
take measures in
preventing advances
turning into NPA.
18. Study
Reference
11
Study
Description
Country Data Source
&
Techniques
Used
Findings
Chatterjee C.,
Mukherjee J.&
Das R. (2012),
“Management of
Non Performing
Assets- A Current
Scenario “
International Journal
of Social Science &
Interdisciplinary
Research ;
Volume 1, Issue 11,
ISSN No.
2277-3630,
PP.204-214
The paper focuses
mainly on the causes
and consequences of
NPAs, policy
directives of RBI,
initiatives of Indian
Government,
scenario of NPAs
sector wise and bank
group wise.
India Secondary Data has
been used. The main
source of information
has been through
RBI reports and
bulletins
From the study it is
quite evident that the
NPAs have a
negative influence on
the achievement of
capital adequacy
level, funds
mobilization and
deployment policy,
banking system
credibility,
productivity and
overall economy.
19. Study
Reference
12
Study
Description
Country Data Source
&
Techniques
Used
Findings
Balasubramanium
C.S. (2012) “Non
Performing Assets
And Profitability
Of Commercial
Banks in India :
Assessment and
Emerging Issues “
National Monthly
Referred Journal Of
Research in
Commerce &
Management;
Volume 1 ,
Issue 7, ISSN No.
2277-1166,
PP.41-52
Study focuses on
trends of NPA since
2000. It discusses
high cost of funds
due to NPA. It
expects that
participating banks in
BASEL III norms are
following healthy
financial and
operational
management
policies.
India Secondary data is
used.
Gross NPA and Net
NPA as a percent of
total assets and total
advances have been
calculated.
Good credit appraisal
procedures, effective
internal control
systems can help
banks to reduce
NPAs.
Capital positions of
banks have improved
as they were able to
mobilize funds.
20. Study
Reference
13
Study
Description
Country Data Source
&
Techniques
Used
Findings
Rajput N., Gupta M.
& Chauhan A.K.
(2012), “Profitability
and Credit Culture of
NPAs: An Empirical
Analysis of PSBs.”
International Journal
of Marketing,
Financial services
and Management
Research; Volume 1,
Issue 9, ISSN: 2277-
3622, PP. 91-109
This paper provides
a pragmatic method
to evaluate effective
indicator with a focus
of non-performing
assets of commercial
banks.
India Secondary data
based (RBI
Publications),
Correlation &
regression used.
It gives an
understanding that
bank’s profitability
can be increased
only if NPA is
decreased.
21. Study
Reference
14
Study
Description
Country Data Source
&
Techniques
Used
Findings
Rajput N., Arora A.&
Kaur B.(2011),
“Non Performing
Assets in the Indian
Public Sector Banks”
Bank & Bank
Systems ;
Volume 6,
Issue 4, ISSN No.
1816-7403 , PP.
84-89
This study traces the
movement of the
NPAs present in
Indian public sector
banks by analyzing
the financial
performance of the
banks with respect to
key performance
indicators and
management of the
non performing
assets under the
purview of new policy
actions.
India The study is based
on secondary data
collected from RBI
bulletins, journals,
websites etc.
However during the
periods of economic
slowdown,
public sector banks
in India have shown
flexibility,
management of
NPAs through better
quality of advances
and recovery
procedures is
essential for banks to
maintain their
continued existence
and expansion.
22. Study
Reference
15
Study
Description
Country Data Source
&
Techniques
Used
Findings
Kaur H.& Saddy
N.k.(2011),
“A Comparative Study
of Non Performing
Assets of Public
&Private Sector Banks
“
International Journal of
Research in
Commerce &
Management;
Volume 2, Issue
9,ISSN No. 0976-
2183,PP. 82-89
This paper focuses
on the effect of
NPAs, factors
contributing to it ,
magnitude of NPAs
& their impact on
Indian Banking
Operations . It also
discusses the
management of
credit risk
&measures to
control NPAs
Menace.
India Secondary data is
used. Percentage
of NPA to
Advances & has
been calculated.
To improve the
efficiency and
profitability, the NPAs
have to be scheduled.
Various steps have
been taken by
government to reduce
the NPAs. This has led
todecline in the level of
NPAs of the Indian
banking sector. The
Indian banks should
take care to ensure that
they give loans to
creditworthy customers
only.
23. RESEARCH GAP
By reviewing the above literature it was found that a lot of studies have been conducted
on NPA management of Commercial Banks. But as per my best knowledge no
comparative study has been made between SBI and ICICI bank which are at present the
leading banks of India.
Justification and Relevance of the Study
NPAs reflect the performance of the banks. Higher level of NPA means high probability of
credit defaults and it adversely affect the profitability and the net worth of the bank.
In present time increasing NPA is the critical issue in Indian banking sector. Because of
which banks face the problem of declining profitability, liquidity problems, reduction in
capital assets and lending limits. It will attract unexpected attention and interference
from the government.
During last 10 yrs steps have been taken by government and RBI to reduce NPA but their
efforts have not given any remarkable result .
24. It will be helpful to the following :
Public and Private Sector Bank
It will help to know the trends of NPAs of Bank in competition. It will help to know their weak point &
strong point.
Investors
As NPAs affect asset quality, this influences the net profit of banks which in turn affects the prices
of there stock and return to investors.
Researcher
The research will prove informative for academicians, students and reader interested in knowing
about the NPAs of Public & Private Sector Banks.
25. OBJECTIVES OF THE STUDY
Following are the main objectives:-
To identify and analyze the trends of Loans and Advances of SBI and ICICI Bank.
To describe the cause and factors which are responsible for non recovery of Loan .
To evaluate the asset quality of banks.
To suggest improvement in monitoring and reducing the NPA.
To make suggestions for better management of NPA.
26. HYPOTHESIS:
The following are the hypothesis of the proposed
study:
Ho1 = There is no significant association between Amount of
NPA and Loan Sanctioned.
Ho2 = There is no significant association between Amount of
NPA and Loan Outstanding .
27. RESEARCH DESIGN
A research design is the "blue print" of the study. It is the framework that has been
created to seek answers to research questions. . This research is an Exploratory and
Descriptive research study. It consists of enunciating the problem, formulating a
hypothesis, collecting the facts or data, analyzing the facts and reaching certain
conclusions.
Universe
Public and Private Sector Banks in India have been taken as universe.
Scope of the Study
Scope of study is confined to Public and Private sector banks. For the study Public
Sector Bank :SBI and Private Sector Bank : ICICI have been taken . The study will cover
a period of five years from 2010-11 to 2014-15 and will examine the management of
NPAs as well.
28. Primary Data - Will be collected through Structured Questionnaire which will be filled by
bank officials of SBI and ICICI bank .
Secondary data – Will be collected through Annual Reports , Journals.
Sample Size
Data will be collected through annual reports and by 100 structured questionnaires.
COLLECTION OF DATA
Banks Number of Bank Officials
SBI
ICICI
50
50
Total 100
29. Sampling Method
In this study Purposive Sampling will be used. In Purposive Sampling units from a pre-specified
group sought out are sampled. The main goal of Purposive Sampling is to focus on particular
Characteristics of a population that are of interest, which will best enable us to answer the research
questions.
Plan of Work and Methodology
Methodology of the research indicates the tools and techniques used for undertaking the research
study. For the purpose of evaluating the NPAs of both the banks techniques of statistics and financial
analysis will be used.
30. Tools for Data Analysis
Both statistical and financial tools will be applied in order to support the hypothesis
and derive suitable conclusions. The analysis will be supported by various tables and
charts
The following tools will be used:
1. Ratio Analysis
2. Time Series Analysis
3. Statistical Averages
4. Measures of Dispersion
5. Correlation
6. Z Test
31. LIMITATIONS OF THE STUDY
1. Financial data collected for the present study will be primary and secondary both in
nature. In such a case, the study carries all the limitations inherent with the primary and
secondary data.
2. The data is related to five years only (i.e.2010-2014)
3. The study concerned only on Non-performing assets and related issues .
4. The time available was limited so fundamental analysis has been done only for
two Banks.
Chaperisitation
Chapter 1 : Introduction
Chapter 2: Brief history and development of Banks
Chapter 3: Research Methodology
Chapter 4: Analysis & Interpretation
Chapter 5: Conclusion and Suggestions
32. References
Articles
Narula S., Singala M.(2014),”Empirical Study on Non Performing Assets Of Bank” International
Journal of Advance Research in Computer Science &Management Studies; Volume 2,Issue 1, ISSN
No. 2321-7782,PP.194-198
Panery H.J.(2014)“A Comparative Study of Non Performing Assets In Selected Nationalized Banks
In India”Indian Journal of Applied Research;Volume 4, Issue 12,ISSN No. 2249-555X,PP.295-298
Pasha M.A.& SrivenkataramanaT.(2014),“Non Performing Assets of Commercial Banks – A Critical
Evaluation ” DHARANA - International Journal from MP Birla Institute of Management;Volume
8,ISSN No. 0974-0082,PP.03-09
Samir ,Kamra Deepa.(2013),”A Comparative Analysis of Non Performing Assets of Selected
Commercial Banks in India “International Journal of Management; Volume 3, No. 1, ISSN No. -2277-
5470,PP.68-80
Srinivas K T (2013),”A Study on Non Performing Assets of Commercial Banks in India” International
Monthly Journal of Research in Management and Technology ; Volume II, ISSN No. -2320-0073
Ganeshan D, Santhanakrishnan R (2013),”Non Performing Assets: A Study of State Bank of India
“Asia Pacific Journal of Research ; Volume I, Issue 10,ISSN No. -2320-5504, PP.81-88
H.S. Shalini (2013),” A Study on Causes and Remedies for Non Performing Assets in Indian Public
Sector Banks with Special Reference to Agricultural Development Branch , State Bank of Mysore “
International Journal of Business and Management Invention; Volume 2, Issue 1, ISSN No. 2319-
80IX, PP.-26-38
33. Selvarajan B &Vadivalagan G(2013) , “A Study on Management of Non Performing Assets in
Priority Sector “Global Journal of Management and Business Research; Volume 13,Issue 1, ISSN
No. -2249-4588,PP.-101-113
Singh A (2013), “Performance of Non Performing Assets in Indian Commercial Banks “
International Journal of Marketing Financial Services & Management Research ; Volume 2, No.9,
ISSN No. -2277-3622,PP.86- 94
Manjule R. R. (2013), “Non Performing Assets – A Challenge for Indian Public Sector Banks”
Researchjournali’s Journal of Finance; Volume 1,No. 2, ISSN No. -2347-8217
Chatterjee C., Mukherjee J.& Das R. (2012), “Management of Non Performing Assets- A Current
Scenario “ International Journal of Social Science & Interdisciplinary Research ; Volume 1, Issue
11, ISSN No. 2277-3630, PP.204-214
Balasubramanium C.S. (2012) “Non Performing Assets And Profitability Of Commercial Banks in
India : Assessment and Emerging Issues “ National Monthly Referred Journal Of Research in
Commerce & Management; Volume 1 , Issue 7, ISSN No. 2277-1166, PP.41-52
Rajput N., Gupta M. & Chauhan A.K. (2012), “Profitability and Credit Culture of NPAs: An Empirical
Analysis of PSBs.” International Journal of Marketing, Financial services and Management
Research; Volume 1, Issue 9, ISSN: 2277-3622, PP. 91-109
Rajput N., Arora A.& Kaur B.(2011), “Non Performing Assets in the Indian Public Sector Banks”
Bank & Bank Systems ; Volume 6, Issue 4, ISSN No. 1816-7403 , PP. 84-89
Kaur H.& Saddy N.k.(2011), “A Comparative Study of Non Performing Assets of Public &Private
Sector Banks “ International Journal of Research in Commerce & Management; Volume 2, Issue
9,ISSN No. 0976- 2183,PP. 82-89
34. Books
Bidani S.N. (2002), “Managing Non-Performing Assets in Banks”, Vision
books pvt. Ltd., India, PP.1-192
Jain V. (2007), “Non-Performing Assets in Commercial Banks.” Regal
Publications; New Delhi, PP. 1-336
Webliography
www.abhinavjournal.com
www.iijbmi.org
www.ijemr.net
www.indianresearchjournals.com
www.rbi.org.in
35. Questionnaire
Name Of The Employee –
Name Of The bank-
Service Period –
1. Since how long NPA is being observed in your region .
0-1
1-2
2-5
Above 5 years
2.For which category NPA is noticed .
Personal loan
Housing loan
Agriculture loan
All of them
3.How will you rank the following as cause of NPA.
Lack of monitoring
Willful defaulters
Mismanagement of funds by borrower
Delay in lagal proceedings
4.Who do you think are the main defaulters responsible for NPAs.
Small borrowers
Mediaum borrowers
Large borrowers
36. 5. Do you think sometime there is political pressure on banks to sanction loans to undeserving borrowers for non
viable projects .
Yes
No
Cannot say
6.Do you think wait and watch approach of banks( ie. Allowing the asset from going bad to worse situation) is
responsible upto an extent .
Yes No
May be
Cannot say
7.In your opinion what is the trend of NPA in your bank.
Highly decreasing
Slowly decreasing
Constant
Slowly increasing
Highly increasing
8.Measures for recovery of NPAs adopted by bank .
Legal
Legal & Illegal
Cannot say
37. 9. How will you rank following steps for recovery of NPA.
Caution and care during loan processing
Strengthening of recovery cell
Monitoring of performing asset
Out of court settlement
Vigorous follow up at branch level
10.To what extent NPA has been converting into good asset .
<20%
20%-30%
30%-40%
>40%
Cannot say
11. Has profitability increased after adopting reduction technique .
Yes
No
Cannot say
12. Who do you think will play major role in lowering NPAs through legal
mechanisms.
RBI
Government
Banks
