Non Performing Assets: Bankers' Nightmare

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Banks face the menace of non performing assets because neither the borrowers nor the banks have the right tools to assess risks before lending, simply because no reliable tool exists worldwide as confirmed by the 2013 Nobel Economics Science Prize Committee

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Sci

Reserve Bank of
India - Financial
Stability Report
Dec 2013
http://rbi.org.in/Scripts/PublicationReportDetails.aspx?UrlPage=&ID=725

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Sci

Gross Non
Performing Assets – `
2.29 lakh crore vs. `
1.67 lakh crore, year
ago

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Sci

Recast loans at
all-time high `4
lakh crore (10.2%
of advances) as of
Sep 2013

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Sci

Discussion Paper on Early
Recognition of Financial
Distress, Prompt Steps for
Resolution and Fair Recovery
for Lenders: Framework for
Revitalising Distressed Assets
in the Economy
http://rbi.org.in/Scripts/PublicationReportDetails.aspx?ID=715

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Sci

.....says
• Increase in NPAs and restructured accounts
•
•
•

during recent years due to slowdown of the
economy.
Financially distressed assets also
deteriorate quickly in value.
Need to recognize financial distress early,
take prompt steps to resolve it, and ensure
fair recovery for lenders and investors, or
sale of unviable accounts.
Equal need for proper credit discipline
among lenders. That is, however, not the
focus of this Paper.

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Sci

Do Lenders Have the
Right Tools to Assess
Risk Before Lending ?

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Sci

Do Borrowers Have
the Right Tools to
Manage Risk?

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Sci

Rational
Investor

Vs.

Corporate
Finance

Chronic conflict = Financial Crisis

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies.

Financial Planning
Standards Board Ltd

Certified Financial
Planner Board of
Standards

Highest
Global
Standard

Financial planning
professionals help investors
make rational investment
decisions, promote long
term investment planning
aligned with defined goals.

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies.

Rational investors follow &
expect long term equity
returns linked to business
performance, not
speculative short term price

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies.

Long term planning
makes short term
volatility irrelevant
“ The riskiness of an investment is not
measured by beta but rather by the reasoned
probability of that investment causing its
owner a loss of purchasing power over his
contemplated holding period.”
period
Warren E. Buffett, Chairman, in a letter to Shareholders of
Berkshire Hathaway, February 25, 2012

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

Jan,1990 to Feb,2014
Berkshire
Hathaway

The Result

Dow Jones
Index

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

What Corporate
Finance Prescribes
“the opportunity cost of capital depends
on the project’s beta. ...Siemens, a
Siemens
German industrial giant, uses 16
different discount rates, depending on
rates
the riskiness of each line of its business.”
Fundamentals of Corporate Finance, 3rd edition, ISBN 0-07553109-7, Richard A. Brealey, Stewart C. Myers, Alan J.
Marcus, Stephen A. Ross, Randolph W. Westerfield, Bradford
D. Jordan, pages 421-423.

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

Feb,2004 to Feb,2014

The Result

Siemens

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

Neither the ‘short-term’
nor ‘beta’ are relevant
for ‘opportunity cost’ of
equity

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

Corporate financial
practice conflicts with
rational investor
expectations, breeds
‘Financial Crisis’
such as 2008

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

“....we do not yet have complete
and generally accepted
explanations for how financial
markets function......Mispricing
of assets may contribute to
financial crises”
crises
- 2013 Nobel Economic Sciences
Prize Committee

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

Raises questions,
‘Financial Economics’
never asked

Answers those,
‘Financial Economics’
never could

To prevent ‘FINANCIAL CRISIS’, and transform
‘Financial Management’ from a ‘Cultivated Art’
into a truly ‘Objective Science’

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

http://valueerodingfallacies.blogspot.in

Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

Mindstech Recruitments is a staffing agency that aims to be the best provider of high-quality employment opportunities. It uses knowledge management techniques and tools like head hunting to provide superior service to clients. Mindstech seeks to develop long-term strategic partnerships, provide world-class quality service, global solutions, and cost containment for partners. It offers permanent recruitment, executive search, partnered staffing, and contract staffing solutions across many industries.

Non Performing Assets - Banks

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This document discusses non-performing assets (NPAs) in banks, particularly public sector banks in India. It notes that NPAs occur when borrowers default on loan repayments of principal or interest, representing credit risk for banks. Growing NPAs negatively impact banks by reducing profits from interest income, increasing provisioning costs, and eroding capital resources. The rise in Indian public sector bank NPAs in recent years was attributed to the global recession and domestic economic slowdown impacting corporate and SME borrowers. Data showed thirty large companies owed over $2 billion to public banks, and gross NPAs as a percentage of advances have been trending upward, representing stressed assets that banks must address going forward.

Npa in indian banks

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This document discusses the management of non-performing assets (NPAs) by banks in India. It defines NPAs and categorizes them into substandard, doubtful, and loss assets. It outlines the provisioning norms required for each category. The document also discusses the factors that contribute to the growth of NPAs, their impact on bank operations, and the status of NPAs from 2005-2006. It describes various preventive measures taken by RBI and resolution methods used by banks to manage NPAs such as compromise settlements, restructuring, Lok Adalats, corporate debt restructuring, and SARFAESI Act.

Non performing assets in Banks

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A non-performing asset (NPA) is a loan or advance where interest or principal remains overdue for a period of 90 days. NPAs are categorized as substandard, doubtful, or loss assets based on how long they have remained non-performing. The Reserve Bank of India mandates minimum provisioning norms for each category - 0.25% for standard assets, 10-100% for substandard/doubtful assets depending on period outstanding, and 100% for loss assets. The document provides gross and net NPA figures for a bank for the year ended March 2011, along with movement in provisions.

Non performing assets

Krishna Kanth

This document compares the non-performing assets (NPAs) of State Bank of India and HDFC Bank for the years 2008-2012. It defines NPAs and outlines categories and provisioning norms. SBI had higher gross and net NPA ratios compared to HDFC Bank for all years. While SBI's gross NPA ratio ranged from 4.43% to 4.61%, HDFC Bank's ratio was lower at 1.02% to 1.05%. Similarly, SBI's net NPA ratio was between 1.63% to 1.82% versus 0.18% to 0.19% for HDFC Bank, indicating better asset quality and loan recovery rates at HDFC Bank. The document concludes with a

Npa final-report (1)

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This document appears to be a capstone project report submitted as a partial requirement for a Master's degree in Business Administration. The report focuses on studying non-performing assets in the Indian private banking sector. It includes chapters on introduction, literature review, research methodology, data analysis, findings, suggestions and conclusions. The introduction provides background on banking sector reforms in India and defines key terms like non-performing assets, different types of banks and beneficiaries of the study. The literature review summarizes past research on causes of bank failures and levels of non-performing loans. The document appears to analyze non-performing assets of private banks in India and provides recommendations.

Non Performing Assets

Aditya

The document discusses Non-Performing Assets (NPAs) in the Indian banking sector. It defines an NPA as an asset that ceases to generate income for the bank. It provides data showing that public sector banks had the highest NPA ratio in FY2010 at 2.27%, while foreign banks had the lowest at 4.26%. The criteria for classifying different types of loans as NPAs, including term loans, cash credits, project loans and more, are explained in detail. NPAs are further classified as substandard, doubtful or loss assets based on the period of delinquency. Banks are required to make provisions against NPAs as per RBI guidelines.

NPA

guest6dbeb7

The document discusses non-performing assets (NPAs) in the Indian banking system. It defines key NPA terms like gross NPA, net NPA, and standard, substandard, doubtful, and loss assets. It identifies causes of NPAs on both the borrower side, like lack of planning and fund diversions, and banker side, like defective sanctioning and slow decision making. It outlines RBI guidelines on NPA classification and provisioning requirements. Methods for recovering NPAs like Debt Recovery Tribunals, Lok Adalats, SARFAESI Act, and asset reconstruction companies are summarized.

This presentation discusses non-performing assets (NPAs) in the Indian banking sector. It defines NPAs as loans where interest or principal payments are overdue for more than 90 days. NPAs hurt bank profitability, liquidity, and capital adequacy. Common causes of NPAs include willful defaults, diversion of funds, and an inability to raise capital. While banks have taken measures to manage NPAs like quick identification and monitoring, NPAs remain a major concern as they affect asset quality and bank survival. Proper NPA management is essential for a healthy banking environment.

Non-Performing Assets (NPA)

Neha Chauhan

This document defines non-performing assets (NPAs) for banks and outlines how they are classified and provisions are made for them. It states that an asset becomes non-performing when it stops generating income for the bank. It was defined as a credit facility where interest or principal has remained past due for a specified period. This period was reduced over time to two quarters by 1995 and then a 90 day past due norm was adopted in 2004. The document also describes how NPAs are classified as substandard, doubtful or loss assets depending on how long they have been non-performing. It provides the classification categories and associated provisioning requirements. Trends in NPA levels across public and private sector banks in India are also presented

12. npa & recovery management

Ratnesh Ratn

This document discusses non-performing assets (NPAs) in banks. It notes that NPAs are loan accounts that do not generate income for the bank. Common causes of NPAs include poor selection of borrowers, lack of timely support, and failure to monitor loans. The document outlines the classification standards for NPAs as standard, sub-standard, doubtful, and loss. It also discusses various legal recovery mechanisms available to banks for recovering NPAs, including Debt Recovery Tribunals, SARFAESI Act, and sale of NPAs to asset reconstruction companies.

A study of non performing assets with special reference to icici bank

Shami Zama

The document discusses non-performing assets (NPAs) in the Indian banking system. It defines an NPA as a loan or advance that is overdue for repayment by 90 days or more. Key factors influencing NPAs include failure of borrowers to repay loans on time, resulting in losses for banks. High levels of NPAs negatively impact bank profitability. While some NPAs are inevitable, banks aim to maintain low NPA levels to remain sustainable. Various measures have been taken to reduce the growing problem of NPAs, but more work is still needed to effectively solve this issue facing the Indian banking sector.

Non-performing-assets-of-banks

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This document is a project report on comparing the non-performing assets of private and public sector banks in India. It includes an introduction describing the growth of NPAs in Indian banks and outlines the objectives of the study. The methodology section notes that descriptive and comparative research methods will be used, analyzing secondary data from selected private and public sector banks. The report appears to analyze trends in NPAs, attempt to identify reasons for high NPAs, and evaluate steps taken to manage and reduce NPAs.

NON PERFORMING ASSETS (NPA)

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Non Performing Assets (NPA)

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The document discusses non-performing assets (NPAs) in the Indian banking system. It defines NPAs and outlines the different categories of assets based on their performance - standard, sub-standard, doubtful, and loss assets. Gross and net NPAs are also defined. The rise of NPAs can be attributed to both internal and external factors. Banks employ both preventive and curative strategies to manage their NPAs, such as restructuring loans, pursuing debt recovery, and using asset reconstruction companies. Tables show trends in NPAs for public sector banks, private banks, and all scheduled commercial banks from 2006-2007 to 2010-2011.

Non performing assets causes and management

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Project report on NPAs

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The document discusses a project report submitted by Parneet Kaur for her MBA degree from Punjab Technical University. The report examines non-performing assets at the State Bank of Patiala branch in Bhadaur from June-July 2010. It includes certificates, declarations, prefaces, and outlines covering various chapters on concepts of NPAs, their impact on banks, prevention and management of NPAs, and research methodology.

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ijtsrd

Mutual fund is one of the important investment vehicles that offer good investment prospects to the investors. Mutual fund is a trust that pools the savings of various individuals by issuing units to them and then invests it in various securities such as shares, debentures and bonds as per stated objectives of the scheme. Today a wide variety of mutual fund schemes are available for the investors such as Open ended, Close ended, Interval, Growth, Income, Balanced, Equity Linked Saving Schemes ELSS and Exchange Traded Funds ETF , etc. These schemes are catering to the investors needs, risk and return tolerance The main aim of this paper is to know the performance of selected HDFC fund and comparative performance of HDFC Select fund schemes the return fund that mutual fund with an objective. The results found that HDFC Large cap fund is best performer in risk premium returns with high average returns with low risk. Other funds like liquid fund scheme money market scheme giving same performance. However, index fund scheme is better in terms of returns but not risk premium benefits however. Money market fund scheme is best risk premium giver but returns are low. M. Nandini | Dr. P. Viswanath "A Study on Performance of Selected Mutual Funds in HDFC Bank at Anantapur" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-6 | Issue-6 , October 2022, URL: https://www.ijtsrd.com/papers/ijtsrd51954.pdf Paper URL: https://www.ijtsrd.com/management/accounting-and-finance/51954/a-study-on-performance-of-selected-mutual-funds-in-hdfc-bank-at-anantapur/m-nandini

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The journal publishes original works with practical significance and academic value. All papers submitted to IJMRR are subject to a double-blind peer review process. Authors are invited to submit theoretical or empirical papers in all aspects of management, including strategy, human resources, marketing, operations, technology, information systems, finance and accounting, business economics, and public sector management.

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[4:55 p.m.] Bryan Oates OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people. Decoding job postings: Improving accessibility for neurodivergent job seekers Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.

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Non Performing Assets: Bankers' Nightmare

3. Reserve Bank of India - Financial Stability Report Dec 2013 http://rbi.org.in/Scripts/PublicationReportDetails.aspx?UrlPage=&ID=725 Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Sci

6. Discussion Paper on Early Recognition of Financial Distress, Prompt Steps for Resolution and Fair Recovery for Lenders: Framework for Revitalising Distressed Assets in the Economy http://rbi.org.in/Scripts/PublicationReportDetails.aspx?ID=715 Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Sci

7. .....says • Increase in NPAs and restructured accounts • • • during recent years due to slowdown of the economy. Financially distressed assets also deteriorate quickly in value. Need to recognize financial distress early, take prompt steps to resolve it, and ensure fair recovery for lenders and investors, or sale of unviable accounts. Equal need for proper credit discipline among lenders. That is, however, not the focus of this Paper. Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Sci

11. Financial Planning Standards Board Ltd Certified Financial Planner Board of Standards Highest Global Standard Financial planning professionals help investors make rational investment decisions, promote long term investment planning aligned with defined goals. Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies.

12. Rational investors follow & expect long term equity returns linked to business performance, not speculative short term price Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies.

13. Long term planning makes short term volatility irrelevant “ The riskiness of an investment is not measured by beta but rather by the reasoned probability of that investment causing its owner a loss of purchasing power over his contemplated holding period.” period Warren E. Buffett, Chairman, in a letter to Shareholders of Berkshire Hathaway, February 25, 2012 Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

15. What Corporate Finance Prescribes “the opportunity cost of capital depends on the project’s beta. ...Siemens, a Siemens German industrial giant, uses 16 different discount rates, depending on rates the riskiness of each line of its business.” Fundamentals of Corporate Finance, 3rd edition, ISBN 0-07553109-7, Richard A. Brealey, Stewart C. Myers, Alan J. Marcus, Stephen A. Ross, Randolph W. Westerfield, Bradford D. Jordan, pages 421-423. Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

17. Neither the ‘short-term’ nor ‘beta’ are relevant for ‘opportunity cost’ of equity Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

18. Corporate financial practice conflicts with rational investor expectations, breeds ‘Financial Crisis’ such as 2008 Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

19. “....we do not yet have complete and generally accepted explanations for how financial markets function......Mispricing of assets may contribute to financial crises” crises - 2013 Nobel Economic Sciences Prize Committee Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

20. Raises questions, ‘Financial Economics’ never asked Answers those, ‘Financial Economics’ never could To prevent ‘FINANCIAL CRISIS’, and transform ‘Financial Management’ from a ‘Cultivated Art’ into a truly ‘Objective Science’ Copyright 2014- Rajesh D. Mudholkar, Author 'The Timeless Essence of Financial Science', http://valueerodingfallacies

Non Performing Assets: Bankers' Nightmare

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