Npa
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The document analyzes non-performing assets (NPAs) at State Bank of India over 5 years using ratio analysis of secondary data. Gross NPAs peaked at 11% in 2018 while net NPAs peaked at 6% that year. Suggestions include SBI taking more care in granting advances and addressing its high net NPA ratio. The conclusion is that NPAs are a major problem for Indian banks and banks should focus on good assets by considering internal and external factors.
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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
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This document presents a fundamental analysis of the banking sector in India. It analyzes key metrics like net interest margin, net interest income, capital adequacy ratio, and non-performing assets for several major public and private sector banks from 2013-2015. The analysis finds that private banks generally had higher net interest margins but higher non-performing assets than public sector banks. It concludes that while the banking sector size is increasing, high interest rates and low investor confidence have led to shrinking growth.
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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
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This document discusses NPAs (non-performing assets) of cooperative banks in India. It provides background on the Punjab State Cooperative Bank and types of cooperative banks. The objectives of the study are to understand what NPAs are, reasons for their emergence, and tools for managing them. Data is presented showing increasing NPA ratios from 2009-2012 at the cooperative bank. Reasons for rising NPAs include inflation, agricultural issues, and ineffective recovery systems. The document suggests that cooperative banks must evaluate borrowers' financial capacity, adopt new technologies, and provide staff training to improve their NPA position.
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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.
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This document appears to be a project report submitted for a Master's degree. It analyzes the non-performing assets of financial institutions in India. The study compares the NPAs of a cooperative bank, public sector bank, and private sector bank from 2010-2014. It finds that the cooperative bank has the highest NPA ratio compared to advances and net profit. Most NPAs are in the agricultural sector and among female borrowers aged 35-50. The report provides suggestions for reducing NPAs, such as better screening of loan applicants and monitoring of loans. It concludes that controlling NPAs is important for the strength and competitiveness of India's banking system.
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Non Performing Assets Management of Kerala Financial Corporation (KFC)Vivekanandha College of arts and Science for Women (Autonomous)
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This document is a project report on non-performing assets (NPAs) in Indian commercial banks. The primary objectives are to study the challenges faced by public and private sector banks with NPAs and analyze the NPA position of selected banks. Secondary objectives are to understand what NPAs are, their underlying causes, and their impacts on bank operations. The report finds that NPAs are increasing yearly for all commercial banks due to rising loan amounts. It provides data on the gross NPAs and percentages for various public sector banks in 2013-14, with one bank having the highest gross NPAs and another having the highest NPA percentage. The report recommends actions like securitization, improved staff training, and motivating delinquent customers to reduce
Financial Performance Analysis of Bank of Bhutan Limited using Regression Ana...
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
Redefining Globalization: Can Asia Lead the World..?
The document discusses mergers and acquisitions in Asian banking and their potential role in global leadership. It notes increasing global risks and argues Asia needs stronger regional governance. The research examines the impact of ICICI Bank mergers on financial performance and non-performing assets. Key findings show mergers generally improved metrics like return on assets and equity but also increased loan to deposit ratios and non-performing assets in some cases. The conclusion states Asia requires larger banks through mergers to strengthen regional legitimacy and governance but still needs to do more to effectively lead the world.
A study on npa of SBI
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...
This document analyzes the non-performing assets (NPAs) of public sector banks in India over the past 5 years, from 2011-2012 to 2015-2016. It ranks 24 public sector banks based on their average gross NPAs and net NPAs over this period. State Bank of Travancore, State Bank of Mysore, and Punjab & Sind Bank had the lowest combined ranks of gross and net NPAs, while Bank of India, Punjab National Bank, and State Bank of India had the highest combined ranks. The document also finds a high correlation between the gross NPAs of different banks, indicating that factors affecting NPAs are similar across banks.
ANALYSIS OF NON PERFORMING ASSETS IN PUBLIC SECTOR BANKS OF INDIA
The Banks being the mobiliser of finances of different sectors of economy, are expected to be
strong enough to withstand the shocks like inflation, depression etc. and to cushion the other
financial Institutions along with industries and common people against financial crisis. The Public
Sector Banks having a large stake of the Government in their Capital structure are preferred by the
commoners often. In this context, this paper tries to depict both the Gross Non Performing Asset
and Net Non Performing Asset position of Public Sector Banks in India and attempts to find
whether there is any significant difference among them. This paper also tries to show the impact of
GNPA on Net Profit of the selected banks for the last 5 years..
Equity research report (1)
In this project, I have covered the trend analysis of different banks and NBFC'S on the basis of different parameters. The total project concludes with buy and sells option for the firms according to the resistance and support level and the price at which they have to trade.
IRE 1702767 PAPER STUDY ON NON PERFORMING ASSETS OF PUBLIC SECTOR BANKS.pdf
DR BHADRAPPA HARALAYYA PROFESSOR AND HOD,
DEPARTMENT OF MBA,
LINGARAJ APPA ENGINEERING COLLEGE BIDAR
Non performing-assets-management-of-kerala-financial-corporation-kfc
Non performing-assets-management-of-kerala-financial-corporation-kfcVivekanandha College of arts and Science for Women (Autonomous)
The primary function of financial institution’s to lend funds as loans to various sectors such as agriculture, industry, personal loans, housing loans etc., in recent times the institutions have become very cautious in extending loans. The reason being mounting non-performing assets (NPAs). An NPA is defined as a loan asset, which has ceased to generate any income for a bank whether in the form of interest or principal repayment. In order to study the menace of NPA, Kerala Financial Corporation (KFC) the premier institution which provides long term finance for industrial enterprises and assistance to the sick units for the rehabilitation purpose has been selected. NPA is a serious problem faced by KFC. Non- performance in a loan asset is the bane of the financial institutions in India. It is the universal problem and can cripple the economy of any nation. Mounting non-performing assets in a banking sector was the main reason for the financial crisis in the South East Asian countries. The Net NPA of KFC as per the records shows a declining trend. There is a tendency among the beneficiaries of the corporation to delay repayment of the loans and some percentage of these payments also turns into bad debts. The NPA and loans and advances are negatively correlated. It shows that while the amount of loan increases over the years, NPA shows a declining trend. The total amount of loan increased year by year, because corporation introduces variety of new loan schemes.Non Performing Assets Management of Kerala Financial Corporation (KFC)
Non Performing Assets Management of Kerala Financial Corporation (KFC)Vivekanandha College of arts and Science for Women (Autonomous)
The primary function of financial institution’s to lend funds as loans to various sectors such as agriculture, industry, personal loans, housing loans etc., in recent times the institutions have become very cautious in extending loans. The reason being mounting non-performing assets (NPAs). An NPA is defined as a loan asset, which has ceased to generate any income for a bank whether in the form of interest or principal repayment. In order to study the menace of NPA, Kerala Financial Corporation (KFC) the premier institution which provides long term finance for industrial enterprises and assistance to the sick units for the rehabilitation purpose has been selected. NPA is a serious problem faced by KFC. Non- performance in a loan asset is the bane of the financial institutions in India. It is the universal problem and can cripple the economy of any nation. Mounting non-performing assets in a banking sector was the main reason for the financial crisis in the South East Asian countries. The Net NPA of KFC as per the records shows a declining trend. There is a tendency among the beneficiaries of the corporation to delay repayment of the loans and some percentage of these payments also turns into bad debts. The NPA and loans and advances are negatively correlated. It shows that while the amount of loan increases over the years, NPA shows a declining trend. The total amount of loan increased year by year, because corporation introduces variety of new loan schemes.MMS Project
This document is a project report submitted by Khandagale Devram Rishabh to VIVA Institute of Management & Research in partial fulfillment of the degree of Master of Management Studies. The project report analyzes the fundamental analysis of the banking sector of SBI and HDFC Bank through studying their history, products/services, market share, balance sheets, and profit and loss statements over two years. It also performs ratio analysis and comparison between the two banks. The objective is to fundamentally analyze the banking sector companies.
RESEARCH.docx
The document compares financial performance indicators between Punjab National Bank (PNB) and HDFC Bank over a 5-year period from 2017 to 2021. It analyzes growth in key metrics such as net profit, net assets, return on assets (ROA), and non-performing assets (NPA). The summary shows that HDFC Bank outperformed PNB on most measures, with higher ROA, positive net profit growth, and lower NPA ratios compared to PNB's negative net profit growth and higher NPA ratios.
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NPA’s Impact on Financial Performance of Public Sector Banks
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STUDY ON PERFORMANCE OF FOREIGN BANKS IN INDIA.pdf
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EFFECT OF NON-PERFORMING ASSETS (NPA) ON PERFORMANCE OF COMMERCIAL BANKS IN I...
EFFECT OF NON-PERFORMING ASSETS (NPA) ON PERFORMANCE OF COMMERCIAL BANKS IN I...
Financial Performance Analysis of Bank of Bhutan Limited using Regression Ana...
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ANALYSIS OF NON PERFORMING ASSETS IN PUBLIC SECTOR BANKS OF INDIA
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IRE 1702767 PAPER STUDY ON NON PERFORMING ASSETS OF PUBLIC SECTOR BANKS.pdf
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Non performing-assets-management-of-kerala-financial-corporation-kfc
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Non Performing Assets Management of Kerala Financial Corporation (KFC)
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Pm
Performance appraisal involves evaluating an employee's overall contribution in the past, while performance management is an ongoing process of planning, monitoring, and evaluating employee objectives and contributions. Performance appraisal focuses on individual performance and mistakes, has an individualistic perspective, and is rigid, while performance management focuses on growth, has a holistic perspective, and is flexible.
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Chapter21 projectmanagement
The document discusses project management and outlines several key aspects:
1. It describes three forms of project organization: line and staff, divisional, and matrix.
2. It covers various aspects of project planning including work breakdown structure, project life cycle, planning tools like bar charts and network techniques, and hierarchy of plans.
3. It discusses project control through performance analysis using terms like budgeted cost for work scheduled and actual cost of work performed.
Chapter20 venturecapitalandprivateequity
Venture capital (VC) funds provide financing to young private companies that are not ready or willing to tap public financial markets. VC investments involve high-growth potential businesses with medium- to long-term horizons, high risks and returns, and active post-financing involvement. The VC appraisal process emphasizes management team assessment, strategic strengths, and liquidity potential. Valuation converts projected performance into equity stakes. Deal structuring chooses funding instruments and terms. Post-financing agreements define investor rights and controls. Current concerns in India include competition, valuations, economic uncertainty, contract enforcement, and manager shortages.
Chapter19 financinginfrastructureprojects
This document provides an overview of private financing of infrastructure projects in India. It discusses how infrastructure projects are typically structured, with a special purpose vehicle (SPV) established to implement the project. Key project parties and contractual agreements governing the project are described. Power and telecommunication projects are used as examples to illustrate typical financial structures and risks. Private-public partnerships (PPPs) are also discussed as a model for infrastructure development in India given the large funding needs and involvement of the private sector. The document emphasizes the importance of PPPs for meeting India's infrastructure gaps and expanding economic growth.
Chapter18 financingofprojects
The document discusses various sources of financing for projects including internal accruals, equity capital, preference capital, debentures, term loans, working capital advances, and miscellaneous sources. It compares the differences between equity and debt financing and lists key factors for determining an appropriate debt-to-equity ratio. Specific financing methods like initial public offerings, rights issues, private placements, and bond offerings are outlined. International financing options through eurocurrency loans, eurobonds, and global depository receipts are also summarized.
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Managerial decisions are often based on intuition and gut feelings rather than explicit analysis. Judgment is influenced by both quantifiable and intangible factors like information quality, reputation, politics, and even superstition. Strategic planning and capital budgeting processes can differ in their objectives, types of analysis used, and treatment of quantifiable vs intangible factors. Informational asymmetries between managers, shareholders, and bondholders can also lead to distortions in investment decisions. Efforts are needed to bridge the gaps between strategic planning and financial analysis.
Chapter16 valuationofrealoptions
The document discusses the valuation of real options. It begins by explaining that the discounted cash flow model does not fully capture the value of real projects due to embedded options like timing, expansion, contraction, and flexibility options. The strategic NPV of a project equals the conventional NPV plus the real option value. It then provides an overview of option valuation models like the binomial model and Black-Scholes model, and discusses how they can be applied to value different types of real options.
Chapter15 multipleprojectsandconstraints
- Because of constraints like project dependencies, capital rationing, and project indivisibility, investment projects cannot be viewed in isolation. Two common approaches used to evaluate multiple projects are the method of ranking and mathematical programming.
- The method of ranking ranks projects by their NPV, IRR or BCR but has problems like conflict in rankings between criteria and inability to handle project indivisibility.
- Mathematical programming models like linear programming, integer linear programming and goal programming formulate the problem as an objective function subject to constraints, allowing complex project interdependencies and capital rationing to be incorporated.
Chapter14 socialcostbenefitanalysis
The document discusses social cost benefit analysis (SCBA) and outlines the UNIDO and Little-Mirrlees approaches. The UNIDO approach involves 5 stages: 1) calculating financial profitability, 2) obtaining net benefits in economic prices, 3) adjusting for savings impact, 4) adjusting for income distribution impact, and 5) adjusting for merit and demerit goods. Shadow pricing is used to calculate economic prices and consider externalities, taxes, and subsidies. The Little-Mirrlees approach also uses shadow pricing and considers equity, with costs and benefits measured in uncommitted social income rather than rupees.
Chapter13 specialdecisionsituations
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Chapter12 projectrateofreturn
This document discusses project rate of return and capital budgeting techniques. It covers several topics in 3 paragraphs or less:
1) It discusses the pros and cons of using multiple discount rates versus a single discount rate for capital budgeting. While multiple rates are conceptually better, most firms use a single rate for simplicity and to reduce influence costs.
2) It provides steps for calculating a project's required rate of return, including determining comparable firm betas, adjusting for financial leverage, and calculating WACC.
3) It notes that firms often use a hurdle rate higher than WACC to provide incentives for better projects and account for overly optimistic forecasts. A survey found 51% use risk-adjusted rates and 59
Chapter11 projectriskanalysis
This document discusses techniques for analyzing risk in project management, including sensitivity analysis, scenario analysis, break-even analysis, simulation analysis, decision tree analysis, and the Hillier model. It provides examples and explanations of how to perform each technique. Key steps include identifying uncertain variables, defining possible outcomes and assigning probabilities, calculating net present value under different scenarios, and evaluating decision alternatives based on expected monetary values. The goal of risk analysis is to assess how uncertainty may impact project objectives and determine the best course of action.
Chapter10 thecostofcapital
This document discusses methods for calculating the cost of capital, including the cost of debt, equity, and preference shares. It outlines the Capital Asset Pricing Model (CAPM) approach for estimating the cost of equity, as well as other methods like the dividend yield plus risk premium approach and the dividend discount model. It also discusses how to calculate the weighted average cost of capital (WACC) using target capital structure weights. Additionally, it notes some issues that companies face in estimating their cost of capital and common misconceptions about the concept.
Chapter9 projectcashflows
The document discusses key concepts for estimating and analyzing project cash flows including: the elements of a cash flow stream; principles for cash flow estimation such as separation, incremental, post-tax, and consistency; perspectives to view cash flows from; and biases that can impact cash flow forecasting. Accurately estimating cash flows is important but difficult, and requires coordinating across departments while following principles and addressing inherent biases to produce reliable forecasts.
Chapter8 investmentcriteria
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Chapter7 thetimevalueofmoney
The document discusses concepts related to the time value of money, including formulas for calculating future value and present value. Specifically, it provides formulas for calculating the future and present value of single amounts, annuities, perpetuities, and growing annuities. It also discusses concepts like effective interest rates, loan amortization schedules, and the relationship between nominal and effective rates for different compounding periods.
Chapter6 financialestimatesandprojections
This document outlines the key financial information needed to evaluate a project, including: cost of project, means of financing, sales and production estimates, cost of production, working capital requirements and financing, profitability projections, cash flow statements, and balance sheets. It describes how to estimate each item, such as assuming gradual increases in capacity utilization for sales projections and including material, labor, utilities and overhead costs for cost of production. The working capital needs and sources of financing like bank loans are also addressed. Multi-year financial projections of profits, cash flows and balances sheets using this information are demonstrated through sample exhibits.
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Npa
- 1. AN RATIO ANALYSIS OF NON PERFORMING ASSETS IN STATE BANK OF INDIA OBJECTIVES To understand the concept of NPA. To identify the causes of NPAs in Indian banking system. To study the role of NPA in banking sector. RESEARCH METHODOLOGY Source of Data :secondary data Tools: ratio analysis period of study:5yrs Table showing Gross & Net npa years Gross npa Net npa 2015 4.00% 2.00% 2016 7.00% 2.00% 2017 7.00% 4.00% 2018 11.00% 6.00% 2019 8.00% 3.00%
- 2. AN RATIO ANALYSIS OF NON PERFORMING ASSETS IN STATE BANK OF INDIA FINDINGS Gross npa (2019): 8% Net npa (2019): 3% SUGGESTIONS SBI need to take more care and follow ideal norms of granting advances. Net NPA Ratio of state Bank of india is very alarming stage. CONCLUSION The NPA is one of the biggest problems that the Indian Banks are facing today According to this project I came to know that from the analysis of NPA. So the banks should focus on good assets in the coming years by taking care internal as well as external factors.