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Author: Dr. Vibha Jain
Publisher:
Published: 2007
Total Pages: 362
ISBN-13:
DOWNLOAD EBOOKContents Include : Introduction; Npa Concept And Prudential Norms; Trends Of Non-Performing Assets; Prevention Of Non-Performing Assets; Management Of Npas; Npa Management In Perspective; Annexure.
Author: J. U. Ahmed
Publisher: MD Pub Pvt Limited
Published: 2008-12-10
Total Pages: 0
ISBN-13: 9788175331464
DOWNLOAD EBOOKThe liberalization of financial sector in India is exposing Indian commercial banks in a new economic environment that has characterized by increased competition and new regulatory requirements.The paradign shift of attitude of finacial institutions towards the short term financing has also changed the complexion of scheduled commerical bank.The growing competition and sluggish growth in economy coupled with poor credit deposit ratio, the large volume of non-performing assets in the balance sheet and lack of automation and professionalization in operation have been flaring up the banking situation in the economy.The level of non-performing loans is recognised as an indicator for assessing banks credit risk,asset quality and efficiency in allocation of resources to productive sectors.The committee on financial system has expressed concern over the erosion in the quality of assets of which non-performing advances constitutes the bulk.The fund lock up in NPAs is not available for productive use.The present book is an attempt to diagnose assest quality and level of non performing assets of commercial banks with refernce to backward region.
Author: Dr R. K. Sant
Publisher: Lulu.com
Published: 2017-04-22
Total Pages: 82
ISBN-13: 1365904814
DOWNLOAD EBOOKManaging NPAs (Non-Performing Assets) is one of the most important and difficult areas for Indian banking industry. Reduction of level of NPAs is the most Challenging task for banks because it reduces the profitability and operations. Due to increasing levels of NPAs in banks, they are required to maintain high levels of provisions for NPAs, which creates problems in, future leading operation of banks.
Author: T. V. Gopalakrishnan
Publisher: Northern Book Centre
Published: 2004
Total Pages: 220
ISBN-13: 9788172111823
DOWNLOAD EBOOKThe book deals with the problem of Non-Performing Advances (NPAs) in public sector banks and its impact on the banks' books, banking and financial system of the economy. Recognizing the inevitable and festering nature of the problem, the author has come out, inter alia, with a statistical model as an innovative, simple and practical solution to contain NPA formation to ensure a strong balance sheet for banks and improved image of the borrowers. The author claims that the solution will prove to be a win-win situation for all stakeholders of banks including the economy, and its constituents Government, shareholders, depositors, borrowers, employees and others. Salient Features Changes brought about in banks under Banking Sector Reforms. • Emergence of NPAs in banks. • Problem of NPAs: Its causes and effects. • Performance of Public sector banks on management of NPAs. • Impact of NPAs on the economy, banks’ balance sheets and profit and loss accounts. • Suggestions to contain NPAs from the angles of banks, borrowers, Government, Regulator and others. • A Statistical Model developed to contain formation of NPAs, strengthen banks' balance sheets and develop an emotional rapport between banks and borrowers.
Author: Nalla Bala Kalyan
Publisher:
Published: 2020-03-03
Total Pages: 104
ISBN-13: 9789975341110
DOWNLOAD EBOOKAn asset of a bank (such as a loan given by the bank) turns into a Nonperforming asset (NPA) when it ceases to generate regular income such as interest etc for the bank. In other words, when a bank which lends a loan does not get back its principal and interest on time, the loan is said to have turned into an NPA. While NPAs are a natural fall-out of undertaking banking business and hence cannot be completely avoided, high levels of NPAs can severely erode the bank's profits, its capital and ultimately its ability to lend further funds to potential borrowers. Similarly, at the macro level, a high level of Nonperforming Assets means choking off credit to potential borrowers, thus lowering capital formation and economic activity. So the challenge is to keep the growth of NPAs under control. Clearly, it is important to have a robust appraisal of loans, which can reduce the chances of loan turning into an NPA. Also, once a loan starts facing difficulties, it is important for the bank to take remedial action. The study focus on Asset classification and trends of NPAs, compare sector wise NPAs during branch expansion, predict and analyze NPAs by Markov's transition matrix and its application to loan tracking, impact of NPAs on the profitability and productivity of banks, Recovery methods, loan administration activities and factors influencing NPAs from Banker's & Borrower's perspective in selected banks.
Author:
Publisher:
Published: 2022
Total Pages: 234
ISBN-13: 9789393674005
DOWNLOAD EBOOKAuthor: Venkataramanaiah Malepati
Publisher:
Published: 2016
Total Pages:
ISBN-13:
DOWNLOAD EBOOKThe present study emphasizes on the management of nonperforming assets in public sector commercial banks in India by covering asset classification norms, identification of non-performing assets, provisioning against advances etc. Public sector commercial banks provide finance to needy covering various sectors including priority, no-priority and public sectors. In this junction, the study is intended to trace the movements and recovery of non-performing assets in public sector commercial banks during 2006-2011 with the backdrop of financial crisis happened during 2008.
Author: Korada Jayaditya Sarma
Publisher:
Published: 2012-02
Total Pages: 84
ISBN-13: 9783848409501
DOWNLOAD EBOOKThis Book discusses the concept of non-performing assets, the evaluation of credit risk, its significance, the quantification and monitoring of credit risk, and the study of action plan to mitigate the non-performing assets. The term NPA is explained and classified into various sub categories. Then the discussion is followed by key topics like asset classification, internal system for classification of assets as NPA, originating factors for the NPAs, Vehicles for NPA recovery, restructuring/ rescheduling of loans, and impact of NPAs. We will also throw a light on the Basel Recommendations and their efficacy in mitigating the credit risk. We will touch upon issues like estimation of capital requirements, segmentation of retail portfolios, etc. during our journey. In the final stage we delve upon the analytical part relating to the trends in the performance indicators of SBI, their correlations and the impact of NPAs on the performance of bank. From our study we find that there has been an improvement in the credit quality of the portfolios and also a rise in the advances. This is a good phenomenon; it can be attributed to the restructuring policy of Reserve Bank of India.
Author: Theerthaana P.
Publisher: LAP Lambert Academic Publishing
Published: 2014-02-26
Total Pages: 52
ISBN-13: 9783659506673
DOWNLOAD EBOOK'Analysis on credit concentration risk and NPA in Bank's Portfolio' analyzes the credit portfolio composition of a large and medium sized commercial bank in India to understand the nature and dimensions of industry -wise credit concentration risk and also evaluates its influence on Non-Performing Assets of the banks. The required data for this study was collected from industry-wise loan exposures of Indian Overseas Bank and yearly NPAs of the bank. The industry-wise credit concentration risk for each year is calculated by using Herfindahl-Hirschman Index (HHI index). Multiple Linear Regression Analysis was run on SPSS 19.0 to quantify the relationship between the credit concentration risk and Non-Performing Assets of the commercial bank. The results indicate that there exists a strong positive relationship between the industry-wise concentration risk and NPA of the commercial bank. Hence it is highly desirable for the commercial banks to have a diversified portfolio in order to reduce their Non -Performing Assets.
Author: Yangdong Qin
Publisher:
Published: 2007
Total Pages: 140
ISBN-13:
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