Managing Non Performing Assets In Indian Public Sector Banks

Author : Sk Mujibar Rahaman
Publisher : Exceller Books
ISBN 13 :
Total Pages : 189 pages
Book Rating : 4./5 ( download)

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Download or read book Managing Non-Performing Assets in Indian Public Sector Banks written by Sk Mujibar Rahaman and published by Exceller Books. This book was released on 2022-09-30 with total page 189 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book provides a comprehensive coverage of a burning issue faced by the banking industry in India, namely, the problem of Non-Performing Assets (NPAs). The book elucidates the theoretical exposition of NPAs in the first instance. It also demystifies the trends in movement of NPAs and thereby expounds efficiency in NPA management by Public Sector Banks, PSBs, in India. Recognising the inevitable and festering nature of the problem, the author has come out, inter alia, with a data-driven approach to measure financial performance and thereby assessed impact of the problem on different performance areas of banks. The book also investigates the major factors causing the problem of NPAs of the Indian PSBs. Finally, the author provides certain recommendations for the banks and the government that can help manage NPAs and strengthen the banking industry in the country.

Author : Dr R. K. Sant
Publisher : Lulu.com
ISBN 13 : 1365904814
Total Pages : 82 pages
Book Rating : 4.13/5 ( download)

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Download or read book “Managing Non Performing Assets by Public Sector Banks” written by Dr R. K. Sant and published by Lulu.com. This book was released on with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : T. V. Gopalakrishnan
Publisher : Northern Book Centre
ISBN 13 : 9788172111823
Total Pages : 220 pages
Book Rating : 4.27/5 ( download)

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Download or read book Management of Non-performing Advances written by T. V. Gopalakrishnan and published by Northern Book Centre. This book was released on 2004 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 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 : Goutam Bhowmik
Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783843370394
Total Pages : 188 pages
Book Rating : 4.97/5 ( download)

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Download or read book Management of Non-Performing Assets in the Indian Public Sector Banks written by Goutam Bhowmik and published by LAP Lambert Academic Publishing. This book was released on 2010-11 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: The occurrence of NPAs has been the single most vexing problem faced by the Indian Public Sector Banks (PSBs). In view of several adverse effects of NPAs both on banking and overall economy, the management of NPAs has become a crucial issue.Efforts of RBI & Govt.of India, however, seems to be inadequate. The present work, therefore, examined a number of relevant issues w.r.t management of NPAs in the PSBs with special reference to largest commercial bank, State Bank of India (SBI). Apart from discussing the means and strategies of managing NPAs in PSBs & SBI, the work provided a theoretical framework relating to NPAs and history of PSBs.It also covered areas like, NPA management framework in pre-reform period, NPAs in the priority sector and non priority sector lending, accounting and disclosure of NPAs, reduction of NPAs in Private Sector Banks and PSBs, etc. The work should help to provide an in-depth knowledge about the meaning, nature, causes, problems, progress and implication of one of the vexing problems of banking sector. The work would be useful to the academicians and professionals or anyone who have keen interest in the field of accounting, finance, banking and management

Author : Dr Preeti Sharma
Publisher :
ISBN 13 :
Total Pages : 15 pages
Book Rating : 4.96/5 ( download)

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Download or read book A Study of Non Performing Assets Management with Reference to Select Indian Public Sector Banks and Private Sector Banks written by Dr Preeti Sharma and published by . This book was released on 2017 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: The asset quality of banks is one of the most important indicators of their financial health. It also reflects the effectiveness of banks' credit risk management and the recovery environment. It is important that the signs of distress in all stressed accounts are detected early and those which are viable are also extended restructuring facilities expeditiously to preserve their economic value. (RBI/2012-13/208). The Indian banking sector has been facing severe problems of raising Non- Performing Assets (NPAs). The NPAs growth directly affects the profitability of banks. The problem of NPAs is not only affecting the banks but is affecting the economy as a whole. In fact high level of NPAs in Indian banks is nothing but a reflection of industry and trade. NPA do not generate any income, whereas, the bank is required to make provisions for such as assets. (Olekar and Talawar, 2012). NPAs do not just reflect badly in a bank"s account books, they adversely impact the working of economy. 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 select public sector and private sector banks and attempts to compare analyze and interpret the NPA management from the year 2010 -2015. On the conceptual side, it gives an overview of NPA, various types of NPA and its cause. The tools used in the study are Least square method and ANOVA. The findings reveals the percentage of Gross NPA to Gross advances is increasing for public banks, the Estimated Gross NPA for 2014-15 is also more in public banks as compared to private banks and from the ANOVA test, it is concluded Ratio of Gross NPA to Gross Advances for public sector and private Sector Banks does not have significant difference between 2010 to 2015.

Author : Dr. S K. Misra
Publisher :
ISBN 13 :
Total Pages : 12 pages
Book Rating : 4.49/5 ( download)

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Download or read book Management and Control of Non Performing Assets (NPA) in Indian Public Sector Banks written by Dr. S K. Misra and published by . This book was released on 2016 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: India's legal system has traditionally been friendly towards borrowers and famously inefficient and slow in the recovery of loans and interest. As a result, once a bank provides a loan or advance to a borrower, it has very little bargaining power in terms of calling the loan back or getting its hands on assets that formally securitize that particular loan or advance. In India, the whole banking sector and particularly the public sector banks till recently suffered from considerable amount of non-performing assets (NPAs). The paper studies the effectiveness of Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002 in controlling and solving the problem of non-performing assets of public sector banks. The study found that NPAs in public sector banks have been declining continuously from Rs. 56,156.43 crores (10.67% of Gross Advances) in 2001-2002 to Rs. 55,171.48 crores (2.31% of Gross Advances) in 2009-2010 since the implementation of the Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act. There is a decline of 80.10% in non performing assets in public sector banks as a whole during the period of study. The study revealed that the enactment of SARFAESI Act was highly successful and effective in reducing and controlling the amount of non- performing assets of public sector banks. The study also recommends Indian public sector banks should continue to remain focused in their recovery efforts of non-performing assets, in order to maintain the positive and effective trend of improving the quality of their assets.

Author : Dr. Vibha Jain
Publisher :
ISBN 13 :
Total Pages : 362 pages
Book Rating : 4.07/5 ( download)

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Download or read book Non-performing Assets in Commercial Banks written by Dr. Vibha Jain and published by . This book was released on 2007 with total page 362 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contents 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 : Suresh B
Publisher : Lulu.com
ISBN 13 : 1304235238
Total Pages : 89 pages
Book Rating : 4.37/5 ( download)

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Download or read book MANAGEMENT OF NON PERFORMING ASSETS IN PRIORITY SECTOR ADVANCES OF PUBLIC SECTOR BANKS IN KARNATAKA written by Suresh B and published by Lulu.com. This book was released on 2013-07-16 with total page 89 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study is mainly confined to Mandya District in the state of Karnataka. The main focuses of the study is on the problem of NPAs in Canara Bank only and also see how the effective measures has enabled the banks to raise their profitability. The study also focused on growth and performance of Canara Bank in Mandya District.

Author : Sujoy Dhar
Publisher :
ISBN 13 :
Total Pages : 15 pages
Book Rating : 4.29/5 ( download)

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Download or read book Management of Non-Performing Assets in Indian Banks and Its Challenges written by Sujoy Dhar and published by . This book was released on 2016 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: Increase in non-performing assets has become a major area of concern for all stakeholders of Indian banking players. Provisioning requirements, consequent to higher non-performing assets and higher interest expenses have put pressure on the banks' profitability. The objectives of the study are to compare and contrast the performance of Indian banking sector with respect to its peer nations with specific emphasis to accumulation of NPA, to identify the causes of increase in NPAs in Indian banks and to recommend the necessary means through which NPA can be reduced to a significant extent. The research paper has taken into consideration the secondary data available in several research articles published in the different reputed national and international journals downloaded from EBSCO host and Emerald. Apart from these, different knowledge reports available in the public domain are also considered as the source of key information inputs. The paper will give a new dimension in the literature of NPA management after taking into account the guidelines of the Basel Committee on Banking Supervision to manage the credit risk. The focus of the research work is to identify the scope and direction of Indradhanush framework, an innovative initiative by the Ministry of Finance, Government of India to combat against the curse of NPA. The paper analyses the impact of recapitalization of Indian banks and puts a major impetus on knock out ratio to judge the financial health of the banks.

Author : R. K. Raul
Publisher : Gyan Publishing House
ISBN 13 : 9788178354095
Total Pages : 332 pages
Book Rating : 4.98/5 ( download)

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Download or read book Public Sector Banks in India written by R. K. Raul and published by Gyan Publishing House. This book was released on 2005 with total page 332 pages. Available in PDF, EPUB and Kindle. Book excerpt: The present book examines the impact of Financial Reforms on the working of banking sector in general and Public Sector Banks in particular. In addition to assess multi-dimensional trend of banking sector, it examines the impact of Deregulation Policies on the Management of bank s resources. The book identifies many critical issues like determinants of Non-performing Assets, Profitability productivity of banks, mismatch of assets and liabilities and services rendered by banks particularly in the backward regions. The treatise embodies in it inter-intra banks and inter-intra regional, districts level variations. To encounter the objectives, appropriate hypothesis have been framed, statistical and financial techniques have been used to testify, the nature and problems of Public Sector vis-à-vis Private Sector and foreign banks. This book runs into ten chapters encompassing into different aspects of bank s performances with critical assessment in the context of reform package. The book will meet the growing interest of students, researchers, scholars, policymakers and general readers. It may be used as textbook for B.Com, B.B.A., M.B.A.; M.F.M. and M.A. (Eco.), M.Sc. (Eco.) courses.