Management Of Non Performing Advances A Study With Reference To Public Sector Banks
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Management Of Non Performing Advances
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Author : T. V. Gopalakrishnan
language : en
Publisher: Northern Book Centre
Release Date : 2004
Management Of Non Performing Advances written by T. V. Gopalakrishnan and has been published by Northern Book Centre this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Business & Economics categories.
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.
Management Of Non Performing Advances A Study With Reference To Public Sector Banks
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Author : Gopalakrishnan
language : en
Publisher: Infotech
Release Date : 2023-02-06
Management Of Non Performing Advances A Study With Reference To Public Sector Banks written by Gopalakrishnan and has been published by Infotech this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-02-06 with categories.
This describes Indian banking well. Competition, mergers, IT, new products, markets, and rules change banking. Changes in interest rates, currency rates, commodity prices, lenders, borrowers, and government self-interest necessitate financial innovation to handle current and emerging challenges. Our financial sector, which underpins the economy, has struggled to adapt to developments. One explanation for this is banks' NPAs. A bank loan or advance is "non-performing" after 180 days of late interest or principal payments. Advances that don't generate revenue and won't be repaid impair banks' ability to act as middlemen, one of their main functions (mobilising savings and providing finance for investments). A strong economy requires a healthy banking system.
Managing Non Performing Assets In Indian Public Sector Banks
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Author : Sk Mujibar Rahaman
language : en
Publisher: Exceller Books
Release Date : 2022-09-30
Managing Non Performing Assets In Indian Public Sector Banks written by Sk Mujibar Rahaman and has been published by Exceller Books this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-09-30 with Business & Economics categories.
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.
Management Of Non Performing Assets In Priority Sector Advances Of Public Sector Banks In Karnataka
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Author : Suresh B
language : en
Publisher: Lulu.com
Release Date :
Management Of Non Performing Assets In Priority Sector Advances Of Public Sector Banks In Karnataka written by Suresh B and has been published by Lulu.com this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Managing Non Performing Assets By Public Sector Banks
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Author : Dr R. K. Sant
language : en
Publisher: Lulu.com
Release Date :
Managing Non Performing Assets By Public Sector Banks written by Dr R. K. Sant and has been published by Lulu.com this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Public Sector Banks In India
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Author : R. K. Raul
language : en
Publisher: Gyan Publishing House
Release Date : 2005
Public Sector Banks In India written by R. K. Raul and has been published by Gyan Publishing House this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Banks and banking categories.
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.
Management Of Non Performing Advances
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Author : C. R. Shivpuje
language : en
Publisher:
Release Date : 1997
Management Of Non Performing Advances written by C. R. Shivpuje and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1997 with Banks and banking categories.
Comprehensive study of Indian banks.
Management Of Non Performing Assets In Banking Sector
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Author : Nalla Bala Kalyan
language : en
Publisher:
Release Date : 2020-03-03
Management Of Non Performing Assets In Banking Sector written by Nalla Bala Kalyan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-03-03 with categories.
An 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.
Banking Sector Reforms In India And Performance Evaluation Of Commercial Banks
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Author : Debaprosanna Nandy
language : en
Publisher: Universal-Publishers
Release Date : 2010-07-29
Banking Sector Reforms In India And Performance Evaluation Of Commercial Banks written by Debaprosanna Nandy and has been published by Universal-Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-07-29 with categories.
The Committee on Financial System (CFS), popularly known as Narasimham Committee, was set up in 1991 to make recommendations for bringing about the necessary reforms in the financial sector. Narasimham Committee appraised and acknowledged the success and progress of Indian banks since the major banks were nationalized on 19 July 1969. Unfortunately, the developments were witnessed only in the field of expansion and spread of bank branches, generation of huge employment and mobilization of savings rather than also in improvement in efficiency. Besides, corruption, fraud, misutilization in public money, outdated technology, and politicization in policy making were found to be major drawbacks in the real progress of the banks. As the banking sector plays an important and crucial role in the economy of a country for its stabilization and balanced growth, major reforms were urgently needed, after 22 years of nationalization, to revive Indian banks. This was not only in the field of profitability, but also in the overall efficiency, viz., better management of non-performing assets (NPAs), satisfying capital requirements, increased cost effectiveness and control, enhanced customer service, improved technology, establishing competitive interest rate, effective man-power planning, introduction of asset-liability management, better productivity, launching new products, and becoming more competent to face the upcoming challenges and competition from foreign as well as private sector banks in the era of globalization and liberalization. The objectives of the study are to examine the need and relevance of reforms in Indian banks, to assess the efficiency and profitability of Indian banks during reforms from different perspectives, to discuss various issues of NPA management in the light of reforms, to measure the performance of the banks of West Bengal during the reforms, to analyse the role of information technology and its relevancy in Indian banks in the era of reforms, and to impart necessary suggestions for the improvement of the efficiency and profitability of Indian banks.
Non Performing Assets Management Of Indian Public Sector Banks
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Author : C. Thirupalu
language : en
Publisher:
Release Date : 2016
Non Performing Assets Management Of Indian Public Sector Banks written by C. Thirupalu and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with Bank assets categories.
Study conducted in Anantapur District of Andhra Pradesh, India.