Modeling The Npa Of A Large Indian Public Sector Bank As A Function Of Total Assets
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Modeling The Npa Of A Large Indian Public Sector Bank As A Function Of Total Assets
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Author : Rajveer Rawlin
language : en
Publisher: GRIN Verlag
Release Date : 2011-12-14
Modeling The Npa Of A Large Indian Public Sector Bank As A Function Of Total Assets written by Rajveer Rawlin and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-12-14 with Business & Economics categories.
Scientific Study from the year 2011 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1, Dayananda Sagar College of Engineering (Department of Management Studies), course: Non Performing Assets, Banking, language: English, abstract: Non-performing assets (NPA) are the loans given by a bank or a financial institution where in the borrower defaults or delays interest and / principal payment. The management of NPAs therefore, is a very important part of credit management of banks and financial institutions in the Country. Currently NPA estimates in India are predominantly obtained from figures published by the Reserve Bank of India (RBI). However it would be helpful for banks and financial institutions to have an estimate of the NPA as soon as loan amounts are disbursed. This study attempted to develop a predictive model for the NPA% at both the gross and net level from the total assets of one of India’s largest public banks. A strong correlation was observed between gross and net NPA% and the total assets suggesting that estimates of gross and net NPA can be made from total assets. Linear and non linear models were fit to predict the NPA% from the total assets. A non linear model linking both Gross and net NPA to total assets provided the best curve fit and the least deviation from actual values. Thus by simply looking at the banks total assets an overall picture of the banks NPA level can be ascertained.
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.
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.
Determinants Of Public Sector Bank S Profitability In India
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Author : Gurmeet Singh
language : en
Publisher:
Release Date : 2016
Determinants Of Public Sector Bank S Profitability In India written by Gurmeet Singh and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
The economic development of country depends on the effective banking system. In recent years, there have been considerable pressures on the profitability of banks. The study investigates the long run equilibrium relationship between the return on assets (ROA) and nine variables over the period 2005 to 2014. Johansen's co-integration test and vector error correction model have been applied to explore the long-run equilibrium relationship. The analysis reveals that the returns on assets of the Indian public sector banks are positively co-integrated with all the nine variables under the study and hence, a long-run equilibrium relationship exists between them. The results of VECM revels that secured advances to total advances, burden to total assets, burden to interest income, operating profits to total assets, non-interest income to total assets and profit per employee causes return on asset in long run and short run. While, non performing assets, deposits to total liabilities and net interest margins causes return on assets in short run only. The findings from Granger causality based on the VECM indicate bidirectional causality exists between all the variables tested and return on assets except non-performing assets. Non-performing assets granger causes return on assets but not the other way round.
Non Performing Assets In Commercial Banks
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Author : Dr. Vibha Jain
language : en
Publisher:
Release Date : 2007
Non Performing Assets In Commercial Banks written by Dr. Vibha Jain and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Asset-liability management categories.
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.
Application Of Multi Criteria Decision Making Models In Regulatory Evaluation Of Commercial Banks In India And Its Consistency With Public Perception
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Author : Tamal Chaudhuri
language : en
Publisher:
Release Date : 2015
Application Of Multi Criteria Decision Making Models In Regulatory Evaluation Of Commercial Banks In India And Its Consistency With Public Perception written by Tamal Chaudhuri and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.
This paper, first, examines the performance of a sample set of public sector banks (nationalized banks and State Bank of India) and a sample set of private sector banks in terms of certain regulatory variables. It uses aggregation techniques like TOPSIS, VIKOR and ELECTRE - III to rank their performance. This exercise is done over a period of time to see whether the ranking of banks, both in the private sector and the public sector, has undergone any change. These aggregation techniques provide an alternative method to that of CAMELS used by Reserve Bank of India. Second, the paper delves into market perception of these two sets of banks and ranks them in terms of the aggregation techniques. The paper then combines the above two approaches to check whether the market at large understands the regulatory framework that the banks need to follow. Variables like RISK (Risk Weighted Assets/Total Assets), CAR (Actual Capital Adequacy Ratio), CRRISK (Provisions/Total Advances), VULNER (Ratio of Deposits to Risk Weighted Assets), CLSTATE (Ratio of Government Security Holdings to Total Assets), ROA (Returns on Assets), Net Interest Margin and NPA percentage are selected to represent regulatory variables. Price/Earnings (P/E) Ratio, Price/Book Value per Share (P/BVPS), Size as measured by size of deposits, Dividend Payout Ratio, Dividend Yield and ROE are chosen to represent public perception banks.
Futue Of Fintech Innovative Business Model For Financial Inclusion
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Author : Dr. Sunita Shukla
language : en
Publisher: Book Bazooka Publication
Release Date : 2019-11-14
Futue Of Fintech Innovative Business Model For Financial Inclusion written by Dr. Sunita Shukla and has been published by Book Bazooka Publication this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-11-14 with Business & Economics categories.
This compendium is a collection of papers which were presented in National Seminar on the theme “FinTech: Innovative Business Model for Financial Inclusion.” Organized by Department of MBA, I.T.S Engineering College, Greater Noida on November 15th, 2019. Through this compendium we aim to collate the ideas generated in the Seminar and bring them to the readers. FinTech is one of the promising industries all over the world and at the same time disruption to financial services Industry. The high usage of smart phones and technology based products has created the demand for accessing of financial services through internet. Further, this growth is expected to be USD 305.7 bn by 2023. The services provided by these companies are not only confined to payments, it cater much broader range of services like lending, capital market and wealth management. The collection of papers in this compendium focuses on various dimensions on the contemporary and emerging trends of banking and financial services in a digital world and major issues and challenges for the future market players in Financial Services Industry.
The 8th Annual Conference Of The Economic Forum Of Entrepreneurship International Business
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Author : Ghada Gomaa A. Mohamed
language : en
Publisher: Dr. Ghada Mohamed
Release Date : 2022-02-01
The 8th Annual Conference Of The Economic Forum Of Entrepreneurship International Business written by Ghada Gomaa A. Mohamed and has been published by Dr. Ghada Mohamed this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-02-01 with Antiques & Collectibles categories.
The 8th Annual Conference of the Economic Forum of Entrepreneurship & International Business Organized by Dr. Ghada Gomaa A. Mohamed Conference venue: LMH, University of Oxford, Oxford, United Kingdom Conference proceeding: Library & Archive Canada Conference date: February 1st, 2020 Editors: Dr. Ghada Mohamed Dr. Morrison Handley-Schachler Dr. Daniel May Dr. Thomas Henschel https://epe.lac-bac.gc.ca/100/201/300/annual_conference_economic/v08.pdf
Determinants Of Commercial Bank Interest Margins And Profitability
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Author : Asl? Demirgüç-Kunt
language : en
Publisher: World Bank Publications
Release Date : 1998
Determinants Of Commercial Bank Interest Margins And Profitability written by Asl? Demirgüç-Kunt and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Bancos comerciales categories.
March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.
Jaiib Exam 2024 Paper 1 2 3 4 Based On Latest Exam Pattern Syllabus Released By Iibf 40 Mock Tests 4000 Solved Questions With Free Access To Online Tests
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Author : EduGorilla Prep Experts
language : en
Publisher: EduGorilla Community Pvt. Ltd.
Release Date : 2024-06-01
Jaiib Exam 2024 Paper 1 2 3 4 Based On Latest Exam Pattern Syllabus Released By Iibf 40 Mock Tests 4000 Solved Questions With Free Access To Online Tests written by EduGorilla Prep Experts and has been published by EduGorilla Community Pvt. Ltd. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-06-01 with Education categories.
• Best Selling Book for JAIIB Exam with objective-type questions as per the latest syllabus given by the IIBF (Indian Institute of Banking and Finance). • JAIIB Exam Preparation Kit comes with 40 Practice Mock Tests (Paper 1, 2, 3, 4) with the best quality content. • Increase your chances of selection by 16X. • JAIIB Exam Prep Kit comes with well-structured and 100% detailed solutions for all the questions. • Clear exam with good grades using thoroughly Researched Content by experts.
