The Relationship Between Credit Risk Management And Non Performing Assets Of Commercial Banks In India
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The Relationship Between Credit Risk Management And Non Performing Assets Of Commercial Banks In India
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Author : Sirus Sharifi
language : en
Publisher:
Release Date : 2018
The Relationship Between Credit Risk Management And Non Performing Assets Of Commercial Banks In India written by Sirus Sharifi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018 with categories.
The study examines the impact of credit risk components on the performance of credit risk management and the growth in non-performing assets of commercial banks in India.The data is obtained from primary and secondary sources. The primary data is collected by administering questionnaire among risk managers of Indian banks. The secondary data on non-performing assets (NPAs) of Indian banks is from annual reports and Prowess database compiled by Centre for Monitoring Indian Economy (CMIE). Multiple linear regression is used to estimate the models for our study. The results suggest that identification of credit risk significantly affects the credit risk performance. The results are robust as credit risk identification is negatively related to annual growth in non-performing assets or loans. There is evidence in support of a priori expectation of better credit risk performance of private banks compared to that of government banks. The study has implications for Indian banks suffering from high level of losses due to bad loans. In addition, it will have implications for the implementation of new Basel Accord norms (Basel III) by Reserve Bank of India (RBI). The high and rising level of NPAs will have adverse consequences for credit flow in the economy in the absence of appropriate intervention by government and central bank in the form of changes in institutional and regulatory infrastructure. The problems in banking and financial services sector will lead to lower industrial and aggregate economic growth, and lower (or negative) growth in employment.There is little evidence on credit risk management practices of Indian banks, and its relationship with credit risk performance and NPA growth. The need for an effective risk management system to manage credit risk assumes importance and urgency in the context of high and rising NPAs of Indian banks, and the consequences for the Indian economy.
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.
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.
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.
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.
The Impact Of Credit Risk Management On Profitability
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Author : Ritesh Shrestha
language : en
Publisher:
Release Date : 2017
The Impact Of Credit Risk Management On Profitability written by Ritesh Shrestha and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017 with categories.
This study examines the impact of credit risk management on profitability of Nepalese commercial banks. The profitability in terms of return on assets and return on equity are selected as dependent variables. Capital adequacy ratio, non-performing loan ratio, cost per loan assets, cash reserve ratio, assets growth ratio and leverage ratio are taken as independent variables. The data are collected from bank supervision reports published by Nepal Rastra Bank and annual reports of selected commercial banks. The survey is based on 126 observations from 18 commercial banks in Nepal. In case, descriptive statistics, correlation analysis some diagnostic tests for the linear regression model assumption was presented. The regression models are estimated to test the significance and importance of credit risk management on profitability in Nepalese commercial banks.The result shows that capital adequacy ratio, cost per loan assets and assets growth ratio are positively related with return on assets and return on equity. It indicates that higher the capital adequacy ratio, higher would be the return on assets and return on equity. Similarly, increase in cost per loan assets leads to an increase in return on assets and return on equity. Likewise, higher the assets growth ratio, higher would be the return on assets and return on equity. The results also shows that non-performing loan ratio, cash reserve ratio and leverage ratio are negatively related with return on assets and return on equity which reveals that increase in non-performing loan ratio leads to decrease in return on assets and return on equity. Similarly, higher the cash reserve ratio, lower would be the return on assets and return on equity. Likewise, increase in leverage ratio leads to a decrease in return on assets and return on equity. The beta coefficient is positive for capital adequacy ratio, cost per loan assets and assets growth ratio and bank performance whereas the beta coefficient is negative for non-performing loan ratio, cash reserve ratio and leverage ratio and bank performance. The beta coefficient is significant for capital adequacy ratio, non-performing loan ratio, assets growth ratio and leverage ratio at 5 percent level of significance.
Credit Risk And Credit Access In Asia
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Author : Organisation for Economic Co-operation and Development
language : en
Publisher: OECD
Release Date : 2006
Credit Risk And Credit Access In Asia written by Organisation for Economic Co-operation and Development and has been published by OECD this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Business & Economics categories.
This publication is based on the proceedings of the 4th meeting within the framework of the Forum for Asian Insolvency Reform, organised by the OECD, the World Bank and the Asian Development Bank and held in New Delhi, India, held in November 2004. It contains individual country reports on key trends and developments relating to debt, insolvency and credit risk management issues since the 1997-1998 Asian financial crisis; as well as four papers which explore the issues from a regional perspective.
Management Of Non Performing Assets In Banks And Financial Institutions
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Author : B. Ramachandra Reddy
language : en
Publisher: Serials Publications
Release Date : 2008
Management Of Non Performing Assets In Banks And Financial Institutions written by B. Ramachandra Reddy and has been published by Serials Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Asset-liability management categories.
The Book Arises Out Of A Seminar Held On The Subject At Venkateshwara Univeristy. 38 Papers By Bankers And Academicians. Provides Information On The Subject Of Npas Which Are Useful For The Banks And Financial Institutions. A Good Reference Work In The Field.
Credit Risk Management For Indian Banks
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Author : K. Vaidyanathan
language : en
Publisher: SAGE Publications Pvt. Limited
Release Date : 2013-09-17
Credit Risk Management For Indian Banks written by K. Vaidyanathan and has been published by SAGE Publications Pvt. Limited this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-09-17 with Business & Economics categories.
Credit Risk Management for Indian Banks is a one-stop reference book for practising credit risk professionals in the Indian banking sector. This is the first book of its kind, which is exclusively targets the practical needs of Indian bankers. It lays more emphasis on the ground realities of Indian banking and enunciates principles and guidelines of credit risk management based on real-life situations.
The Credit S Concentration In Commercial Banks
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Author : Badruldeen Mohd Ali
language : en
Publisher:
Release Date : 2020
The Credit S Concentration In Commercial Banks written by Badruldeen Mohd Ali and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.
In this research, researchers try to find the concentration of credit in commercial bank. However, this study shows that there is a significant relationship between bank performance (in terms of profitability) and credit risk management (in terms of loan performance). Loans and advances and non-performing loans are major variables in determining asset quality of a bank. These risk items are important in determining the profitability of banks in Indonesia.