NPA MANAGEMENT IN INDIAN BANKS N.Fathima Thabassum Dr. E.Mubarak Ali Research Scholar Reader in Commerce Bharathidasan University Jamal Mohammed College‚ Trichy. The quality of loans held by banks and financial institutions is a critical indicator of the health of financial system. If the assets are of high quality‚ credit risk is less. Thus‚ credit growth is one of the drivers of economic growth‚ non performing assets is a disaster to the Indian Economy. The increase in the level of Non
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influences the cause and rise of NPA in the Public Banks in INDIA. This work is based on the secondary data collected from various sources such as RBI official site‚ banks information site along with some external authentic sources. Analytical tools like Standard –deviation‚ Co-efficient variation‚ Annova and mean‚ median‚ mode. I am sure this research work will provide necessary guidance to the students‚ who are interested in exploring the development problem relating to the NPA study in public sector banks
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may come to know that in the year 1997 the NPAs were 47‚300crore and reached to 80‚246crore in 2002. The only problem that hampers the possible financial performance of the Public Sector Banks is the increasing results of the non performing assets. The non performing assets impacts drastically to the working of the banks. The efficiency of a bank is not always reflected only by the size of its balance sheet but by the level of return on its assets. NPAs do not generate interest income for the banks
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EXECUTIVE SUMMARY The most important problem that the Indian banks are facing is the problem of their NPAs. It is only since a couple of years that this particular aspect has been given so much importance. The banks have to overcome these difficulties properly in order to effectively counter the competition faced by the foreign banks. With the framing of laws as per international standards and setting up of Debt recovery tribunal we can say that steps have been taken in this direction. Banks
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ijcrb.webs.com NOVEMBER 2012 INTERDISCIPLINARY JOURNAL OF CONTEMPORARY RESEARCH IN BUSINESS VOL 4‚ NO 7 Non Performing loans in Commercial Banks: A case of CBZ Bank Limited In Zimbabwe Mabvure Tendai Joseph1‚ Gwangwava Edson2‚ Faitira Manuere3‚ Mutibvu Clifford4‚ Kamoyo Michael5 1‚2 Lecturers: Department of Accounting Science and Finance Chinhoyi University of Technology P.Bag 7724 Chinhoyi‚ Zimbabwe 3 Lecturer :Department of Business Management and Entprepreneurship Chinhoyi
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Banks NPA and Impact on Indian Economy Introduction:- A well organized and efficient banking system is a pre-requisite for economic growth. Banks play an important role in the functioning of organized money market. in order to meet the banking needs of various sections of the society‚ a large network of bank branches has been established. There are four type of banking institutions. a- Commercial Banks b- Regional Rural Banks c- Co-operative Banks d- Development Banks (Term
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again proved its strength in the asset quality management by restricting its Gross NPA ratio at 1.53% and Net NPA ratio at 0.54% during FY12 – one of the lowest in the large sized banking segment in India. The Bank’s Loan Loss Coverage Ratio (including technical write-offs) too stood at the pristine level of 80.05% as on 31st March 2012. Net NPAs to Net Advances stood at 0.54% this year against 0.35% last year. Gross NPA ratio of the Indian banking industry worsened by 59 basis points (bps) between
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CONTENTS 1. INVESTMENT BASICS....................................................................................................... 6 What is Investment?...................................................................................................................6 Why should one invest? .............................................................................................................6 When to start Investing?.....................................................................
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Transformation after two decades of agrarian reform program Pamela Crosby MSc in Geography Candidate Department of Geography University of the Philippines Diliman Introduction In the Philippines‚ a large proportion of the population is involved in the agricultural sector. According to the Bureau of Agricultural Statistics (BAS)‚ an office under the Department of Agriculture (DA)‚ about 12.03 million were employed in the agriculture sector. It represents about 35 percent of the country
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Adverse Effects of NPA on the Working of Commercial Banks NPA has affected the profitability‚ liquidity and competitive functioning of PSBs and finally the psychology of the bankers in respect of their disposition towards credit delivery and credit expansion. Impact on Profitability Between 01.04.93 to 31.03.2001Commercial banks incurred a total amount of Rs.31251 Crores towards provisioning NPA. This has brought Net NPA to Rs.32632 Crores or 6.2% of net advances. To this extent the problem
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