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Non Performing Assets 111111

Non Performing Assets 111111

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Published by renika

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Published by: renika on May 02, 2010
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07/04/2013

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LOVELY PROFESSIONAL UNIVERSITY 
DEPARTMENT OF MANAGEMENT 
NON PERFORMING ASSETS OF BANKS 
Submitted  
To:- MR 
S.
eepika  
Dh 
all  
 (Lov 
ely 
Prof 
essi  
on 
al  
Un 
i  
e  
ity) 
 
Submitted  
B
 y 
:-
SH 
A
OOD M
.
B
.
A 4 
 
EM
eg.
No 
.
1O81O608
 
 
INDEX
 
Sr.No.Particulars Page No.1. Introduction
y
 
Non Performing Assets  Concept
y
 
Ty
pes of N.P.A
y
 
D
ifficulties with N.P.A3-142. Review Of Literature 15-173. Profile of the Bank
y
 
H
istor
y
 
y
 
Obejectives of the bank18-214. Research Methodolog
y
 
y
 
Obejectives of the stud
y
 
y
 
Scope of the stud
y
 
y
 
Sources of data22-245 Findings And Recmmendations
y
 
Causes of Non Performing Assets inbank
y
 
Causes of an Account becoming N.P.A
y
 
T
reatment of account as N.P.A25-316
y
 
Suggestions to reduce N.P.A
y
 
Reasons Behind N.P.A
y
 
Conclusion32-387. Bibliograph
y
39
 
 
CHAPTER 1
 
INTRODUCTION
A strong banking sector is important for flourishing econom
y
. Oneof the most important and major roles pla
y
ed b
y
banking sector isthat of lending business. It is generall
y
encouraged because ithas the effect of funds being transferred from the s
y
stem toproductive purposes, which also results into economic growth. Asthere are pros and cons of ever
y
thing, the same is with lendingbusiness that carries credit risk, which arises from the failureof borrower to fulfill its contractual obligations either duringthe course of a transaction or on a future obligation.
T
hefailure of the banking sector ma
y
have an adverse impact onother sectors.Non- performing assets are one of the major concerns for banks inIndia. NPAs reflect the performance of banks. A high level ofNPAs suggests high probabilit
y
of a large number of creditdefaults that affect the profitabilit
y
and net-worth of banks andalso erodes the value of the asset.
T
he NPA growth involves thenecessit
y
of provisions, which reduces the over all profits andshareholders value.
T
he issue of Non Performing Assets has beendiscussed at length for financial s
y
stem all over the world.
T
heproblem of NPAs is not onl
y
affecting the banks but also thewhole econom
y
. In fact high level of NPAs in Indian banks isnothing but a reflection of the state of health of the industr
y
 and trade.
T
his project deals with understanding the concept ofNPAs, its magnitude and major causes for an account becoming non-performing, projection of NPAs over next
y
ears in banks andconcluding remarks.
T
he magnitude of NPAs have a direct impact on Banksprofitabilit
y
legall
y
the
y
are not allowed to book income on suchaccounts and at the same time banks are forced to make provisionson such assets as per RBI guidelines
T
he RBI has advised all

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