Professional Documents
Culture Documents
MASTER OF COMMERCE
Submitted by
SHIVAKUMAR S.L.
Reg. No. O8ATCM1028
CO-ORDINATOR’S CERTIFICATE
GUIDE’S CERTIFICATE
Place: Bangalore
Dr.H.PRAKASH
Date: Co-
ordinator of M.B.A
STUDENT’S DECLARATION
Place: Bangalore
SHIVAKUMAR S.L.
Date: Reg. No.
08ATC M1028
ACKNOWLEDGMENT
I am happy to express my gratitude to
Prof.H.K. KUMARARAJ URS, Principal of
Govt. R. C. College of commerce and
management & Dr.M.ASHFAQ AHMED, Co-
ordinator of M.com for their encouragement,
guidance and many valuable ideas imported to
me for my project, with great pressure.
SHIV
AKUMAR S.L.
Re
g. No. 08ATCM1028
CONTENTS
CHAPT PAGE
DESCRIPTION
ER NO. NO.
CHAPTER INTRODUCTION 1 - 45
–1 Introduction about banking industry
History of modern banking in India
Classification of banks
Functions of Banking
Co-operative Banks
Definitions & features of Co-
operative banks
Structure of Co-operative Banks
Introduction of Debt Recovery
Management
Meaning of Debt Recovery
Management
Introduction to NPAs
Meaning of NPAs
RBI guidelines on Income
Recognition
Accounting Standard – 9 on
Revenue Recognition issued by ICAI
RBI Guidelines on Classification &
provisioning requirement of Bank
Advances
Impact of NPAs
Consequences of NPAs
Objectives of Debt Recovery
Management
Factor affecting the recovery of
Loans & Advances
Recovery Methods
CHAPTER RESEARCH DESIGN 46 - 49
–2 Title of the study
Statement of the problem
Objectives of the study
Scope of the study
Research Methodology
Plan of analysis
Limitations of the study
Chapter layout
CHAPTER BANK PROFILE 50 - 57
–3 History of the bank
Goals & objectives of the bank
Vision statement
Organization structure
List of board of directors
Statement of growth of the bank
Braches of the bank
Awards & competitors details
CHAPTER ANALYSIS & INTERPRETATION OF 58 - 78
–4 DATA
ANNEXTURE – QUESTIONNAIRE
LIST OF TABLES
LIST OF GRAPHS
GRAPH
Showing Profit Position of the Bank 78
4.7
CHAPTER – 01
INTRODUCTION
Pre-nationalization period:
Post-nationalization period:
CLASSIFICATION OF BANKS
1. Investment banks
2. Exchange banks
3. Commercial banks
4. Co-operative banks
6. Savings banks
7. Central banks
FUNCTIONS OF BANKING
CO-OPERATIVE BANKS
1. Farming
2. Cattle
3. Milk
4. Hatchery
5. Personal finance
1. Self-employment
2. Industries
4. Home finance
5. Consumer finance
6. Personal finance
Co-operative
Banks
STATE URBAN
STATE LAND
CO- CO-
DEVELOPMEN
OPERATIVE OPERATIVE
T BANKS
BANKS BANKS
CENTRAL CENTRAL
CO- LAND
OPERATIVE DEVELOPME
BANKS NT BANKS
PRIMARY BRANCHES OF
PRIMARY
AGRICULTU STATE LAND
LAND
RAL CREDIT DEVELOPMENT
DEVELOPME
SOCIETIES BANKS
NT BANKS
Reserve Bank of India has over the years put its faith in
cooperative banks as they hold a major share in agricultural
credit. With its number if branches it can percolate to all the
corners of the country. The Indian financial system has
undergone several changes and now comprises of
widespread network of financial institutions. Accordingly the
INTRODUCTION:
DEBT:
The word debt comes from the Latin Debere which means “to
owe”.
DEFINITION OF DEBT:
RECOVERY:
d) No recycling of funds.
DIRECT:
INDIRECT:
A. BANKS RELATED:
B. BORROWER RELATED
Diversion Of Funds
Willful Default
Natural Calamities
Legal Process
RECOVERY METHODS:
1. Civil Courts
2. Criminal Court
3. Lok Adalats
5. SARFAESI Act
CIVIL COURTS
10. The plaintiff will file with the court a petition for
CRIMINAL COURT
LOK ADALATS
order like a court. The orders passed by Lok Adalats have the
legal status of Decrees issued by courts.
SARFAESI Act
While the DRT Act and SARFAESI Act have improved the
recoverability of bad debts fact remains that it involves a lot
of effort, cost and time. Legal remedies are inherently time
consuming even if they are administered by the banks
themselves or by specialized institutions like DRT. Since
recovering bad debts as expeditiously as possible is
beneficial to banks in terms of being able to redeploy the
funds profitably and using the time and effort spent on
recovery for generating new business, banks prefer to
recover bad debts by sale to others who are willing to buy the
bad debts at a discount or by making a compromise
cash for loans sold and gets rid of the bad loans from their
balance sheet. Sale of bad loan to another bank is more
attractive to banks compared to sale to ARCs because of
immediate receipt of cash as against receipt of Security
Receipt from ARCs. RBI has issued the following guidelines
with respect to sale of bad loans by a bank to another bank
or NBFC.
A. Compromise settlements
Principal
Unpaid interest
Legal expenses
B.WRITE OFF
CHAPTER-02
RESEARCH DESIGN
RESEARCH METHODOLOGY:
PLAN OF ANALYSIS:
CHAPTER LAYOUT:
CHAPTER-1: INTRODUCTION
CHAPTER – 03
BANK PROFILE
History of “The Bangalore City Co-Operative Bank
Limited”
“THE BANGALORE CITY CO-OPERATIVE BANK LIMITED” was
the first urban co-operative bank in the country started in April 06,
1907 by Sri.K.Ramaswamy and others.
VISION STATEMENT
OUR VISION IS OUR MISSION
Sri.B.K.Ashwatha Narayana
Sri.Dayashankar
Sri.K.Krishnappa
Sri.Anjanappa
Sri.N.Raghavendra, M.A
Smt.L.Bhagyalakshmamma
Sri.N.Thimmiah
3.8 AWARDS:
CHAPTER-04
(1) When the first payment is due from the customer, a call
TABLE-4.1:
Analysis:
GRAPH-4.1:
Interpretation:
TABLE-4.2:
Analysis:
GRAPH-4.2:
Interpretation:
TABLE-4.3:
% age of
% age of
Year Net NPA to
Recovery
Loans
Analysis:
GRAPH-4.3:
Interpretation:
TABLE-4.4:
Analysis:
GRAPH-4.4:
Interpretation:
TABLE-4.5:
Total
Growth of
Deposits
Year deposits in
(Amount in
Percentage
Lakhs)
Analysis:
GRAPH-4.5:
Interpretation:
TABLE-4.6:
Analysis:
GRAPH-4.6:
Interpretation:
TABLE-4.7:
Net Profit
Year (Amount Rs.
Percentage
lakhs)
Analysis:
GRAPH-4.7:
Interpretation:
CHAPTER-05
SUGGESTIONS:
CONCLUSION
QUESTIONNAIRE
TOPIC:
Name:
Designation:
Department:
Phone no.:
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2. What are the terms and conditions to get loan in your bank?
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3. What are the measures you are taking when loans are become due
Or Debt?
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4. Under which guidelines you are taking steps to collect the Debts?
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5. When will you consider the loans and advances given, as NPAs?
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a. substandard assets
b. doubtful assets
c. loss assets
7. Have you been conducted any surveys on “why loans are becoming
due in the bank”?
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*Yes *No
11.What are the measures for the recovery of NPAs adopted by the
bank?
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*Yes No
BIBLIOGRAPHY
1. BOOKS REFERRED
AUTHOR
SL. BOOK
PUBLICATION EDITION
NO NAME
S.Scott
Management MacDonald / South Western – Sixth
1.
of Banking Timothy W. Cengage Learning 2006
Koch
Banking
Snow white First
2 principles & M.N.Gopinath
publications ltd. 2008
operation
Vijayaragavan
Introduction First
3 Iyengar Excel Book
to banking 2007
Management
H.R. Suneja Himalaya publishing First
4 of
house 2008
bank credit
3. WEBSITES
• www.rbi.org.in