INDIAN BANKING SECTOR

In the recent scenario loan has become a willingness or ability to pay off which is a nightmare for banks. Basically NPA are default loans in the books of banks or are in arrears on scheduled payments of principal or interest has not been paid off within 90 days. We have analysis the secondary data of public and private sector bank for the year 2016 till the end of December 2017. It highlights those sway for NPA for execution for banks, prudential norms and new methodologies of government, suggestions to dispense with the terrible debts problem; bring, diminish and control NPA.

The strength and soundness of a banking system primarily depends upon the quality of the assets. Non-performing assets (NPA) is one of the major concerns for banking system in India. This study analyzes NPA management in Indian banks for the period 2004-2013. The data for the study pertained to gross and net NPAs of different bank groups over the research period, and was collected from the Reserve Bank of India (RBI) website. The results of the study show that there has been a reduction in the NPA ratios over the research period, which indicates improvement in the asset quality of Indian public sector banks, private sector banks, and foreign banks. There was significant improvement in the management of NPAs of the public sector banks. The stringent prudential and provisioning norms and other initiatives taken by the regulatory bodies have pressurized banks to improve their performance, and consequently resulted in reduction of NPA as well as improvement in the financial health of the Indian banking system. The various steps initiated by the RBI and the Government of India in strengthening/improving the functioning of the Debt Recovery Tribunals, Lok Adalats, and SARFAESI Act as a comprehensive settlement policy certainly has resulted in improved recovery of NPA accounts. All these efforts have improved the efficiency and profitability of Indian banks, and have strengthened the financial position of the public sector banks and private sector banks. The study further reveals that despite the huge NPA level of public sector banks, they have been successful in reducing their respective gross and net NPA ratios at par with the private sector banks.

A well-organized and efficient banking system is an essential prerequisite for the economic growth of every country. Galloping levels of Non-performing assets (NPAs) is one of the biggest problems faced by the Indian banking industry. The " stressed balance-sheet and bad-loan accounts " that have been hidden till now, would keep the NPA levels rising spread over 3-5 years. As on March 2015, gross NPAs stood at 4.6% and 5.17% of advances, while the stressed assets (NPAs + restructured loans) were 13.2%. It is estimated that the total quantum of stressed assets is about Rs. 10,000 billion. Undoubtedly, mounting NPAs and bad loans in the banking sector have been the focus of media headlines, which is directly affecting their balance sheets (higher provisions), and impacting the economy as well. Concern about asset quality has been one of the biggest challenges for the Indian regulator too. The extent of the challenge for nationalized banks is that " non-action is no longer an option. " In fact, India is seeing a regulatory upheaval in the way the Government and RBI are addressing the present crisis. The efforts are visible, but the results may be achieved only on a medium-to long-term basis. We feel there is an urgent need to solve the rising levels of NPAs and put a roadmap to control the reasons which lead to creation of such high NPAs. Some estimates suggest that around 35-40% of the stressed assets will require being written-off, and hence, banks need to recapitalize to that extent. This research paper explores an empirical approach to the analysis of NPA of public, private, and foreign sector banks in India. As part of this study, we have considered NPAs in Scheduled Commercial Banks, which includes 26 public-sector (nationalized) banks (PSBs), 5 private-sector scheduled banks (PVBs) and 10 scheduled foreign-banks (FBs), which are listed in the Second Schedule of the Reserve Bank of India Act, 1934. This study is based on data for sampled banks in India for a period of 5 years, from the FY ended 2010-2011 to FY ended 2015-2016. Some statistical tools have been used for analyzing the trend of NPAs of all banks in India. The present study is primarily qualitative, analytical and descriptive, which is based on secondary sources of data. Findings of our study reveals that " extent of NPAs is very high, specifically in PSBs, as compared to PVB and FBs. Some banks have already started adopting predictive and pre-emptive strategies to improve asset quality to minimize NPA levels, but still a lot needs to be done to curb this vicious problem. We suggested all banks to adopt and implement the regulator policy measures of RBI in " true-spirit and substance " ; not just form. " Undoubtedly, the road to recovery is very long and winding, but bankers are optimistic that NPA situation will improve in the near future, albeit at a slow pace.

Non-performing Asset is one of the prevalent problem of Indian Banking sector. For the past three decades, the banking system has several outstanding achievements to its credit. Many banks are facing the problem of NPAs which hampers the business of the banks. Non-performing assets are a drain to the banks. Various research studies have been conducted to analyze the root causes of NPA. The following study tries to understand the concept of NPA, its causes and impact on profitability. The problem of NPA impacts profitability, Liquidity and results in credit loss. Unless and otherwise proper remedial measures are taken the quantum of non-performing assets cannot be reduced and the bank will incur losses to a great extent.

The economy of India is divided into 2, i.e. the Priority and the Non-Priority sectors. The priority sector of India has been further divided in detail under 3 major heads viz. Agriculture, SSI's and Other Priority Sectors, while all those sectors like Industry and Services which don't fall under priority sector forms the non-priority. Agriculture, probably the biggest out of all the sectors, is the undertaking of over 60% of the Indian populace, with its contribution to the GDP being over 15%. With the agrarian sector being such an important part of the Indian Economy, the government and banks are continually working for the development of this sector, but certain inherent challenges and risks such as high no. of Non-Performing Assets (NPAs) are posing problems. As India is still a growing economy, the same is reflected in the Non-priority, mainly the Industrial sector of India. Although a large amount of funds is directed towards the growth and stabilization of the industrial sector to cope up with the globalized and industrialized world, these funds same as with the priority sector poses a large risk of destabilizing the economy with NPAs. This paper aims to compare the NPAs in the priority and non-priority sector.

The banking sector is one of the biggest service sectors in India. Availability of quality services is vital for the well-being of the economy. The focus of banks has shifted from customer acquisition to customer retention. With the stepping in of information technology in the banking sector, the working strategy of the banking sector has been revolutionary changes. Various customer-oriented products like internet banking, ATM services, tele-banking and electronic payment have lessened the workload of customers. In the present paper, there is analysis about the NPAs of the SBI. On the basis of the last five financial year's data, a second degree mathematical equation of curve has been obtained by the method of Least Squares Approximation. The equation gives the estimated Net NPA % for the current financial year (2015-16) i.e., 2.022. With the help of equation, there is also the calculation of financial year, up to which the Net NPA % will diminished i.e., financial year 2019-20.

Apunts del tema de la guerra civil en el curs d'Història d'Espanya de Segon de Batxillerat

2024

El libro que presentamos intenta abarcar el estudio de los diversos campos semánticos de la Naturaleza (natura) en la literatura romana a través de sus textos más relevantes. Se propone una indagación pormenorizada del corpus literario latino desde los comienzos de la República en una investigación sistemática que, tras una introducción, comprende trabajos sobre Plauto, Cicerón, Varrón, Lucrecio, Virgilio, Horacio, Ovidio, Séneca y autores de la tardoantigüedad y la Edad Media.