NON-PERFORMING ASSETS OF PUNJAB STATE COOPERATIVE BANK

Committed To Development

A Summer Training Report

In partial fulfillment of two years of post graduate Degree in M.Com. Provided by Panjab University, Chandigarh (2009-2011)
Submitted To ByMs.Amanjot Kaur Kaur M.Com. 2nd Semester ROLL NO. POST-GRADUATE DEPTT. OF COMMERCE, SGGS COLLEGE, SECTOR-26, CHANDIGARH. Submitted Gurpreet

Acknowledgement

To acknowledge all the persons who had helped for the fulfillment of the Project is not possible for any researcher but in spite of all that it becomes the foremost responsibility of the researcher and also the part of Research ethics to acknowledge those who had played a great role for the Completion of the Project. So, in the same sequence at very first, I would like to acknowledge my parents because of whom I got the existence in the World for the inception and the conception of this project. Later on I Would like to confer the flower of acknowledgement to Ms. Amanjot Kaur and other faculty members who taught me that how to do Project through appropriate tools and techniques. Because PUNJAB STATE CO-OPERATIVE BANK has trusted me and given me a chance to do my integrated research Study, I would like to give thanks to the organization and especially to Mr. Ghuman from the depth of my heart. Rest all those people who helped me are not only matter of acknowledgment but also authorized for sharing my success.

Preface Decision making is a fundamental part of the research process Decisions regarding that what you want to do, how you want to do, What tools and techniques must be used for the successful Completion of the project. In fact it is the researchers efficiency as a decision maker that makes project fruitful for those who concern to the area of study. Basically when we are playing with computer in every part of life, I Used it in my project not for the ease of my but for the ease of Result explanation to those who will read this project the project presents the role of banks in life of persons. I had toiled to achieve the goals desired. Being a neophyte in this highly competitive world of business, I had come across several Difficulties to make the objectives a reality. I am presenting this Hand carved efforts in black and white. If anywhere something is found not in tandem to the theme then you are welcome with your Valuable suggestions.

CONTENTS

Executive summary of project Chapter 1 Chapter 2 :- Introduction of Cooperative Bank :- Prudential Norms in Cooperative banks

1 2-17 18-33

ANNEXURE ???????????/ Chapter 3 Chapter 4 :- Fsctors for rise in NPAs in Banks :problems & impact of NPAs 37-40 41-42 43-49

Chapter 5 :- preventive measures Chapter 6 :- objectives of study Chapter 7 Chapter 8 Chapter 9 ANNEXURE Appendix 1 Appendix 3: : Appendix 2 : research methodology analysis & interpretation recommendations