Escolar Documentos
Profissional Documentos
Cultura Documentos
A STUDY PAPER OF NON PERFORMING ASSETS OF PRIVATE AND PUBLIC SECTOR BANKS
BY SAYANTAN PATRA
ROLL NO. 08214050008 REG. NO. 082142010012
A STUDY PAPER REPORT SUBMITED IN PRATIAL FULLFIILMENT OF THE REQUREMENT FOR THE DEGREE OF BACHLOR OF BUSINESS ADMINISTRATION (Hons) Under
DECLARATION
I, Sayantan Patra hereby declare that the report titled A STUDY PAPER OF NON PERFORMING ASSETS OF PRIVATE AND PUBLIC SECTOR BANKS is a bonafied record of the Study Paper done by me. This study has been undertaken in partial fulfillment of the requirement for the award of Bachelor in Business Administration by Seacom Management College under West Bengal University of Technology.
CONTENTS
CHAPTER NO. Acknowledgement List of Illustration List of Table Executive Summary 1 Introduction 1.1 Definition 1.2 History of Indian Banking 1.3 BANKING IN INDIA: 2009-10 1.4 Non Performing Assets 1.5 Factor for rise in NPAs 1.6 Problem due to NPAs 1.7 Types of NPAs 1.8 Income Recognition 2 1.9 Reporting of NPA Asset Classification & Provisioning Norms
2.1 Standard Assets : 2.1.1 2.1.2 2.1.3 Sub-standard Assets Doubtful Assets Loss Assets
SUBJECT COVERED
PAGE NO. i ii iii iv - vii 1-25 2-3 3-7 8-10 10-12 12-17 17-19 19-21 22-24 24-25 26-29 26-27 27 27-29 29
Impact, Reasons and Symptoms of NPAs 3.1 Impact of NPA 3.2 Reasons of NPA 3.3 Early Symptoms
30-35 30-31 31-33 34-35 36-39 36 36 37 37 37-38 38-39 40-55 41 41-42 42-43 43-46 46-48 49-55
Preventive Measurement 4.1 Early Recognition of Problem 4.2 Identifying Borrowers with genuine Intent 4.3 Timeliness and Adequacy of response 4.4 Focus on Cash flow 4.5 Management Effectiveness 4.6 Multiple Financing
Tools for Recovery 5.1 Willful default 5.2 Lok Adalat 5.3 Debt Recovery Tribunals(DRT) 5.4 Enactment of SRFAESI Act 5.5 Institution of CDR Mechanism 5.6 Special Cases
Research Methodology 6.1 Type of Research 6.2 Scope of the study 6.3 Sampling plan 6.4 Objective of the research 6.5 Research Design 6.6 Data Collection Sources 6.7 Expected contribution of the study 6.8 Beneficiaries of the study 6.9 Limitation
56-58 56 56 56 56-57 57 58 58 58 58
7.3 Priority and Non-Priority Sector Finding and Conclusions 8.1 Finding