Factors Affecting the Npa in Psb

2845 WordsMar 8, 201112 Pages
A STUDY ON THE FACTORS AFFECTING THE N.P.A OF PUBLIC SECTOR BANKS A dissertation submitted to IMIS for partial fulfillment of the degree of PGDFC INDRANEEL CHOUDHURY 09FC041-PGDFC UNDER THE GUIDANCE OF Dr. USHA KAMILLA INSTITUTE OF MANAGEMENT AND INFORMATION SCIENCE BHUBANESWAR 2009-2011 DECLARATION I hereby declare that the report on ”Study on factors affecting the Non Performing Assets of Public Sector Banks” prepared by me under the guidance of Prof. Dr. Usha Kamilla, is best to my knowledge and research and the project done on the available secondary data provided by the R.B.I and the bank’s annual reports. The submitted project is fully authentic and does not cover any immaterial facts related to any other project. (INDRANEEL…show more content…
Seven banks forming subsidiary of State Bank of India was nationalised in 1960 on 19th July, 1969, major process of nationalisation was carried out. It was the effort of the then Prime Minister of India, Mrs. Indira Gandhi. 14 major commercial banks in the country was nationalized. Second phase of nationalisation Indian Banking Sector Reform was carried out in 1980 with seven more banks. This step brought 80% of the banking segment in India under Government ownership. After the nationalisation of banks, the branches of the public sector bank India rose to approximately 800% in deposits and advances took a huge jump by 11,000%.This phase has introduced many more products and facilities in the banking sector in its reforms measure. In 1991, under the chairmanship of M Narasimham, a committee was set up by his name which worked for the liberalisation of banking practices. The country is flooded with foreign banks and their ATM stations. Efforts are being put to give a satisfactory service to customers. Phone banking and net banking is introduced. The entire system became more convenient and swift. Time is given more importance than money. 2.2 History of my work The various past study about NPA, by the researchers have shown various reasons. The credit variables like interest rates, loan maturity, bank

More about Factors Affecting the Npa in Psb

Open Document