Npa of Various Bank and Its Recovery Management

The banking industry has undergone major upheaval in recent years, largely due to the lingering recessionary environment and increased regulatory environment. Many banks have failed in the face of such tough environmental conditions. These conditions

Foremost, I would like to express my sincere gratitude to my advisor Ms. Upekha Manamendra for the continuous support of create this report, for her patience, motivation, enthusiasm and immense knowledge. I could not have imagined having a better advisor and mentor for create my report.

We render our gratitude to the Correspondent, Director and Principal of Vidya Jyothi Institute of Technology, Hyderabad for their encouragement to publish this research

INSTRUCTORS: PROF. S.K. BARUA PROF. J.R. VARMAACADEMIC ASSOCIATE: MS. VAISHALI SATTAREPORT PREPARED BYGROUP 12MEENAKSHI DEOGAM M. SHYAMNIMISHA SAXENARAGHAV YADAVROHAN ANANDDATE OF SUBMISSION: 24TH AUGUST, 2010

I would like to express my deepest appreciation to all those who provided me the possibility to complete this report. A special gratitude to my tutor, Mrs. Charanya Mohanakrishnan, for her guidance and constant supervision as well as for providing necessary information regarding the topic and also for her support in completing the report.

Economies with good bankruptcy procedures are those that augment the total estimation of recovered debt at low cost. India needs to increase the recovery rate in order to determine creditors’ to reinvest in viable firms and to continue lending by diminishing the time and cost to resolve insolvency and by selling in going concern, taking into consideration the fact that recovery rates are higher in going concern sales than in piecemeal liquidation. By taking these activities India will, have more developed credit

This indicates the banks capacity to maintain capital commensurate with the nature and extent of all types of risks, as also the ability of the bank’s managers to identify, measure, monitor and control these risks. It reflects the overall financial condition of the banks and also the ability of management to meet the requirement for additional capital. This ratio acts as an indicator of bank leverage. Capital base of financial institutions facilitates depositors in forming their risk perception about the organization since Capital Adequacy is very useful for a bank to conserve and protect stakeholder’s confidence and prevent the bank from bankruptcy. Capital is seen as a cushion to protect depositors and promote the stability and efficiency of financial system around the world. It also specifies whether the bank has adequate capital to grip unanticipated losses. It also acts as a boundary for financial managers to maintain adequate levels of

Management is a profession wherein no work can be accomplished without the help and assistance of a large number of people, be it your superiors or subordinates. Good manager is the one who knows how to get the work accomplished with the help of his colleagues. As future managers, we are taught to practice such behavior at every step. This project is also a part of it.

While the term ‘bank resolution’ is a relatively recently engineered concept, various references and forms of it have developed over the last decade. The BCBS Supervisory Guidance on Dealing with Weak Banks, 2002 refers in detail to the characteristics of a weak bank and the various methods of dealing with them, including bank resolution. While this Guidance Paper refers to bank resolution as restructuring or closure of a weak bank, the IMF paper on Managing Systemic Banking Crises, 2003, refers to bank resolution as the intervention or takeover of insolvent or non-viable institutions by the authorities. Almost ten years later, after the experiences of the financial crisis, the definition of bank resolution has narrowed down to the special arrangements for banks that are failing or likely to fail. This more niche definition is utilized in post-financial crisis context, since earlier intervention (i.e. prior to the state of insolvency of a bank) is necessary to avoid greater systemic damage to the financial system. Bank resolution has now evolved to a more specific intervention mechanism where authorities identify problem banks before they become insolvent and take action to restore the bank to viability to prevent financial instability.

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ASSET QUALITY OF THE BANKS: As per the RBI the banking system in India is self-sufficient & is well funded. The asset quality of the banks is however a concern. Assets of the bank are largely loans such as mortgages, government bonds & cash. A healthy level of asset quality is imperative for survival of the bank. In India’s per the RBI's latest report released on June 17 the banking stability indicator (BSI) that indicates banks financial stability worsened between the quarter of September 2016 to March 2017 due to a deterioration in asset quality and profitability. The report clearly stated that the gross non-performing assets (GNPAs) of some scheduled commercial banks (SCBs) may rise from the existing 9.6 per cent in the month of March

First of all we would like to thank Almighty Allah for giving us the courage and ability to complete this report.We would like to express our gratitude to all those who gave us the possibility to complete this report. We want to thank the Department of management sciences of our university for giving us an opportunity to commence this project in the first instance and to do the necessary research work.

The Reserve Bank of India (RBI) is India’s central bank. Though public sector bank’s currently dominate the banking industry, numerous private and foreign banks exist. India 's government-owned banks dominate the market. Their performance has been mixed, with a few being consistent profitable. Several public sector banks are being restructured, and in some the government either already has or will reduce its ownership.

Subject Name Permanent Enrollment Number (PEN) Roll Number (SEN) Student Name : Principles & Practices of Management : : :

High Net NPA indicates the high quantity of risky assets in the Banks for which noprovision are made.. In the above graph IDBI Bank and Axis Bank show a decline in Net NPA over the 2 years of time but IDBI Bank (Public Sector Bank) has greater Net NPA as compared to Axis Bank (Private Sector Bank). Hence IDBI Bank has high quality of risky asset .