Management of Non-Performing Assets in Banking Sector: Asset classification and trends of NPAs - Couverture souple

Gautami, Dr. Santhapalli; Kalyan, Dr. Nalla Bala

 
9789975341110: Management of Non-Performing Assets in Banking Sector: Asset classification and trends of NPAs
Couverture souple
ISBN 10 : 997534111X ISBN 13 : 9789975341110
Editeur : Eliva Press, 2020

Synopsis

An asset of a bank (such as a loan given by the bank) turns into a Nonperforming asset (NPA) when it ceases to generate regular income such as interest etc for the bank. In other words, when a bank which lends a loan does not get back its principal and interest on time, the loan is said to have turned into an NPA. While NPAs are a natural fall-out of undertaking banking business and hence cannot be completely avoided, high levels of NPAs can severely erode the bank's profits, its capital and ultimately its ability to lend further funds to potential borrowers. Similarly, at the macro level, a high level of Nonperforming Assets means choking off credit to potential borrowers, thus lowering capital formation and economic activity. So the challenge is to keep the growth of NPAs under control. Clearly, it is important to have a robust appraisal of loans, which can reduce the chances of loan turning into an NPA. Also, once a loan starts facing difficulties, it is important for the bank to take remedial action. The study focus on Asset classification and trends of NPAs, compare sector wise NPAs during branch expansion, predict and analyze NPAs by Markov’s transition matrix and its application to loan tracking, impact of NPAs on the profitability and productivity of banks, Recovery methods, loan administration activities and factors influencing NPAs from Banker’s & Borrower’s perspective in selected banks.

Les informations fournies dans la section « Synopsis » peuvent faire référence à une autre édition de ce titre.

Éditeur
Eliva Press
Date d'édition
2020
Langue
anglais
ISBN 10 
997534111X
ISBN 13 
9789975341110
Reliure
Broché
Nombre de pages
102
Coordonnées du fabricant
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