Exploitation of Women in India

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NPA MANAGEMENT 2010

UNIVERSITY OF MUMBAI
A PROJECT REPORT ON

“A study of Non Performing Asset Management”
IN PARTIAL FULFILLMENT OF MASTER OF MANANGEMENT STUDIES (MMS) FINANCE SUBMITTED BY

SAHIL B MULLA NCRD’S
STERLING INSTITUTE OF MANAGEMENT STUDIES
Sector - 19, Near Seawoods Dara ve Petrol Pump, Nerul (E), Navi Mumbai - 400 706

NCRDs Sterling Institute of Management Studies

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NPA MANAGEMENT 2010

Date :5th APRIL 2010

CERTIFICATE
This is to certify that Mr. SAHIL B MULLA, Roll No. 91 is a bonafide student studying for MMS Course of the University of Mumbai in this institute for the year 2009-10. As a part of the University curriculum he has completed a Final Project titled “A study of NPA Management” under the guidance of Prof. Sonali Athawale.

Prof. Sonali Athawale Faculty Guide

Prof. Anjan Kumar Maiti Director

NCRDs Sterling Institute of Management Studies

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NPA MANAGEMENT 2010 ACKNOWLEDGEMENT This is to express my earnest gratitude and extreme joy at being bestowed with an opportunity to get an opportunity to get an interesting and informative project. It is impossible to thank all the people who have helped me in completion of project, but I would avail this opportunity to express my profound gratitude and indebtness to the following people for all the help they have given me.

I am extremely grateful to my project guide and co-coordinator Prof. Sonali Athawale who has given an opportunity to work on such an interesting project. She proved to be a constant source of inspiration to me and provided constructive comments on how to make this project better. Credit also goes to my friends whose constant encouragement let me in good stead. Lastly, I would thank our Director Mr. Anjan Maiti and all my faculties for providing all explicit and implicit support to me during the course of my project. I would also like to thank the staff of Bank of India for providing me few but very valuable details about my project.

Name: Sahil B Mulla MMS (FINANCE)

NCRDs Sterling Institute of Management Studies

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NPA MANAGEMENT 2010 EXECUTIVE SUMMARY

After liberalization the Indian banking sector developed very appreciate. The RBI also nationalized good amount of commercial banks proving socio economic services to the people of the nation. The public Sector banks have shown very good performance as far as the financial operations are concerned. The total income of the public sector banks has also shown good performance since the last few years. The public sector Banks have also shown comparatively good result. The gross profits and the net profits of the Public Sector banks have been on a high from past few years. The private sector banks are also showing good results in case of profits. However, the only problem of the Scheduled Commercial Banks these days are the increasing level of the non performing assets. The Non-Performing Assets (NPAs) problem is one of the foremost and the most formidable problems that have shaken the entire banking industry in India like an earthquake. Like a canker worm, it has been eating the banking system from within, since long. It has grown like a cancer and has infected every limb of the banking system.

At macro level, NPAs have choked off the supply line of credit to the potential borrowers, thereby having a deleterious effect on capital formation and arresting the economic activity in the country. At the micro level, the unsustainable level of NPAs has eroded the profitability of banks through reduced interest income and provisioning requirements, besides restricting the recycling of funds leading to serious asset liability mismatches. The problem of NPAs is not a matter of concern for the lenders alone. It is a matter of grave concern to the public as well, as bank credit is the catalyst to the economic growth of the country and any bottleneck in the smooth flow of credit, one cause for which is mounting NPAs, is bound to create adverse...
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