Factors Affecting the Npa in Psb

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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 CHOUDHURY)
09FC041
IMIS, Bhubaneswar

PREFACE
The present work discusses about the effect of some of the important factors which directly or indirectly influences the cause and rise of NPA in the Public Banks in INDIA. This work is based on the secondary data collected from various sources such as RBI official site, banks information site along with some external authentic sources. Analytical tools like Standard –deviation, Co-efficient variation, Annova and mean, median, mode. I am sure this research work will provide necessary guidance to the students, who are interested in exploring the development problem relating to the NPA study in public sector banks in INDIA. I express my deep gratitude to Prof. Dr. Usha Kamilla, Associate Professor of IMIS, Bhubaneswar, for my guidance throughout the dissertation work, which had enabled me to bring out this research work efficiently within the stipulated time. Express thanks to Prof. Dr. Divya Gupta, Associate Professor, IMIS for helping me in collecting the data and the various information required for the research.

Institute of Management and Information Science
Bhubaneswar (INDRANEEL CHOUDHURY)

Lists of tables and graphs
Table noTitle of the tablePage no
1model summary-1
2coefficients-1
3model summary-2
4coefficient-2
5model summary-3
6coefficient-3
Graph noTitle of the graphPage no
1 Histogram-1(2006-07)
2Histogram-1(2007-08)
3Histogram-1(2008-09)
Glossary of the terms:-
Abbreviations usedActual word
1) netadvNet Advance
2) netdepNet Deposit
3) totalnpaTotal Non Performing Assets

CONTENTS PAGE NO 1. CHAPTER 1- INTRODUCTION
2.1. Evaluation of PSB
2.2. History of my work
2.3. Objectives of my study
2.4. Research Methodology
2.5. Literature Review
2. CHAPTER 2 – A study on the factors Indirectly influencing NPA 3.6. Discussion about the relevant variable
3.7. Brief report of my analysis
3. CHAPTER 3 – Suggestion & conclusions
4.8. Findings
4.9. Limitation of the study & scope for future research 4.10. Recommendation
4.11. Conclusion
4. REFERANCES
5. APPENDICES
6.12. Data Sheet
6.13. Sources of data

CHAPTER-1
Introduction

CHAPTER-1
INTRODUCTION
2.1 EVALUATION OF PSB
The General Bank of India was set up in the year 1786. Next came Bank of Hindustan and Bengal Bank. The East India Company established Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and called it Presidency Banks. These three banks were amalgamated in 1920 and Imperial Bank of India was established which started as private shareholders banks, mostly Europeans shareholders.

In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab National Bank Ltd. was set up in 1894 with headquarters at Lahore. Between 1906 and 1913, Bank of India, Central Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore were set up. Reserve Bank of India came in...
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