Submitted to MAHATMA GANDHI UNIVERSITY, KOTTAYAM In partial fulfilment of the requirement for the award of the Master’s Degree in Business Administration (MBA) (2010-2012) By ANJU ELIZABETH JOY Reg. No: 21770
RAJAGIRI COLLEGE OF SOCIAL SCIENCES RAJAGIRI P.O.,
I ANJU ELIZABETH JOY hereby declare that this report titled ―A STUDY ON THE MANAGEMENT OF NON-PERFORMING ASSETS IN THE FEDERAL BANK LTD.,CHENNAI’’, was sincerely carried out during the month of May 2011. The study has been undertaken in partial fulfilment of Master of Human Resource Management at Rajagiri College of social sciences, Cochin affiliated to Mahatma Gandhi University, Kottayam. I also declare that this report has not been submitted to any other university, institution for the award of any degree/diploma.
Place: Cochin Date: 15/10/.2011
Anju Elizabeth Joy
It‘s one of the most difficult tasks in life to choose appropriate words to express ones‘ gratitude towards the beneficiaries.
I acknowledge with the great gratitude to all those who helped me to make this project a great success. At the very outset, I would like to express my thanks to the almighty who has bestowed upon me the required skill to pursue this course.
I greatly express my gratitude for my faculty guide Ms. Dhanya Alex for providing her valuable guidance and assistance throughout the course of this project.
I am highly obliged and grateful to Mr. Jacob Mathew (Chief Manager, Federal Bank Chennai Regional Office) for guiding me throughout the project within his busy schedule.
Also reserved on priority are my special wishes and gratefulness to management and staff of Federal Bank Chennai Regional Office for permitting and assisting me in the project. I thank all with utmost sincerity.
Anju Elizabeth Joy
CHAPTER CONTENTS PAGE NO
EXECUTIVE SUMMARY SECTION 1
INTRODUCTION INDUSTRY PROFILE,COMPANY PROFILE,PRODUCT PROFILE AND DEPARTMENTS INDUSTRY PROFILE COMPANY PROFILE MILESTONES AWARDS PRODUCT PROFILE VISION MISSION ORGANISATION CHART FUNCTIONAL DEPARTMENTS OBJECTIVES OF ORGANISATIONAL STUDY SWOT ANALYSIS
4 8 9 10 11 13 14 15 16 25 26 28
SECTION II THEORETICAL BACKGROUND SECTION III 1
PROBLEM FORMULATION TITLE OF THE STUDY STATEMENT OF THE PROBLEM
37 37 37 37 38 38 38 39 59 61 62
RESEARCH PROCESS OBJECTIVES OF THE STUDY SCOPE OF THE STUDY RESEARCH DESIGN DATA COLLECTION
LIMITATIONS OF THE STUDY ANALYSIS AND INTERPRETATION OF DATA FINDINGS AND CONCLUSION BIBLIOGRAPHY ANNEXURE
LIST OF TABLES
Table No. 4.1 4.2 4.3 4.4 4.5 4.6 4.7 4.8 4.9 4.10 4.11 4.12 4.14
Tables Category Analysis Category Analysis Percentage Priority sector Agricultural Sector Small Scale Sector Other Priority Sector Non Priority Sector Housing Sector Education sector Gold Sector Vehicle Sector Other Retail Sector Deduction
Page No. 43 45 47 48 49 50 51 52 53 54 55 56 57
LIST OF FIGURES
Fig. No. 4.1 4.2 4.3 4.4 4.5 4.6 4.7 4.8 4.9 4.10 4.11 4.12 4.13 4.14 4.15 4.16 4.17
Figures Page No. Category wise analysis 2005-2006 43 Category wise analysis 2006-2007 44 Category wise analysis 2007-2008 44 Category wise analysis 2008-2009 44 Category wise analysis 2009-2010 45 Multiple bar diagram category analysis 46 Sub divided bar graph of Priority Sector 47 Sub divided bar graph showing Agriculture sector 48 Sub divided bar graph showing Small Scale 49 Industry Sector Sub divided bar graph showing other priority 50 Sector Sub divided bar graph showing Non Priority Sector 51 Sub divided bar graph showing Housing Sector 52 Sub divided bar graph showing Education Sector 53 Sub divided bar graph showing Gold Sector 54 Multiple bar graph showing Vehicle Sector 55 Sub divided bar graph showing Other Retail sector 56 Line graph showing Deduction 57