A project has been prepared under the title of ‘Non Performing Assets in Surat’. First of all the information regarding the banking industry is given. In that various facts regarding the bank industry is being provided. Also the various types of non performing assets. The brief introduction of non performing assets is given. In this the definition, various benefits, objective, limitation etc. are mentioned. Then a analysis of data is made. Then the objective of doing the project is mentioned.
After that analysis comes. At the last me find Conclusion & Suggestion. Then comes “facts and finding” part. In this part first of all the details about the non performing assets by me is given. Then a comparison is made among the three companies selected by me on various parameters.
Research is a one kind of process to get knowledge about some topic. Research is done so that systematic analysis can be done and problem can also be solved.
TITLE OF STUDY
Here it is “NON-PERFORMING ASSETS”
BENEFITS FROM THE STUDY
©. It helps me to know more about NPA and the situation of NPA in bank. ©. It helps me to know the strategies adopted by banks to reduce the NPA level and to understand the NPA provisions norms in bank.
NPA always affect the profit of bank and also the prestige of bank. So here the research problem is to identify the causes for the NPA and to identify the action plan to reduce the NPA.
Here the research design is exploratory which helps me to explore the NPA problem of bank.
As a research instrument I have taken guidance from the CEO of City bank and also my faculty of college. DATA COLLECTION
( Primary Data
( Secondary Data
Hence it is an exploratory research their is not any dependence on primary data. Sources of secondary data(
1. Annual report
ANALYSIS AND REPORT WRITING
Here I have done ratio analysis and used various charts for analysis purpose. And also I have written report on it.
Some objectives for the selection of this project are as follows
©. To study and understand the concept of NPA
©. To analyze the banks policy to recover the level of NPA
©. To understand the effect of NPA on banks profit and its prestige
©. To understand how corrective measures taken by bank for NPA
©. To understand RBI’S rules and regulations for the control of NPA
©. To understand the credit appraisal policy and NPA recovery policy of bank
LIMITATION OF PROJECT
( Some times bank officer was hesitant to give all data on NPA.
( I have selected only one bank for NPA which is very small sample size.
( I face difficulty in doing proper analysis as I don’t have prior experience for making project report.
DEFINITION OF BANK
“An organization, usually a corporation, chartered by a state or federal government, which does most or all of the following: receives demand deposits and time deposits, honors instruments drawn on them, and pays interest on them; discounts notes, makes loans, and invests in securities; collects checks, drafts, and notes; certifies depositor's checks; and issues drafts and cashier's checks.” DEFINITION OF BANKING
In general terms, “The business activity of accepting and safeguarding money owned by other individuals and entities, and then lending out this money in order to earn a profit” So we can say that Banking is a company, which transacts the business of banking. The Banking Regulations Acts defines the business as banking by stating the essential function of a banker. The term banking is defined as “Accepting for the purpose of leading or investment,...