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Npa in Banks

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NON PERFORMING ASSETS IN BANKS

REPORT SUBMITTED TO DEI IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE FOLLOWING AWARD OF

BBM

FINANCE & MARKETING

NON PERFORMING ASSETS IN BANKS

ACKNOWLEDGEMENT

The work with this dissertation has been extensive and trying, but in the first place exciting, instructive, and fun. Without help, support, and encouragement from several persons, I would never have been able to finish this work.

First of all, I would like to thank my teacher and guide Mr. S.P.Singh who not only served as my supervisor but also encouraged and challenged me throughout my academic program. He patiently guided me through the dissertation process, never accepting less than my best efforts. His editorial advice was essential to the completion of this dissertation and has taught me innumerable lessons and insights on the workings of academic research in general.

TABLE OF CONTENTS

S.NO.TOPICPAGE NO.
1.DECLARATION FORM3
2.ACKNOWLEDGEMENT4
3.ABSTRACT6
4.INTRODUCTION
What is NPA
Basel norm I
Evolution of NPAs

8 – 12
5.LITERATURE REVIEW
Banking theory –history and banking system
Banking composition
Banking today and tomorrow

13- 33
6.COCEPTUAL ANALYSIS
Indian banking system
The problem of non performing assets
Reasons for turning an asset in NPA
Trend in NPAs

34 – 52
7.FINDINGS AND CONCLUSIONS
Impact of NPAs
Difficulties with NPA
Key structural changes
Reporting format of NPA

53- 60
8.RECOMMENDATION

61- 64
9.
REFERENCES

65

ABSTRACT
This report deals with the problem of having non-performing assets, the reasons for mounting of non-performing assets and the practices present in country for dealing with non-performing assets. “Banks are in the business of managing risk, not avoiding it……………………..” Risk is the fundamental element that drives financial behaviour. Without risk, the financial system would be vastly simplified. However, risk is...