Non Performing Assets
1. a. EXECUTIVE SUMMARY
The project is entitled “A study on The Management of Non-Performing Assets in the Canara Bank’s Loan Portfolio” is done at the Canara Bank, Donimalai Township, Sandur (TQ), Bellary (Dist), Karnataka State.
INTRODUCTION:
An efficient financial management is becoming inevitable for every manager in today’s corporate world. From a traditional aspect of raising funds whenever needed the importance has shifted to day to day financial decision making and problem solving. When initially the stress was on the internal analysis of the firm, procurement of funds, management of assets and allocation of capital, the present importance has shifted to decision making within the firm. With the modern aspect of finance function the responsibilities of the finance manager has also increased. In the process of making optional decision, he makes use of certain analytical tools in the analysis, planning and control activities of the firm. Financial analysis is an essential prerequisite for making sound financial decisions.
This study is intended to probe into the management of non performing assets in the Canara Bank’s Loan Portfolio, for the period of 2002-2003 to 2005-2006. The study is completely based on the analysis and interpretation of the published accounts of the bank and personal interview of the senior officials of the bank.
OBJECTIVES OF THE STUDY:
➢ To evaluate the Canara Bank’s asset quality. ➢ To identify the effectiveness of the risk management system, undertaken by the bank.
SCOPE OF THE STUDY:
➢ The scope of the study here was confined to the organization only. ➢ The study covers to find out the strategy required to reduce the NPAs.
METHODOLOGY OF THE STUDY:
➢ Primary data. ➢ Secondary data.
DATA ANALYSIS AND INTERPRETATION:
When the data collected is completed the data is processed and the relevant information is obtained. The data collected is analyzed using various statistical
The project is entitled “A study on The Management of Non-Performing Assets in the Canara Bank’s Loan Portfolio” is done at the Canara Bank, Donimalai Township, Sandur (TQ), Bellary (Dist), Karnataka State.
INTRODUCTION:
An efficient financial management is becoming inevitable for every manager in today’s corporate world. From a traditional aspect of raising funds whenever needed the importance has shifted to day to day financial decision making and problem solving. When initially the stress was on the internal analysis of the firm, procurement of funds, management of assets and allocation of capital, the present importance has shifted to decision making within the firm. With the modern aspect of finance function the responsibilities of the finance manager has also increased. In the process of making optional decision, he makes use of certain analytical tools in the analysis, planning and control activities of the firm. Financial analysis is an essential prerequisite for making sound financial decisions.
This study is intended to probe into the management of non performing assets in the Canara Bank’s Loan Portfolio, for the period of 2002-2003 to 2005-2006. The study is completely based on the analysis and interpretation of the published accounts of the bank and personal interview of the senior officials of the bank.
OBJECTIVES OF THE STUDY:
➢ To evaluate the Canara Bank’s asset quality. ➢ To identify the effectiveness of the risk management system, undertaken by the bank.
SCOPE OF THE STUDY:
➢ The scope of the study here was confined to the organization only. ➢ The study covers to find out the strategy required to reduce the NPAs.
METHODOLOGY OF THE STUDY:
➢ Primary data. ➢ Secondary data.
DATA ANALYSIS AND INTERPRETATION:
When the data collected is completed the data is processed and the relevant information is obtained. The data collected is analyzed using various statistical