TABLE OF CONTENTS
Chap. No. 1. 1.1 1.2 1.3 1.4 1.5 1.6 2. 2.1 2.2 2.3 2.4 2.5 2.6 2.7 2.8 2.9 3. 3.1 3.2 3.3 3.4 3.5 3.6 3.7 3.8 3.9 3.10 INTRODUCTION Meaning of NPAs NPAs: An Issue For Banks And FIs In India Factors For Rise In NPAs Problems Due To NPAs Types of NPAs Global development and NPAs RESEARCH DESIGN Background Literature Review Statement of the Problem Need & Importance of the study Objectives Scope of the study Operational Definitions Research Methodology Limitations of the study INDUSTRY PROFILE Definition of banking business History of Indian banking Initial phase of Nationalization Types of Banks and their introduction NPAs in Indian Banking system Reasons for the existence of huge level of NPAs in the Indian banking system (ibs): RBI guidelines on income recognition (interest income on NPAs) Assets Classification Impact of excess liquidity High cost of funds due to NPAs: CONTENTS EXECUTIVE SUMMARY Page No. 1-2 3 3-4 4 4-9 9-10 11 12 13 13 13-15 15 15 16 16 16-17 17 18 19 19 20-24 24-25 25-37 37-40 40-42 43-46 46-47 48 49
3.11 3.12 3.13 3.14 3.15 3.16 3.17 3.18 3.19 3.20 3.21 4.
Provisioning Norms Impact of NPAs Early symptoms for recognize performing tuning into non performing assets Preventive Measurement for NPA Tools for recovery of NPAs Restructuring / Rescheduling of Loans Future of the Indian banking industry Challenges for the future Global development Special Cases Role of ARCIL ANALYSIS & INTERPRETATION Introduction
50-59 59-60 60-61 61-64 65-76 77-81 81-82 82 83 83-89 89-90 91 91 91-92 92-93 93-94 94-95 95-96 96-97 97-98 98-99 99-100 100 101 102 103-104
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
Deposit-investment-advances analysis private sector Deposit-investment-advances for public sector Comparison between ICICI bank and Punjab national bank in term of deposit-investment-advances: Gross NPA and Net NPAs Gross NPA and Net NPA of Public sector Banks in year 2007-08 Gross NPA and Net NPA of Public sector Banks in year 2008-09 Gross NPA and Net NPA Of different Private Sector banks in the year 2007-08 Gross NPA and Net NPA Of different Private Sector banks in the year 2007-08 Comparison of GROSS NPA with Public and Private sectors banks for the year 2007-08 Comparison of Net NPAs with public and private sectors banks for the year 2007-08 Priority non priority private sector banks sector Priority non priority private sector banks sector Comparison between private and public banks on NPA in both Priority and non priority.
5. 5.1 5.2 5.3 5.4
SUMMARY OF FINDINGS, CONCLUSIONS & SUGGESTIONS Introduction Summary of Findings Conclusions Suggestions MY LEARNINGS BIBLIOGRAPHY
105 105 105-107 108-112 112-113 114 115-116