Volume : IV, Issue : VIII, August - 2015

Recovery Management in Indian Commercial Banks

Vasantha Kumari, Dinesha G A

Abstract :

Banks have traditionally played the key role in the financial system by acting as financial intermediaries between ultimate servers and borrowers. With liberalization competition among commercial banks have increased to lure the customers. They are competing among themselves to attract more and more prospective applicants for loans; in their quest for attracting more and more customers for loans most of the banks have sanctioned loans without taking applicants capacity to repay loan its consideration. The result is forming of NPAs. It is the most worrying aspect as banks are expected to follow prudential norms quoted in Basel I, II and III norms. Present study has made an attempt to analyse the level of NPAs in Indian commercial Banks with available data using simple statistical tools. The study has found all sectors’ banks on an average have maintained above 96 percent standard assets. Private sector banks have maintained standardness above 97 percent. However, in foreign Banks, Doubtful assets have increased from Rs. 698 crores (0.7%) in 2006 to Rs. 2113 crores (1.1%).

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Article: Download PDF    DOI : https://www.doi.org/10.36106/gjra  

Cite This Article:

Vasantha Kumari, Dinesha G A Recovery Management in Indian Commercial Banks Global Journal For Research Analysis, Vol: 4, Issue: 8 August 2015

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