Siraj, K K; Dr.Sudarsanan, Pillai P(Cochin University of Science And Technology, February , 2014)
[+]
[-]
Abstract:
The reforms in Indian banking sector since 1991 is deliberated mostly in
terms of the significant measures that were implemented in order to develop a
more vibrant, healthy, stable and efficient banking sector in India. The effect of a
highly regulated banking environment on asset quality, productivity and
performance of banks necessitated the reform process and resulted the
incorporation of prudential norms for income recognition, asset classification
and provisioning and capital adequacy norms, in line with international best
practices. The improvements in asset quality and a reduction in non-performing
assets were the primary objective enunciated in the reform measures. In this
context, the present research critically evaluates the trend in movement of nonperforming
assets of public sector banks in India during the period 2000-01 to
2011-12, thereby facilitates an evaluation of the effectiveness of NPA
management in the post-millennium period. The non-performing assets is not a
function of loan/advance alone, but is influenced by other bank performance
indicators and also by the macroeconomic variables. In addition to explaining
the trend in the movement of NPA, this research also explained the moderating
and mediating role of various bank performance and macroeconomic indicators
on incidence of NPA
Description:
School of Management Studies
Cochin University of Science and Technology