A Study of Non-Performing Assets of Udhagamandalam Co-operative Urban Bank Ltd.
Authors: Dr K Vijaya Venkateswari, S Vidhya
Country: India View / Download Full Text PDF File
Abstract: Banks play an important role in the provision of financial services to the public and contribute tremendously to economic development of a country. Though they are growth drivers, the banking business is exposed to various risk, such as credit risk, liquidity risk, interest risk, market risk, operational risk and management risk. Apart from these risks the very important risk of banks is loan recovery. The sound financial position of a bank depends upon the recovery of loans or its level of Non-Performing assets (NPAs). Reduced NPAs generally gives the impression that banks have strengthened their credit appraisal processes over the years and growth in NPAs involves the necessity of provisions, which bring down the overall profitability of banks. The Indian banking sector is facing a serious problem of NPA. The magnitude of NPA is comparatively higher in public sectors banks compared to private sector banks. This paper intends to study the NPAs of Udhagamandalam Co-operative Urban Bank Ltd.
Keywords: NPA, Banking Sector, Credit risk, Doubtful assets.
Paper Id: 386
Published On: 2018-12-08
Published In: Volume 6, Issue 6, November-December 2018
Cite This: A Study of Non-Performing Assets of Udhagamandalam Co-operative Urban Bank Ltd. - Dr K Vijaya Venkateswari, S Vidhya - IJIRMPS Volume 6, Issue 6, November-December 2018. DOI 10.17605/OSF.IO/SDY4H