Volume : III, Issue : V, May - 2014

NPAS and Written off Accounts in India

Parameshwara

Abstract :

Directed lending has created recovery problems to the commercial banks in India. Leading to high level of NPAs that has resulted in negative impact on their profitability due to the necessity of provisions, recoveries and write offs as per RBI guidelines. NPAs also negatively impact the capital adequacy ratio, net worth and credibility of banks. Rising NPAs have direct impact on the bottom line as legally banks cannot book income on such accounts. Indian banks have to play more proactive role in minimising the level of NPAs. Foreign banks and private banks are more effective in recovering the due amount from the defaulters compared to Public sector banks. Write off of NPAs may not be a solution for the problem. The success of lending and recovery is possible only through the proper attention and concerted efforts by all stakeholders like regulators, policy makers, banks and bank customers.  

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

Cite This Article:

PROSPECTIVE ANALYSIS OF OUTCOMES OF OPERATED SUBAXIAL CERVICAL SPINE INJURIES, Rahul Kumar Singh, Chhewang Topgia, Abhishek Pandey GLOBAL JOURNAL FOR RESEARCH ANALYSIS : Volume-9 | Issue-7 | July-2020


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