This Book discusses the concept of non-performing assets, the evaluation of credit risk, its significance, the quantification and monitoring of credit risk, and the study of action plan to mitigate the non-performing assets. The term NPA is explained and classified into various sub categories. Then the discussion is followed by key topics like asset classification, internal system for classification of assets as NPA, originating factors for the NPAs, Vehicles for NPA recovery, restructuring/ rescheduling of loans, and impact of NPAs. We will also throw a light on the Basel Recommendations and...

Public sector enterprises were seen as white elephants and cash cows during the 1960s 70s and 80s. After the liberalization from the early 90s the continuous losses, operational and administrative inefficiencies have created a number of problems for them. However at the same time, so many companies in the public sector are still doing well and contributing significantly to the exchequer, even though the dominance is in the hands of the private sector. This is because of their strengths like clear balance sheets and accountability and the fact that they are in the core sectors. In the stock...

This Book focuses on the Credit and Risk Analysis carried out by the Banks during appraisal of a loan proposals for Large Corporates i.e., with a turnover of above 500 crores. The Book focusses about the fundamental aspects involved in the Credit Appraisal and associated Risk Management. The Book deals from the perspective of a Bank and the Regulatory Norms as stipulated by the Regulator of Banking System in India i.e., Reserve Bank of India. The report is a descriptive study with basic objective of understanding procedural aspects involved in the Credit Appraisal and Risk Management before...

Finance was not considered so important for business organizations before the industrial revolution because methods of productions were very simple, labor was more important than capital and finance at that time. So these things didn t create any problems. Nowadays finance is considered as the life blood of every business and achieved the most important place in today s business. Any business whether large scale or small scale requires finance for its operations. So many businesses approach the lending institutions at some point or the other in order to get some finance in terms of loans. A...