final semester mba banking project headlines

7/31/2019 Final Semester Mba Banking Project Headlines

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A STUDY

ON

NON-PERFORMING ASSET AT

THE BANGALORE CITY CO-OPERATIVE BANK

LTD. BANGALORE

A project report submitted in partial fulfillment of the requirements for

Masters of Business Administration

Of Sikkim Manipal University, INDIA

Submitted By

NAGARATHNA . S

Guided By

Mr. Lokesh T.C

Sikkim Manipal University

Health Medical & Technological SciencesDistance Education Wing

MANIPAL - 576104


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HEALTH, MEDICAL & TECHNOLOGICAL SCIENCESMANIPAL

CERTIFICATE

This is to certify that the project work entitled

STUDY ON NON-PERFORMING ASSET ATTHE BANGALORE CITY CO-OPERATIVE BANK

LTD.

BANGALORE

is the bonafide record of work done by

NAGARATHNA . S

in partial fulfillment of the requirements for the award of the degree of

Master OF Business Administration

during the academic year

2012

Name of the candidate:Nagarathna.SRegister Number: 521023258

Study Center: 02772

Signature of the Co-ordinator


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DECLARATION

I hereby declare that the project report entitled

STUDY ON NON-PERFORMING ASSET AT


LTD. BANGALORE

Submitted in partial fulfillment of the requirements for

the degree of


To Sikkim Manipal University, India, is my original work

and not submitted for the award of any other degree, diploma,

fellowship, or any other similar title or prizes.

Place:Bangalore Nagarathna.SDate: 5th June 2012 Reg.No. ; 521023258


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Learning Centre Certificate

This is to certify that the project report entitled

STUDY ON NON-PERFORMING ASSET AT


LTD. BANGALORE

Submitted in partial fulfillment of the requirements for thedegree of


Sikkim Manipal university of Health, Medical andTechnological Sciences

Nagarathna .S

Has worked under my supervision and guidance and that of this

report has been submitted for the award of any other degree,

diploma, fellowship, or any other similar title or prizes and that the

work has not been published in any journal or Magazine.

(Reg. No ) Certified

521023258


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ACKNOWLEDGEMENT

I express my deep sense of gratitude to N.MANJUNATHA General

Manger, Bangalore, for permitting me to carry out this project work in

their esteemed organization.

I take great pleasure in thanking my Internal Project guide, Mr. Lokesh

T.C, for his valuable guidance, advice, encouragement and constructive

suggestions thought this project.

I take this opportunity to thank my beloved parents and my entire family

who have given me all the necessary financial and moral support during

the course of this project.

I would want to extend my profound sense of gratitude to everyone who

has helped me during the course of this project. I especially grateful to

my respondents who have provided me the essential and valuable

information needed for the successful completion of this project.

NAGARATHNA .S


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CONTENTS

CHAPTER 1: INTRODUCTION OF THE TOPIC

Chapter Scheme 1

Introduction about banking industry 5

Co-operative Banks 13

Evolution of Co-operative Banks 17

Definition and Features of Co-operative

Bank19

Structure of Co-operative Bank 20

Introduction to Non-Performing Assets 25

RBI Prudential Norms on the

recommendations of the Narasimham

Committee in the year 1992-9332

Impact of Non-Performing Assets 34

General causes of Non- Performing Assets 35

Measures to tackle Non-Performing Assets 36

Introduction to Securitization Act 2002 40


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CHAPTER 2: DESIGN OF THE STUDY

Title of the Study 43

Statement of the Problem 44

Needs & Importance of the study 44

Objectives of the study 45

Scope of the Study 45

Methodology of the study 46

Tools for the collection of data 46

Limitations of the study 47

Reference Period 47

CHAPTER 3: BANK PROFILE

History of The BCCBL 48


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Trade mark of the Bank 49

Goals & Objectives 50

Vision Statement 52

Organization chart of the Bank 53

Branches 54

Awards and Competitors Information 55

Bank Administrative Committee 56

CHAPTER 4: ANALYSIS & INTERPRETATION

Reasons for NPAs in the bank 62

Measures for the recovery of NPAs adopted

by the bank63

Analysis and interpretation of the Study 63 - 101

LIST OF TABLESSL.No Table Title Page

No.

4.1 Classification of NPA 65


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4.2 Gross NPA Ratio 68

4.3 Net NPA Ratio 70

4.4 Problem Asset Ratio 72

4.5 Provision Ratio 74

4.6 Sub- Standard Assets Ratio 76

4.7 Doubtful Assets Ratio 78

4.8 Percentage of total NPA to total Advances 81

4.9

Percentage of Total NPA in Long term loans to

totaladvances given in Long Term Loan

83

4.10 Percentage of Total NPA in Short term loans toadvances given in Short Term Loans

85

4.11 Percentage of NPA in other loans to totaladvances given in other loans

87

4.12 Percentage change in NPA to total advances 89

4.13 Percentage change in NPA in Long term loans 91

4.14 Percentage change in NPA in short term loans 93

4.15 Percentage change in NPA in other loans 94

4.16 Comparison of NPA to advances in Short termloans and total advances

97

4.17 Comparison of NPA to advances in Short termloans and Total advances

99

4.18 Comparison of NPA to advances in other loansand total advances

101

LIST OF GRAPHS

SL.No Table Title Page

No.4.10 Classification of NPA 66

4.11 Gross NPA Ratio 67

4.12 Net NPA Ratio 71


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4.13 Problem Asset Ratio 73

4.14 Provision Ratio 75

4.15 Sub- Standard Assets Ratio 76

4.16 Doubtful Assets Ratio 77

4.17 Percentage of total NPA to total Advances 82

4.18Percentage of Total NPA in Long term loans tototaladvances given in Long Term Loan

84

4.10 Percentage of Total NPA in Short term loans toadvances given in Short Term Loans

86

4.11 Percentage of NPA in other loans to totaladvances given in other loans

88

4.12 Percentage change in NPA to total advances 90

4.13 Percentage change in NPA in Long term loans 92

4.14 Percentage change in NPA in short term loans 94

4.15 Percentage change in NPA in other loans 95

4.16 Comparison of NPA to advances in Short termloans and total advances

98

4.17 Comparison of NPA to advances in Short termloans and Total advances

100

4.18 Comparison of NPA to advances in other loansand total advances

102

CHAPTER 6: SUMMARY OF FINDINGS

Summary of findings 104

CHAPTER 7: SUGGESTIONS

Suggestions 107


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CHAPTER 7: CONCLUSION

Conclusions 110

CHAPTER 8: ANEXURE

Annexure 112

CHAPTER 9: BIBLIOGRAPHY

Bibliography 115

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