NPA of Jammu and kashmir bank

7/24/2019 NPA of Jammu and kashmir bank

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A PROJECT REPORT ONNON-PERFORMING ASSETSIN BANKING SECTOR WITH SPECIAL REFERENCE TO J&K BANK LTD.

MR. TAFHEEM BASHIR MIRMBA (THIRD SEMESTER) (

JAMIA HAMDARD UNIVERS

SUBMITTED BY

Ram! Ta""a#$%

U#' G$*#a+



COMPANY INTRODUCTION

Jamm$ a# Ka"m*' /a0 1*m*# 2a" *+'3'a# 4" O+/+mm+# *" /$"*"" -'m 8 J$19 4565 a Ka"m*' (I#*a).

I *" a 3'*:a /a0 * 2*+ ;6< 2# /9 Jamm$ a# Ka"m*' =

R=$1a# /9 RBI a# SEBI.

L*"# * NSE a# BSE.

Ha#%$a'' - J&K /a0 *" * SRINAGAR.

J&K a" >>> /'a+" 3'a*= * I#*a



S+3 - "$#9

T ma* a*m /*# ma0*= *" '3' *" 02 2 J&KBa0 *" 3'a*= *" /$"*"" a# 2 NPA" 31a9 *" '1 3'a*". Ta?" 29 "$#9 - NPA?" /+m +""a'9 #$ a/: m*# 'a""

T9 '# +$'' 3'@" '$= 3':*"**= '%$*'m".

T9 '"$1 * '#$+# *'" *+m.

T9 '%$*' *=' 3':*"**= '%$*'m", a+*= 3'@"a# a++'* +a3*a1 -$#" a# +a3a+*9 *+'a" =#%$a1*9 '*"0 a""" * -$$', a#

T9 1*m* '+9+1*= - -$#", " * a""1*a/*1*9 m*"ma+",+.



Wa *" NPA

A 3'-'m*= a""? (NPA) 2a" #@# a" a +'#* -a+*1*9 *'"3+ - 2*+ *'" a# ' *"a1m - 3'*+*3a1 a"'ma*# 3a" #$? -' a "3+*@# 3'*# - *m.

W* a :*2 m:*= 2a'#" *'a*a1 /" 3'a+*+" a# "$' ='a' 'a"3a'+9, * a" / #+*## a#3 90 days’ overdue’ 'm -' *#*@+a* - NPA", -'m 9a'

#*= Ma'+ 64, 8.A++'#*=19, 2* + -'m Ma'+ 64,8, a 3'-'m*= a""



R"a'+ M#1=9

Objectives of the study

To analye the volu!e of NPA of the "a!!u # $ash!i% &an'(td)

To 'no* the %ecent c%edit +e%fo%!ance of the ban'

To study the %e+ay!ent ca+acity of the custo!e%)

To 'no* the +olicies that the "#$ &an' follo*s to cove% itsNPAs)

To 'no* the ill e,ects of NPAs on the +e%fo%!ance of theban's)

To et a*a%e of the con.dence a!on the custo!e%s of the "#$ &an' %ea%din the +e%fo%!ance of the ban' in %ecove%y oNPA



Resea%ch desin

R"a'+ #"*= *" ++3$a1 "'$+$' 2** 2*+'"a'+ *" +#$+#

I +"*$" /1$3'* -' +11+*, ma"$'m a#

aa19"*" - #aa.

D"+'*3*: '"a'+ *" +a''*# $ 2*+ *" 3'-''# -'

a""""m 3$'3"".

D"+'*3*: '"a'+ *+1$#" "$':9 a# -a+ @#*= %$*'*" #*' 0*#".

T ma' 3$'3" - #"+'*3*: '"a'+ *" #"+'*3* -

"a - aa*'", a" * *"" a 3'".



/ATA 0O((E0TION

Daa +11+* *" :'9 *m3'a -' +#$+*= a9 '"a'+. S$++"" ' -a*1$' - a '"a'+3'*ma'*19 #3#" #aa +11+*. Daa ma9 / +11+# /9 a9 - -112*= m#"

P'*ma'9 "$'+"

S+#a'9 "$'+"

T 3'*ma'9 "$'+" - +11+*= #aa * *" 3'+ *+1$#

P'"a1 *':*2"

$"*a*'

T13*+ *':*2"

T "+#a'9 "$'+" '$= 2*+ #aa a: / +11+# -' *" 3'+ *+1$#

-112*=

I'

N2"3a3'"

I-'ma* /'+$'" - /a0

B0" a# ma=a!*"



SAMPLING PLAN

T "am31*= 31a * *" 3'+ *" a" -112"

P3$1a* T +$"m'" - /a0.

Sam31*= $* A9 *#*:*#$a1 '"*#*= * #*"'*+ S'*a=a' - J&K"a.

Sam31 "*! 4

Sam31*= 3'+#$' +:*+ "am31*=



Daa C11+* a# Aa19"*"

.4) A' 9$ "a*"@# 2* 2a9" J&K Ba0 ='a" 1a"

a) Y"

/) NO

W* 13 - *" %$"* a am3 2a" ma# 02 2' J&K /a0 ='a" 1a" 2* a" ' a3319 "'*+"" +:' *'NPA".

N. - '"3#" 4

Y" 7

N

T #aa * a/1 *" "2 2* a +a' -' m' +1a'*@+a*



Aa19"*" T a/: +a' "2" a ma'*9 - 33$1a* *" "a*"@# 2* 2a9" J&K Ba0 '" 1a" 3$/1*+. A/$ 7< - '"3#"-a:$'# a J&K Ba0 '" m 1a" 2* a" a# 2* /a0"+*: 31*+*" * +:'" '*"0.



.) I" NPA 1:1 - JKB +'11a/1

YES

NO

CANT SAY

W* 13 - *" %$"*, 3$'3" 2a" = a2a' 2' 331 02 a

J&K Ba0" NPA 1:1 *" a a 3* 2' 9 2*11 -1 "a*"-a+'9.N. - '"3#" 4

YES ;

NO ;

CANT SAY ;

Chart 2



Aa19"*"

A-' +'**+a1 *'3'a* - #aa * *" +1a' a $= m" - '"3#" "a9 a NPA 1:1 - J&K Ba0 *" +'11a/1, "*11 ' =# 3'* - 331 2 *' "a9 a NPA 1:1 - J&K Ba0 *" +'11a/1 ' #? a: a9 021#=. A/$ ;< - '"3#" 2a:*= 021#= a/$ "$/+ a# "am am$ - '"3#"a9 a NPA 1:1 - J&K Ba0 *" +'11a/1.

YESNO

CAN'T SAY

0

5

10

15

20

25

30

35

40

45

50 50

2525

Chart 2

6) A' 3'@" - J&K Ba0 a+# /9 NPA"



.6) A' 3'@" - J&K Ba0 a+# /9 NPA "

YES

NO

CANT SAY

T ma* 3$'3" /9 3$*= *" %$"* * %$"*a*' 2a" =

'"3"" - 331 a 2a 9 -1 a/$ NPA". W'm' NPA" '#$+ 3'-'ma+ - /a0 ' .

N.- '"3#" 4

YES 6

NO 4;

CANT SAY ;;

Chart 3



YESNO

CAN'T SAY

0

5

10

15

20

25

30

35

40

45

50

55

Chart 3

percenta

Aa19"*"

8) A' NPA '#$+* +*%$" - JKB "a#a'#*!#



.8) A' NPA '#$+* +*%$" - JKB "a#a'#*!#

YES

NO

CANT SAY

T 3$'3" /9 a"0*= *" %$"* 2a" 02 2' 331 -1 a

+*%$" -' '+:'9 - NPA" a331*# /9 J&K Ba0 a' =# ' 9# / +a=#.

No) of %es+ondents 122

3es 45

No 62

0an7t say 85

Chart 4



45.00%

20.00%

35.00%

Chart 4

yes

no

can't say

Aa19"*"

T aa19"*" - a/: #aa *" ma# * *" 2a9 a ma'*9 - '"3-a:$'# a NPA '#$+* +*%$" - J&K Ba0 a' "a#a'#*!#. A 1*3'+a= - a/$ < "a9 a NPA '#$+* +*%$" - J&K Ba0 +a=# a# a/$ 6;< - '"3#" "a9 a 9 +a? "a9 a9*= 2+*%$" - JKB a' "a#a'#*!# ' .



.; D 9$ *0 a NPA 3'+a= * JKB +a / '#$+# !' 3'+

YES

NO

No) of %es+ondents 122

3es 52

No 52

Chart 10



Chart 10

YES

NO

Aa19"*" T aa19"*" - a/: #aa "2" a ' *" a /a1a+ am= '"3#"NPA 3'+a= - J&K Ba0 +a / m**m*!# !' 3'+.



FIN/INGS

J&K Ba0?" 'a* - N P'-'m*= A""" (NPA) a#:a+" "# a .< a" 64ma'+ 48. Cm3a'# 2* .<a" 64 D+m/' 46 a# .48< a" 64 Ma'+ 46

J&K Ba0?" 'a* - N P'-'m*= A"""(NPA) ='"" a#:a+" "# a 4.< a" 6ma'+ 48. Cm3a'# 2* 4.;<a" 64 D+m/' 46 a# 4.< a" 64 Ma'+ 46

T Jamm$ & Ka"m*' Ba0 a" '+'## a +"3*+$$" ='2 * #3"*" 2*+ *"

/a+0/ - a9 /a0. I a" *+'a"# *" D3"*" -'m R". 67,66>.6>+'. >4,4.7 +'.-'m 1a" @: 9a'". T a#:a+" a' a1" * *+'a"# '# -'m R" 6>,6>.4+'. *54 R" 5,66;.7+'. * 4648.

T N NPA 2a" ma*m$m * 4648 a *" 4.54< a# * 2a" m**m$m * 446

*" .;;<.

T ='"" NPA 'a* 2a" m**m$m * 4648 a *" 4.;8< a# * 2a" ma*m$m * 4

46 a *" 4.5;<.

T *+'a" * NPA +:'a= 'a* * 4648 a *" 58.4< a" #+'a"# / NNPA 'a* a# G'"" NPA 'a*.

Ba0 1#. *" a#%$a a" "$=="# /9 < - '"3#" a=' a ' *" a $=3'*# 3a9 m9 /a+0.



S:GGESTIONS

O /a"*" - @#*=" -112*= "$=="*" a: / 3':*## ++'. T Jamm$ & Ka"m*' Ba0 "$1# $*1*! I#1 -$# #+'a" NPA.

O+ a 1a /+m" 3'-'m*=, a'1*' /1#*= *" "33#, 1"" 1""" 2*11 /,2*+ *" a *'a*a119 a++3# 3'*+*31.

A +a'-$1 a# '*='$" a33'a*"a1 - /a0 a""" %$a1*9 * '1a* @a+*a1 "*$a* a" /ma# '=$1a'19.

T :'a11 /a0*= :*'m "$1# / *m3':# '$= '#$+* - =:'m *':** +'#* maa=m.

T Jamm$ & Ka"m*' Ba0 "$1# 1# m' m9 a" ' *" $= #*'+ /2 #3"*"a# a#:a+".

T Jamm$ & Ka"m*' Ba0 1#. "$1# *+'a" NPA +:'a= 'a* a# +11+* '" #+'a" NPA.

T Jamm$ & Ka"m*' Ba0 1#. "$1# 1a9 "'a=*" /" #$/-$1 a""" a" NPA :1$m -" a""" *" *+'a"*= 9a' /9 9a'.

M" - +$"m'" "$=="# a 'a - *'" +a'=# "$1# / /'$= #2 " /a0 "$1# 2'0 "'a=*" @ $3 +m3**: *'" 'a" "a*"-9 +$"m'



0onclusion

R*"0 *" 3a' - 1#*=, /$ * +a / m**m*!# /9 a0*= 3'+a$*".NPA" +a / '#$+#, *- a33'3'*a "3" a' a0 a a33'3'*a *m.H+ /a0" m$" a0 a33'3'*a "3" -' '#$+*= NPA".

I *" a12a9" 2*" -112 3'3' 31*+9 a33'a*"a1, "$3':*"* a#-112$3 - a#:a+" a:*# NPA". T /a0" "$1# 19 a0 "3-' '#$+*= 3'" NPA", /$ +""a'9 3'+a$* "$1# a1" / a0

a:*# -$$' NPA".

F' a9 /a0 "': * *" +m3**: 2'1# * a" "$' a *"3'-'m*= a""" a' m**m*!# /9 *m3':*= 2 "'a=*" +'#* +11+* -'m +$"m'".



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NPA of Jammu and kashmir bank