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Isbm University: "A Study On Non-Performing Assets at The Bangalore City Co-Operative Bank LTD."

This document is a project report on non-performing assets at Bangalore City Co-Operative Bank Ltd. It includes an executive summary that outlines the objectives of analyzing the bank's NPA levels, identifying issues, studying the impact on profits, and understanding steps taken to reduce NPAs. The report contains chapters on the industry and company profile, theoretical background, data analysis and interpretation, findings, suggestions, and conclusions. Data is sourced through interviews and secondary sources and analyzed using tables, graphs, and calculations. Conclusions are drawn and recommendations are provided.

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255 views7 pages

Isbm University: "A Study On Non-Performing Assets at The Bangalore City Co-Operative Bank LTD."

This document is a project report on non-performing assets at Bangalore City Co-Operative Bank Ltd. It includes an executive summary that outlines the objectives of analyzing the bank's NPA levels, identifying issues, studying the impact on profits, and understanding steps taken to reduce NPAs. The report contains chapters on the industry and company profile, theoretical background, data analysis and interpretation, findings, suggestions, and conclusions. Data is sourced through interviews and secondary sources and analyzed using tables, graphs, and calculations. Conclusions are drawn and recommendations are provided.

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Project Report on

“A STUDY ON NON-PERFORMING ASSETS AT THE

BANGALORE CITY CO-OPERATIVE BANK LTD.”

BY

ASMIT RANJAN

(ENROLLMENT NO. :- 2011A0250441)

Under the guidance of

MR. SUNIL KUMAR

ISBM UNIVERSITY
In partial fulfilments of the requirements for the award of the degree of

MASTERS OF BUSSINESS ADMINISTRATION


DECLARATION BY THE CANDIDATE

I hereby declare that this dissertation entitled “A STUDY ON NON-


PERFORMING ASSETS AT THE BANGALORE CITY CO-
OPERATIVE BANK LTD.” is a bonafide and genuine research work
carried out by me under the guidance MR. SUNIL KUMAR a
faculty of ISBM UNIVERSITY.

DATE:

PLACE:-

Signature of the candidate


ASMIT RANJAN
CERTIFICATE BY THE GUIDE

This is to certify that the dissertation entitled “A STUDY ON NON-

PERFORMING ASSETS AT THE BANGALORE CITY CO-

OPERATIVE BANK LTD.” is a bonafide work done by ASMIT RANJAN,

under our direct supervision and guidance in partial fulfilment of the

requirement for the Degree of MASTER OF BUSINESS

ADMINISTRATION.

Date:

ASMIT RANJAN
Enrollment No:
2011A0250441
CONTENTS

Serial No. Particulars Page No.


Executive Summary
1 Introduction
1.1 About the Internship Topic 1
1.2 chosen for the studyNeed 2
1.3 for the study Objective of 2
1.4 the study Scope of the study 2
1.5 Research Methodology 3
1.6 Literature Review 3
1.7 Limitations of the study 3-7
1.8 7

2 Industry and Company Profile


2.1 Industry Profile 8-11
2.2 Company profile 11-13
2.2.1 Vision, Mission and Quality Policy 13-14
2.2.2 Products/Services profile 14-15
2.2.3 Areas of operation 15-16
2.2.4 Infrastructure facilities 16
2.2.5 Competitors Information 16
2.2.6 SWOT Analysis 17-18
2.2.7 Future Growth and Prospects 18
2.2.8 Financial Statements 19-20

3 Theoretical background of the study 21-29


4 Data analysis and Interpretation 30-52
5 Summary of Findings, Suggestions and Conclusion 53-55
Annexure
Bibliography
LIST OF TABLES

Table No. Table Name Page No.


4.1 Table showing the Non-Performing Assets from 2011-15 30
4.2 Table showing the Percentage of Non-Performing Assets from 31
2011-15
4.3 Table showing the Total Advances of the bank from 2011-15 32
4.4 Table showing the comparative percentage of Gross Non- 33
Performing Assets of the bank with other banks from 2011-15
4.5 Table showing the comparative percentage of Net Non- 34
Performing Assets of the bank with other banks from 2011-15
4.6 Table showing the Gross Non-Performing Assets of the bank from 35
2011-15
4.7 Table showing the Net Non-Performing Assets against the Total 37
Advances of the bank from 2011-15
4.8 Table showing the Sub-standard Assets Ratio of the bank from 39
2011-15
4.9 Table showing the Doubtful Assets Ratio of the bank from 41
2011-15
4.10 Table showing the Provision Coverage Ratio of the bank from 43
2011-15
4.11 Table showing the Credit to Deposit Ratio of the bank from 45
2011-15
4.12 Table showing the Problem Assets Ratio of the bank from 47
2011-15
4.13 Table showing the Shareholders’ Risk Ratio of the bank from 49
2011-15
4.14 Table showing the computed values of correlation variables x, y. 51-52
From 2011-15
LIST OF GRAPHS

Table No. Table Name Page No.


4.1 Graph showing the Non-Performing Assets from 2011-15 30
4.2 Graph showing the Percentage of Non-Performing Assets from 31
2011-15
4.3 Graph showing the Total Advances of the bank from 2011-15 32
4.4 Graph showing the comparative percentage of Gross Non- 33
Performing Assets of the bank with other banks from 2011-15
4.5 Graph showing the comparative percentage of Net Non- 34
Performing Assets of the bank with other banks from 2011-15
4.6 Graph showing the Gross Non-Performing Assets of the bank 36
from 2011-15
4.7 Graph showing the Net Non-Performing Assets against the Total 38
Advances of the bank from 2011-15
4.8 Graph showing the Sub-standard Assets Ratio of the bank from 40
2011-15
4.9 Graph showing the Doubtful Assets Ratio of the bank from 42
2011-15
4.10 Graph showing the Provision Coverage Ratio of the bank from 44
2011-15
4.11 Graph showing the Credit to Deposit Ratio of the bank from 46
2011-15
4.12 Graph showing the Problem Assets Ratio of the bank from 48
2011-15
4.13 Graph showing the Shareholders’ Risk Ratio of the bank from 50
2011-15
EXECUTIVE SUMMARY

Non-Performing Assets have turned to be a major stumbling block affecting the profitability
of Indian banks. Before 1992, banks did not disclose the bad debts sustained and provisions,
made by them fearing that it may have an adverse effect. Owing to the low level of
profitability, bank owned funds had to be strengthened by repeated infusion of additional
capital by the government. The introduction of prudential norms by The Reserve Bank of
India strengthened the banks’ financial position and enhanced transparency is considered to
be a milestone measure in the financial sector reforms. These prudential norms relate to
Income recognition. Asset classification, provision for Bad and Doubtful debts and Capital
adequacy.

An Exploratory study was adopted to achieve the objectives of the study, and the study was
conducted in The Bangalore City Co-Operative Bank Ltd., Bangalore on “Non-Performing
Assets”. The general objective of the study was to analyse the Non-Performing Asset level in
The Bangalore City Co-Operative Bank. However the study was conducted with the
following specific objectives:

1. To analyses the Non-Performing Assets level of BCCB Ltd.

2. To identify the nature of the problems associated with Non-Performing Assets.


3. To study the impact of Non-Performing Assets on the profitability of the firm.
4. To know what steps are being taken by BCCB Ltd. to reduce their Non-Performing Assets?
The major limitation of the study was the paucity of time. Even then, maximum care has
been taken to arrive at appropriate conclusion. The method adopted for collection of data
was personal interview with bank officials. It was also sourced from the secondary data.
After collecting data from the respective sources, analysis & interpretation of data has been
made.

Based on the findings, logical conclusions are drawn and future suitable suggestions and
recommendations are bought out. The entire project is presented in the form of a report
using chapter scheme in a logical sequence from Introduction to Annexure & Bibliography.

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