Performance of non-performing assets of Nagpur district Central Co-operative Bank

KOMAL R. BHASKAR, V. O. BONDHARE, P. S. DESHMUKH
2016 INTERNATIONAL JOURNAL OF COMMERCE AND BUSINESS MANAGEMENT  
Non-Performing Assets are one of the major concerns for co-operative Banks in India. A High level of NPAs suggest high probability of a large number of credit defaults that affect the profitability and net-worth of co-operative banks and also erodes the value of the asset. The problem of NPA is not only affecting the co-operative bank but also the whole Indian economy As the level of NPAs to total credit increases the liquidity risk also increases. Thus reduction of NPAs is essential to speed
more » ... ssential to speed up the growth and profitability of banks. The NPA problem is the result of monitoring overdues to various factors like weak monitoring, poor credit appraisal system, loan waiver scheme and mis-utilization of loan etc.,The strong co-operative banking is important for successful country's economy. This paper deals with understanding of the magnitude of NPAs in co-operative banks and major causes for an account becoming Non-performing in co-operative banks and concluding remarks.
doi:10.15740/has/ijcbm/9.2/214-219 fatcat:z4qkaxwnkrhj5gltld7r4pqkqm