Non-performing Assets of Central Bank of India: An Empirical Study

Periodic Research (P: ISSN No. 2231-0045 RNI No. UPBIL/2012/55438 VOL.-6, ISSUE-4, May-2018 E: ISSN No. 2349-9435)


Abstract



Deepak Kumar

 Assistant Professor, Deptt.of Business Administration, L.N.Mishra College of Business Management, Muzaffarpur, Bihar, India



Bhanu Pratap 

Assistant Professor, Deptt.of Business Administration, L.N.Mishra College of Business Management, Muzaffarpur, Bihar, India



Ajay Kumar

 Assistant Professor, Deptt.of Business Administration, L.N.Mishra College of Business Management, Muzaffarpur,Bihar, India

Banks are an essential link (a source of finance) and an intermediary for the smooth functioning of our economy. Through financing and providing loans it greases the different areas of the economy. But when loans are not recovered in time, it takes the shape of Non-Performing Assets badly affecting the profitability and health of the bank. This paper focuses on the financial health of the Central Bank of India in terms of comparison of total advances, Net Profit, Gross NPA and Net NPA of Central Bank of India. The paper explicitly establishes relationship between Net Profit and Net NPA of Central Bank of India using Karl Pearson’s co-efficient of Correlation. The paper highlights the valuable suggestions in terms of categorizing defaulter into different categories, strengthen the debt recovery mechanism, rescheduling of loan and advances e.t.c. The paper includes PCA (Prompt Corrective Action) to check the deterioration of the loans into Non-Performing Assets which like a panacea for management of loans.

for full paper please visit below link :

http://www.socialresearchfoundation.com/upoadreserchpapers/2/213/1908121004021st%20deepak%20kumar.pdf

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