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Pasha, Mohammed Arif
- Basel Norms and Indian Banking Sector
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Authors
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1 Department-MBA Programme, Brindavan College, Bengaluru 560 063, IN
1 Department-MBA Programme, Brindavan College, Bengaluru 560 063, IN
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DHARANA - Bhavan's International Journal of Business, Vol 7, No 2 (2013), Pagination: 78-86Abstract
This synoptic paper outlines the growth of Indian commercial banking sector and examines impact of Basel norms on the same. In this process, the preparedness of banks and related issues are examined through a survey of bank personnel. The recent trends in CAR and NPA of the banks are also pointed out. A few conclusions are derived and some recommendations are made. The scope for further work is indicated.Keywords
Bank for International Settlements(BIS), Basel Committee on Banking Supervision (BCBS), Basel Norms, Capital Adequacy Ratio(CAR), Capital to Risk-Assets Ratio(CRAR), Credit Risk, Market Discipline (MD), Market Risk, Minimum Capital Requirements (MCR), Non-Performing Assets (NPA), Operational Risk, Supervisory Review Process (SRP).References
- Chandrashekar 2010, “Manipulating Basel III”, Economic and
- Political Review, Vol XLV, No 37.
- Kasturi Nageswara Rao 2000, “NPAs-Ground realities”,
- chartered Financial Analyst, April, p.p. 43-46.
- Leeladhar, V., 2007, “India’s preparedness for Basel II
- Implementation”, Special Address delivered by Deputy
- Governor, Reserve Bank of India at the Panel Discussion
- during “FICCI-IBA Conference on Global Banking : Paradigm
- Shift”, held on September 13.
- Mandira Sarma and Yuko Nikaido 2007, “Capital Adequacy
- Regime in India: An Overview”, Working Paper No. 196,
- Indian Council for Research on International Economic
- Relations.
- Minaxi Dhariwal 2006, “Risk Management and Basel II,
- Journal of Bank Management”, December.
- Mishra RN 2004, “Basel II: Pillar 2 - The Supervisory Review
- process” Professional Banker, June.
- Murthy S S N & Bhaskar Sharma, 2011 “Basel III Norms:
- Implications on Banking System”, The analyst, IUP, January.
- Ramakrishnan.K., 2007 “Basel-II Implementation and Risk
- Management”, The Indian Banker, December.
- Reddy K.P. 2002, “A comparative Study of Non-performing
- Assets in India in the Global Context: Similarities and
- Dissimilarities, remedial measure”, IIM Ahmedabad, India
- Research, 20(2-3), 107-119.
- Reddy Y.V. 2006, “Challenges and implications of Basel II for
- Asia”, Speech by Governor, Reserve Bank of India at Asian
- Development Bank's 39th Annual Meeting in Hyderabad on
- May 3, 2006
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- Pp 50-62.
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- , The Hindu.
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- Regualtion and Credit Growth in Indian Banks”, Amity
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- Non-Performing Assets of Indian Commercial Banks:A Critical Evaluation
Abstract Views :157 |
PDF Views:76
Authors
Affiliations
1 Department of MBA, Brindavan College, Yelahanka, Bangalore, IN
1 Department of MBA, Brindavan College, Yelahanka, Bangalore, IN
Source
DHARANA - Bhavan's International Journal of Business, Vol 8, No 1 (2014), Pagination: 3-10Abstract
The issue of Non-Performing Assets (NPA) in the banks is discussed. The magnitude and trend in NPA are studied for the 5 year period 2008-13, using a suitable classification of the banks. A critical evaluation of the reasons and a few recommendations are made which have positive practical implications.Keywords
Asset Quality, Capital Adequacy Ratio, Development Envelopment Analysis, Doubtful Assets, Financial Intermediation, Financial Sector Reforms, Interest Rate Spread, Loan Servicing and Collateral, Loss Assets, Non-Performing Assets, Private Sector Banks, PuReferences
- Bloem, A.M. and Cornelis N. Gorters (2001): The Macroeconomic Statically Treatment of Nonperforming Loans, Discussion Paper, Statistics Department of the International Monetary Fund, December.
- Das, A. and Ghosh, S. (2003): Determinants of Credit Risk, paper presented at the Conference on Money Risk and Investment held at Nottingham Trent University (November).
- Ghosh, S (2005). Does Leverage Influence Bank’s Non-Performing Loan?: Evidences from India.
- Applied Economic Letters, 12 (15): 913-18.
- Ranjana Kumar (2004) “Move towards Risk Based Supervision of Banks: The Role of the Central Banker and the Market Players, Vinimaya, Vol. XXIV, No.1, NIBM Publication, pp 5-12 5. Mohan Rakesh (2004): Finance for Industrial Growth Reserve Bank Of India Bulletin Speech Article (March).
- Vohra, P.S and Dhamu, J. (2012): NPA management-Always a critical issue for banking industry. Journal of banking, information and management. 9(2), 25-32