S No.

Contents

Page No.

Foreword

Prologue

1

Chapter-1:  Introductory Introduction

1-28

Introduction
Previous Studies on Asset Quality and Non-Performing Assets of Banks
Studies in Abroad
Studies in lndimi Context
The Study Area: A Brief  Profile
Objectives of the Study
Hypotheses Framed
Research Methodology
Periodicity of  the Study
Limitation of  the Study
Display of  the Study

2

Chapter-2:  Commercial Banks in India: A Glimpse

29-51

Introduction
The Background
Commercial  Banks in the Post Nationalization Period Financial Sector Reform
Banking Sector Reform in India
Conclusion

3

Chapter-3:  Risk Management and  Asset - Liability Position of  Banks: An Accentuation

53-82

Introduction
Risk and Its Categories
Basel Accord Regarding Risk
Initiatives of Reserve Bank of India
The Asset-Liability Management Committee
A Framework for Asset Liability Function
Management of Risks
Risk Management and RBI Guideline Techniques of Risk Measurement Asset Liability Management
Need For ALM in India
The Balance Sheet Variables of Banks
Inter-relationship of Variables

4

Chapter-4:    Non-Performing  Assets and Capital Adequacy Norms: An Outline

83-107

Introduction
Definition of  Non-Performing Assets 
Calculation of  Non-Performing Assets
Accounting Practices of  Non-Performing Assets
Capital Adequacy Ratio
The Achievement of Capital Adequacy Ratio
Prudential  Norms  and  Accounting  Practices  of   NPA's  of Banks: The Korean Experience

5

Chapter-5:    Asset  Quality   and   Non-Performing   Assets  of Banks: An Analytic Study  

109-133

Introduction
Magnitude of  Non-Performing Assets
The Composition of  Non-Performing Assets
Asset Classification of Private Sector Banks
Asset Classification of Foreign Banks
Frequency distribution of  NPAs of Banks
Non-Performing Assets and Priority Sector Lending
Non Performing Assets: Bank Group-wise Comparison Bank wise Classification of NPAs
Recovery and Provisions for Non-Performing Assets
Inter relationship  between growth of  advances and growth of  NPAs

6

Chapter-6:   Recovery  Measures  and  RBI  Guidelines  of  Non-Performing Assets              

135-164

Introduction:
Measures for Tackling  Non-Performing Assets:
Compromise  Settlement  Schemes
Debt Recovery  Tribunals  and Recovery of Debts
Asset  Reconstruction  Companies  and  Recovery of Debts
Securitization and Reconstruction of  financial Assets and Enforcement of Security Interest (SRFAESI)  Act -2002
The  Implication of  Asset    Reconstruction   Companies    and Securitization Act-2002
The  Accounting  Aspects
The Tax  Implications
Lok Adalalts
Circulations of Information on Defaulters
Corporate Debt Reconstructuring
Credit Information Bureau
Proposed Guidelines on Willful Defaulters/Diversion of Funds
Corporate Governance
Special Mention Accounts-Additional precaution at the Operating  Level
Risk Assessment and  Risk Management
E-Banking and VRS
The Performance of  Recovery Channels
Reserve   Bank’s   Guidelines    on    Purchase/Sale    of    Non-Performing Assets
Prudential    Norms    for    Banks    for    the    Purchase/Sale Transactions

7

Chapter-7:    Loan  Recovery  and  Non-Performing  Assets  of Banks: The Empirical Analysis          

165-195

Introduction
Objectives of  the Chapter
The Background of Commercial Banks in the Study Area
The Analysis and  Discussions
Deployment  of Bank Credit under Annual  Credit  Plan
Recovery  Performance of Commercial  Banks 
Asset Classification of Bank in the  Study  Area
Non-Performing Assets: Bank wise Analysis
Frequency Distribution of NPA'S of banks
Growth of Advances and NPAs
Interrelationship  between  Non-Performing Assets  and  Priority Sector Advances
Identification of Determinants of NPAs of Commercial
Banks

8

Chapter-8:  Epilogue

197-215

The Background
The Findings
Proposed Suggestions and Strategies
Conclusion

8

Bibliography

217-230

9

Index

231-234