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Non-Performing Advances

THE book deals with the problem of Non-Performing Advances (NPAs)  in public sector banks and its impact on the banks’ books, banking and financial system of the economy. Recognising  the  inevitable and festering nature of the problem, the author has come out, inter alia, with a statistical model as an innovative, simple and practical solution to contain NPA formation to ensure a strong balance sheet for banks and improved image of the borrowers.  The author claims that the solution will prove to be a win-win situation for all stakeholders of banks including the economy, and its constituents Government, share holders, depositors, borrowers, employees and others. The book contains in details the following:

·        Changes  brought about in banks under Banking Sector Reforms.

·        Emergence of NPAs in banks.

·        Problem  of NPAs., its causes and effects.

·        Performance of Public sector banks on management of NPAs.

·        Impact of NPAs on the economy, banks’ balance sheets and profit and loss accounts.

·        Suggestions  to contain NPAs from the angles of banks, borrowers, Government, Regulator and others.

·        A Statistical Model  developed to contain formation of NPAs, strengthen banks’ balance sheets and develop an emotional rapport between banks and borrowers. 

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About the Author

Dr. T.V. Gopalakrishnan a postgraduate in Commerce and an Associate of The Indian Institute of Banking and Finance  is presently working as General Manager in The Reserve Bank of India.  His wide exposure in The Reserve Bank for more than three decades in the areas of Credit Planning, Credit Authorisation, Credit Monitoring, Rural Credit, Rehabilitation of Sick Units and his close association with the implementation of the recommendations of Tandon, Chore, Marathe Committees on Working Capital and regulatory and supervisory functions enabled him to have a very deep insight into the problems of management of credit. His deputation to Canara Bank for two years, visits abroad to familiarize himself with the risk management concepts, tenure as Lecturer in Commerce in SRKV College, Coimbatore, long stint as a Faculty Member in Reserve Bank Staff College, training exposure to credit and risk management gave him the opportunity to know more about finance in general and bank credit in particular. He regularly contributes articles and letters on finance and banking. He has a research-oriented mind and a natural liking for credit management in banks that prompted him to bring out a thesis on Management of Non-Performing advances which is a burning issue faced by the banking system. He secured his Doctorate from the University of Madras and the thesis has won appreciation for its lucid style of writing, contents and coverage of the topic.      

Published By  Institute Of Banking & Finance

Mumbai

Published At Northern Book Centre.

New Delhi

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