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Home»Articles»Non-Performing Assets (NPAs) of Urban Co-operative Banks (UCBs) in Coimbatore District of Tamil Nadu: An Empirical Study

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Asian Journal of Managerial Science (AJMS)

Editor Dr. Tan Fee Yean
Print ISSN : 2249 - 6300
Frequency : Quarterly

Non-Performing Assets (NPAs) of Urban Co-operative Banks (UCBs) in Coimbatore District of Tamil Nadu: An Empirical Study

Author : P. Selvaraju
Volume 7 No.2 July-September 2018 pp 27-31

Abstract

Co-operation is a special method of doing work jointly and suits the poor more than the rich. The rich, however, are not precluded from coming with its fold. All those who want to co-operate must, as a condition precedent, have a common need and to fulfill it, should agree to work selflessly. The origin of Indian Co-operative Credit Movement can be traced as far back as to 1844 as per the Report of Woodhead Famine Commission of Bengal Province. The said commission recommended that credit should be given at low rate of interest to the needy people. The Maclagan Committee’s recommendations (1914) have much to contribute in evolving the urban cooperative credit movement and such banks have started developing in all the states of the nation. Banking is a service industry. The main objective of the banking is to provide the financial support to its customers / members in co-operatives. The Urban Co-operative Banks (UCBs) occupy a significant place in the urban credit movement. The urban co-operative credit movement started in India with the chief object of catering to the banking and credit requirements of the urban middle class. The expanding NPAs in banking Industry are a major concern for banking industry. NPAs affect the performance of banks and growth in NPA which bring down the entire profitability of the sector. In backlash of this situation, the core objectives of this empirical study to bring the real status and conditions of Non-Preforming Assets in Urban Co-operative Banks in Coimbatore District of Tamil Nadu. Further, the study can explore the factual outlook and effects of the same on different heads such as assets classifications (Standard asset, sub-standard, Doubtful Assets 1(D1),D2 and D3 Assets, Loss Assets, Sector-wise analysis, Gross and Net NPAs etc., all about, the findings of this empirical study can give a better understanding about the sector to the people who are associated with academic, research scholars, banking professionals, policy makers and consultant are in particular and allied groups are in general.

Keywords

Co-operative Bank, Non-Performing Assets, Urban Co-operative Bank, Assets, Provisions

Full Text:

References

[1] Bedi, R.D. (1983). Co-operation in Theory, History and Practice of Co-operation. Loyal Book Depot, India, 12th ed, 16-19.
[2] Abdul Kuddus, K.A. & Zakir Hussian, A.K. (2011). Cooperative Credit and Banking, 2nd ed., Limbra Publications, India. 289-295
[3] Indian Institute of Banking & Finance (2011). Co-operative Banking, 1st ed., Macmillan Publishers India, INDIA. 13-20.
[4] Bhavani Prasad, G.V., & Veena, D., (2011). NPAs in Indian Banking Sector- Trends and Issues. Journal on Banking Financial Services & Insurance Research (JBFSIR), 1(9), 67-84.
[5] Siraj, K.K., & Sudarsanan Pillai, P. (2012). A Study on the Performance of Non-Performing Assets (NPAs) of Indian Banking During Post Millennium Period. International Journal of Business and Management Tomorrow (IJBMT), 2 (3), 1-7.
[6] Amit Basak (2009). Performance of an Urban Cooperative Bank in West Bengal: An Appraisal. Indian Cooperative Review, 47(1).1-10.
[7] Sugate Marjit & Indrajit Mallick (2004). Collateral Mentoring and Banking Regulation. Economic and Political weekly, 1259-1262.
[8] RBI, (2015). Financial Markets – An Assessment of Reforms. Retrieved from, https://www.rbi.org.in/scripts/PublicationsView.aspx?id=10874
[9] Gurumurthy, S. (2008). The NPA Rule that Kills Banks, the Economy Itself. Retrieved from http://www.deepalichandra.blogspot.com.

Asian Journal of Managerial Science (AJMS) is a quarterly international peer-reviewed journal of Managerial Science. One of the objectives of this journal is to disseminate knowledge on various research issues connected with the topics include, but are not limited to:

Accounting, Auditing, Banking, Business strategy, Corporate governance, Entrepreneurship, Financial structure, Capital markets, Health economics, Human resources management, Information systems,Innovation management, Insurance, Marketing, Organization, Production and logistics, Risk management, and Taxation.

Co-operation is a special method of doing work jointly and suits the poor more than the rich. The rich, however, are not precluded from coming with its fold. All those who want to co-operate must, as a condition precedent, have a common need and to fulfill it, should agree to work selflessly. The origin of Indian Co-operative Credit Movement can be traced as far back as to 1844 as per the Report of Woodhead Famine Commission of Bengal Province. The said commission recommended that credit should be given at low rate of interest to the needy people. The Maclagan Committee’s recommendations (1914) have much to contribute in evolving the urban cooperative credit movement and such banks have started developing in all the states of the nation. Banking is a service industry. The main objective of the banking is to provide the financial support to its customers / members in co-operatives. The Urban Co-operative Banks (UCBs) occupy a significant place in the urban credit movement. The urban co-operative credit movement started in India with the chief object of catering to the banking and credit requirements of the urban middle class. The expanding NPAs in banking Industry are a major concern for banking industry. NPAs affect the performance of banks and growth in NPA which bring down the entire profitability of the sector. In backlash of this situation, the core objectives of this empirical study to bring the real status and conditions of Non-Preforming Assets in Urban Co-operative Banks in Coimbatore District of Tamil Nadu. Further, the study can explore the factual outlook and effects of the same on different heads such as assets classifications (Standard asset, sub-standard, Doubtful Assets 1(D1),D2 and D3 Assets, Loss Assets, Sector-wise analysis, Gross and Net NPAs etc., all about, the findings of this empirical study can give a better understanding about the sector to the people who are associated with academic, research scholars, banking professionals, policy makers and consultant are in particular and allied groups are in general.

Editor-in-Chief
Dr. Tan Fee Yean
Department of HRM, Universiti Utara Malaysia, Kedah, Malaysia
[email protected]
Editorial Advisory Board
Dr. Aidil Rizal Bin Shahrin
Department of Finance and Banking, University of Malaya, Malaysia
[email protected]
Dr. Amalendu Bhunia
Department of Commerce, University of Kalyani, West Bengal, India
[email protected]
Dr. Ahmad Zahiruddin Bin Yahya
Department of Accountancy, University of Malaya, Malaysia
[email protected]
Dr. Anil Govindrao Suryavanshi
Department of Commerce & Management, The New college, (Shivaji University), Maharashtra, India
[email protected]
Dr. Ong Lin Dar
Department Of Business Strategy And Policy, University of Malaya, Malaysia
[email protected]
Dr.V.Balachandran
Department of Corporate Secretaryship, Alagappa University,Tamil Nadu, India
[email protected]
Dr. Yeong Wai Chung
Department Of Operation and Management Information, University of Malaya, Malaysia
[email protected]
Prof.V.V.Devi Prasad Kotni
Department of Management Studies,GVP College for Degree & PG Courses, Andhra Pradesh, India
[email protected]
Dr. Quah Chee Heong
Department of Business Strategy and Policy, University of Malaya, Malaysia
[email protected].edu.my
Dr.Subrata Roy
Department of Commerce, Rabindra Mahavidyalaya, West Bengal, India
[email protected]
Dr. Norbani Binti Che Ha
Department of Marketing, University of Malaya, Malaysia
[email protected]
Dr. Tey Lian Seng
Department Of Business Strategy and Policy, University of Malaya,  Malaysia
[email protected]
Dr. Mohammad Nazri Bin Mohd Nor
Department of Business Strategy and Policy, University of Malaya, Malaysia
[email protected]
Dr. Binish Qadri
Research Scholar, Department of Economics, Central University of Kashmir, India
[email protected]
Dr. Khaw Lee Hwei
Department of Finance and Banking, University of Malaya, Malaysia
[email protected]
Dr. V. P. Sriram
Department of Management, Balaji Institute of International Business, Maharashtra, India
[email protected]
Dr. Yusniza Binti Kamarulzaman
Department of Marketing, University of Malaya,  Malaysia
[email protected]
Dr. Kanagi Kanapathy
Department of Operations and Management Information Systems, University of Malaya, Malaysia
[email protected]
Dr. Abd El Salam Mahmoud Abou Kahf
Department of Commerce, Alexandria University, Egypt
[email protected]
Dr. Wong Sek Khin
Department of Business Strategy and Policy, University of Malaya, Malaysia
[email protected]
Dr. Lee Su Teng
Department of Business Strategy and Policy, University of Malaya, Malaysia
[email protected]
Dr. Phoong Seuk Wai
Department of Operation and Management Information System, University of Malaya, Malaysia
[email protected]
Dr. Dennis Palkon
College of Business, Management, Florida Atlantic University
[email protected]

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    Editorial Note

    Editorial Dr. Tan Fee Yean

    Editor-in-Chief
    Dr. Tan Fee Yean
    Department of HRM, Universiti Utara Malaysia, Kedah, Malaysia
    [email protected]
    Editorial Advisory Board
    Dr. Aidil Rizal Bin Shahrin
    Department of Finance and Banking, University of Malaya, Malaysia
    [email protected]
    Dr. Amalendu Bhunia
    Department of Commerce, University of Kalyani, West Bengal, India
    [email protected]
    Dr. Ahmad Zahiruddin Bin Yahya
    Department of Accountancy, University of Malaya, Malaysia
    [email protected]
    Dr. Anil Govindrao Suryavanshi
    Department of Commerce & Management, The New college, (Shivaji University), Maharashtra, India
    [email protected]
    Dr. Ong Lin Dar
    Department Of Business Strategy And Policy, University of Malaya, Malaysia
    [email protected]
    Dr.V.Balachandran
    Department of Corporate Secretaryship, Alagappa University,Tamil Nadu, India
    [email protected]
    Dr. Yeong Wai Chung
    Department Of Operation and Management Information, University of Malaya, Malaysia
    [email protected]
    Prof.V.V.Devi Prasad Kotni
    Department of Management Studies,GVP College for Degree & PG Courses, Andhra Pradesh, India
    [email protected]
    Dr. Quah Chee Heong
    Department of Business Strategy and Policy, University of Malaya, Malaysia
    [email protected].edu.my
    Dr.Subrata Roy
    Department of Commerce, Rabindra Mahavidyalaya, West Bengal, India
    [email protected]
    Dr. Norbani Binti Che Ha
    Department of Marketing, University of Malaya, Malaysia
    [email protected]
    Dr. Tey Lian Seng
    Department Of Business Strategy and Policy, University of Malaya,  Malaysia
    [email protected]
    Dr. Mohammad Nazri Bin Mohd Nor
    Department of Business Strategy and Policy, University of Malaya, Malaysia
    [email protected]
    Dr. Binish Qadri
    Research Scholar, Department of Economics, Central University of Kashmir, India
    [email protected]gmail.com
    Dr. Khaw Lee Hwei
    Department of Finance and Banking, University of Malaya, Malaysia
    [email protected]
    Dr. V. P. Sriram
    Department of Management, Balaji Institute of International Business, Maharashtra, India
    [email protected]
    Dr. Yusniza Binti Kamarulzaman
    Department of Marketing, University of Malaya,  Malaysia
    [email protected]
    Dr. Kanagi Kanapathy
    Department of Operations and Management Information Systems, University of Malaya, Malaysia
    [email protected]
    Dr. Abd El Salam Mahmoud Abou Kahf
    Department of Commerce, Alexandria University, Egypt
    [email protected]
    Dr. Wong Sek Khin
    Department of Business Strategy and Policy, University of Malaya, Malaysia
    [email protected]
    Dr. Lee Su Teng
    Department of Business Strategy and Policy, University of Malaya, Malaysia
    [email protected]
    Dr. Phoong Seuk Wai
    Department of Operation and Management Information System, University of Malaya, Malaysia
    [email protected]
    Dr. Dennis Palkon
    College of Business, Management, Florida Atlantic University
    [email protected]

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