AN ANALYSIS OF THE REASONS FOR NON-PERFORMING ASSETS (NPAs) TO THE STATE BANK OF INDIA (SBI) IN MADURAI CITY

AN ANALYSIS OF THE REASONS FOR NON-PERFORMING ASSETS (NPAs) TO THE STATE BANK OF INDIA (SBI) IN MADURAI CITY

1. PG DEPARTMENT OF COMMERCE WITH COMPUTER APPLICATIONS Project Viva-Voce Presentation 28.03.2024

2. 2 MANNAR THIRUMALAI NAICKER COLLEGE AN ANALYSIS OF THE REASONS FOR NON-PERFORMING ASSETS (NPAs) TO THE STATE BANK OF INDIA (SBI) IN MADURAI CITY Head of the Department, Mrs.A.Nagaswathy Head, Department of B.Com (CA) Under The Guidance , Dr.M.Dinesh Kumar Assistant Professor of B.Com (CA) Student Name : D.YOGESHWARAN Class : II - M.Com (CA) Reg number : 22SPCCO32

3. Introduction Introduction Lit. Review Findings Research Gap Challenges Conclusion Non-performing assets (NPAs) pose significant challenges to the banking sector, impacting financial stability and profitability. The State Bank of India (SBI), being the largest commercial bank in India, is not immune to the burden of NPAs. This article aims to analyze the reasons for NPAs in the SBI Madurai City branch, shedding light on the factors contributing to this issue. INTRODUCTION

4. abstract Introduction Lit. Review Findings Research Gap Challenges Conclusion I have referred to a number of 18 articles in national and international related to the topic STATEMENT OF THE PROBLEM This function is depending on the capability of credit risk of the banks. Credit risk is associated with lending highlyand whenever a partyenters into an obligation to make payment or deliver value to the bank. profitabilityandthelongrunsustenanceofthebankandthesefactorsdepend on the income, expenditure, net interest income, NPAs and capital adequacy. When the money (Assets) is blocked, inadequate cash at hand this leads to borrowing of money for short period of time. This money is called Non- Performing Assets. Time and efforts of management cause indirect cost REVIEW OF LITERATURE

5. abstract Introduction OBJECTIVE OF THE STUDY Findings Research Gap Challenges Conclusion OBJECTIVE OF THE STUDY To Study on Non-performing assets (NPAs) for the State Bank of India (SBI) in Madurai City. To examine SWOT Analysis for NPAs to the SBI in Madurai City. To analysis the demography profile with Opinion about Causes of Non Performing Assets in SBI.

6. RESEARCH METHODOLOGY services follow Conclusion OBJECTIVE OF THE STUDY Introduction PRIMARY DATA: Primary data are those which are fresh and are collected for the first time, and thus happen to be original in character.The primarydata was collected through direct personal interview ( openended and close questionnaire). SECONDARYDATA: Secondary data are those which have been already collected by someone else and which already had been passed through the statistical process. The secondary data was collected through websites,books and magazines. AREA OF THE STUDY: The area of the study is confined to Madurai City. SAMPLE SIZE : It refers to the number of people surveyed. In the study, information was collected from 100 respondents. SAMPLE TECHNIQUE: Convience sampling technique the population being large and the time for the project are limited ,urged choose technique. RESEARCH METHODOLOGY

7. follow Conclusion Introduction RESEARCH METHODOLOGY RESEARCH FRAME WORK Percentage analysis Bar chart  Pie chart Garrett Ranking Regression RESEARCH FRAME WORK

8. FINDING Conclusion RESEARCH FRAME WORK 53% of the respondents are male. 57% of the respondents are Up to 30age. 46% of the respondents are qualified at least a degree like UG. 40% of the respondents Occupational level customers is Private employee 54% of the respondents are belongs to the monthly income of up to20000 92% of the respondents are Customers.of SBI bank in Madurai city 57% of the respondents are rural 37% of the respondents are increasing provision of impact of NPA It reveal percentage score for each rank from 1to 10 are calculated to the reasons for opinion  first rank natural claimaties FINDINGS

9. FINDING SUGGESTION The study has established that the frequent transfer of officers in the loan segment dislocates the recovery efforts. Therefore it is suggested to modify the transfer policy it helps the recovery efforts of NPAs. The branch wise target for reducing the NPAs should be fixed. The branches achieving the target need to be reognised by way of awards and rewards . SUGGESTION

10. REFERENCES FINDING REFERENCES Ashok Khurana and Dr.Mandeep singh , “A management: A study of new private Sector Banks in India”, Indian Journal of Finance, September 2010, pp. 174-185. Bhatia, “Non-Performing Assets of Indian Public, Private and Foreign Sector Banks:An Empirical Assessment ”, ICFAI Journal of Bank Management, Vol. 6, No. 3, 2007, pp. 7-28. Kaur, H., and Saddy , N. K. (2011). A Comparative Study of Non-Performing Assets of Public and Private Sector Banks. International Journal of Research in Commerce & Management, 2(9), 82-89 Malyadri , P., & Sirisha, S. (2011). A Comparative Study of Non Performing Assets in Indian Banking Industry. International Journal of Economic Practices and Theories, 1(2), 77-87 Meenakshi Rajeev and H P Mahesh, “Banking sector reforms and NPA: a study of Indian commercial banks”, working paper 252,Institute for social change and economic change, Bangalore, ISBN 978-81-7791-108-4,,2010. NPA Reduction: The New „Mantra‟ of Slippage Management IBA Bulletin, 22.10 (October 2000). Rastogi R. P. (2002). Financial Management, Galgotia Publication, New Delhi. RBI, “Report on Trend and Progress of Banking in India, various issues.” Renu Jatana , “ Impact of NPA on Profitability of Banks” , an article published in Indian Journal of Accounting , Vol. XXXIX (2) June 2009.

11. about history timeline teams about history timeline abstract Introduction Lit. Review Findings Research Gap Challenges Conclusion CONCLUSION In conclusion, the analysis of the reasons for non-performing assets (NPAs) in the State Bank of India (SBI) Madurai City branch has highlighted various factors that contribute to this issue. Economic factors, borrower-related challenges, loan management strategies, and regulatory hurdles all play a role in the accumulation of NPAs. It is imperative for the SBI to address these issues proactively, employing robust risk management practices, stricter loan monitoring, and effective recovery strategies.

12. THANK YOU