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Poject Proposal Final

Sandeep Agarwal proposes a study analyzing non-performing assets (NPAs) in the Indian banking sector with a focus on ICICI Bank. The study will examine NPA norms set by the Reserve Bank of India and analyze factors contributing to rising NPAs. It will also review ICICI Bank's NPA levels over the past few years. Primary and secondary data will be collected, with an interim report due in December 2010 and a final report in March 2011. The study aims to understand changes in the banking industry post-liberalization and evaluate their impact on NPA management.

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95 views3 pages

Poject Proposal Final

Sandeep Agarwal proposes a study analyzing non-performing assets (NPAs) in the Indian banking sector with a focus on ICICI Bank. The study will examine NPA norms set by the Reserve Bank of India and analyze factors contributing to rising NPAs. It will also review ICICI Bank's NPA levels over the past few years. Primary and secondary data will be collected, with an interim report due in December 2010 and a final report in March 2011. The study aims to understand changes in the banking industry post-liberalization and evaluate their impact on NPA management.

Uploaded by

sandy_a538
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© Attribution Non-Commercial (BY-NC)
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Name of the Student: SANDEEP AGARWAL E-mail ID:sandeepagarwal028@gmail.

com

Enroll No: 09BS0002052 Ph No: 9036101928

MANAGEMENT RESEARCH PROGRAM


PROJECT PROPOSAL 1. PROJECT TITLE
A study of Non-Performing Assets in Indian banking sector, with special emphasis on ICICI Bank.

2. PROJECT PROPOSED
In this project, a detailed analysis of NPAs in Indian Banking Industry will be done by emphasizing on norms associated with these assets and the measures taken by the Indian banks to reduce these NPAs. Also ICICI banks past few years NPAs are being analyzed.

3. DESCRIPTION OF THE PROJECT


This project intends to analyze the Indian banking Industry post liberalization of the Indian financial sector. Main emphasis will be given on changes in norms made to the industry from time to time. Financial sector reform in India has progressed rapidly on aspects like interest Rate deregulation, reduction in reserve requirements, barriers to entry, prudential norms and risk-based supervision. But progress on the structural-institutional aspects has been much slower and is a cause for concern. The sheltering of weak institutions while liberalizing operational rules of the game is making implementation of operational changes difficult and ineffective. Changes required to tackle the NPA problem would have to span the entire gamut of judiciary, polity and the bureaucracy to be truly effective. The recovery of loan has always been problem for banks and financial institution. To come out of these first we need to think is it possible to avoid NPA, no can not be then left is to look after the factor responsible for it and managing those factors. Hence there is a need to carefully study these norms affecting the banking performances resulting in increasing NPAs in the industry. This project will hence try and analyze the factors and norms associated with these NPAs and specifically analyze the performance of ICICI bank in this area for past few years.

NPA: The three letters Strike terror in banking sector and business circle today. NPA is short form of Non Performing Asset. The dreaded NPA rule says simply this: when interest or other due to a bank remains unpaid for more than 90 days, the entire bank loan automatically turns a non performing asset.

4. OBJECTIVE OF THE PROJECT


y y y To understand & analyze the India banking Industry post Liberalization To carefully study the norms associated with NPAs issued by RBI To understand the performance of ICICI Bank, its NPAs and the factors effecting these NPAs.

5. METHODOLOGY The basic research is based upon the secondary data collected, though some part of the primary data is also being used. 6. SCHEDULE
Project Proposal
10th August, 2010

Interim Report Final Report

10th December, 2010 11th March, 2010

7. LIMITATIONS OF THE STUDY


y y y Research is based purely on secondary data available Getting information on NPAs of banks is limited Analysis is based completely on the data available in the annual reports of the banks

8. REFERENCES
y y y RBI website Books n journals on Banking ICICI bank website

FACULTY GUIDE NAME: Prof. Sai Shree


Sandeep Agarwal Date: August 28, 2010 Signature of the Student

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