Internship Report On Non Performing Assets Essay - 8402 Words

INTERNSHIP REPORT ON NON PERFORMING ASSETS AT KASARAGOD DISTRICT CO-OPERATIVE BANK.LTD. BY SREERAJ.K.NAIR 141202109 CHAPTER 1 1.1 INTRODUCTION A non-performing asset is the classification used by the financial institutions that refers to loans that are associated with the risk of the default. In other words it is the credit facility in respect of the interest or installment of principal has remained past due for a specified period of time. In simple words we can say that an asset becomes non-performing when it fails to generate income for a banks when the dues are not paid by the borrower for a period of 90 days. So when the NPA increases it negatively affects the banking performance. The day to day accounting operations becomes difficult as bank starts adjusting money deposited against their dues. So when the NPA increases it trembles the confidence of depositors investors lenders etcetera. It results in poor recycling of funds. The actual level of Non-Performing Assets in India is around $40 billion much higher than government’s estimation of $16 billion. 1.2 TOPIC CHOSEN FOR THE STUDY NPA has become a significant aspect for the commercial banks, private banks and co-operative banks. It is the function of Reserve Bank of India to implement plans for recognizing the income, classifying the asset, and provisioning norms for these banks. Today the major defaulters are the big borrowers coming from the non-priority sector. 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