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processes. Instead of fixing targets for them it would be more prudent to leave each of them to set their own target for themselves. The views and suggestions of the branch managers should be given due importance while framing the credit policy of a bank. Incentives in the form of promotion, desired place of posting and advanced increments would imbibe a spirit of involvement and responsibility among the lower cadre officers. Financial markets in India are many and varied standard norm can be prescribed for all kinds of financial markets dealing with short term loans. The present practice of unhealthy competition among the private and public sector banks in comparatively developed markets creates a lot of confusion in the minds of middle class investors/savers. In their endeavor to offer higher rate of return to the depositors very often banks get in to capital market transactions which are risky and uncertain. This has been the major cause of NPA of private sector banks. The expenditure now banks are making for mobilization of savings should be curtailed. Very purpose of social banking will be served when the nationalized commercial banks, instead of running after capital market investment will involve them in the process of economic development in the country by extending their credit base through system of micro finance. Investment in human resource development, employment generating programmes through direct participation, agricultural and industrial productivity enhancement programmes, rural industrialization and such other schemes would make the commercial banks effective agents of economic development. A shift from the role of mediation to that of direct participation in the best way for achieving economic viability. There is a need for a formal apex body for constant monitoring & assessment of commercial banks which would be an advisory body and which will have no conflict or overlapping of power with the Reserve Bank of India. It will function under the Ministry of Finance Government of India with a specific purpose of monitoring continuous reforms in the banking sector. The activities of all institutions both public and private, registered and unregistered, foreign & indigenous banks operating in the money market should be under the purview of the apex body. The main thrust of the proposed apex institution would be to provide ways and means for preventing unhealthy competition among the aforesaid institutions. 4. Conclusions: Gross NPA of both SBI group & Nationalised Banks exhibit an increasing trend except the year 2008 of Nationalised Banks. Very purpose of social banking will be served when the nationalized commercial banks, instead of running after capital market investment will involve themselves in the process of economic development in the country by extending their credit base through system of micro finance. Investment in human resource development, employment generating programmes through direct participation, agricultural and industrial productivity enhancement programmes, rural industrialization and such other schemes would make the commercial banks effective agents of economic development.. References: 1) A.V. Aruna Kumari (2002), “Economic Reforms and Performance of Indian Banking: Across Structural Analysis”, Indian Economic Panorama, A Quaterly Journal of Agriculture,Industry, Trade and Commerce ,Special Banking Issue, pp. 19-21. 2) Reserve Bank of India, master circular on Prudential norms on income recognition. Asset classification and provisioning. 3) Bhasin, N. (2008), Banking Developments in India 1947 to 2007, New Delhi, Century Publications. 4) Malyadri, P. (2003), NPA’s in Commercial Banks –An Overview, Banking Finance, Monthly, January 2003, Vol. XVI, pp.6-9. 5) Rajaraman, I & Vashistha, G. (2002),‘ Non-Performing Loans of Indian Public Sector Banks – Some Panel Results’, Economic and Political Weekly. www.theinternationaljournal.org > RJEBS: Volume: 02, Number: 06, April-2013 Page 26
6) Vasanthi, G. (2006), effect of Non-Performing Assets on Operational Efficiency of Central Co- Operative Banks, Indian Economic Panaroma, 16, pp33-39. 7) Bloem, A.M., & Goerter, C.N (2001), The Macroeconomic Statistical Treatment of Non-Performing loans, Discussion Paper, Statistics Department of the IMF. 8) Taori,K.J.(2000,Aug). Management of NPAs in Public Sector Banks. Banking Finance, August Issue. (pp.98-101). 9) Sergoi, M. (1996). Non-Performing bank loans: Cyclical patterns and sectoral risk. Review of Economic Conditions in Itally. Rome : Jan-June 1996.Issue.1. 10) Mohan, Rakesh (2003). Transforming Indian Banking : In Search of a Better Tomorrow, Reserve Bank of India. Reserve Bank of India Bulletin, Speech article, January,2003. 11) Mor, N. & Sharma, B. (2003). Rooting Out Non-Performing Assets. Fifth Annual Conference on Money and Finance in the Indian Economy. Indira Gandhi Institute of Development Research (IGIDR).Mumbai, January 30-February 1, 2003. 12) Misra, B.M. & Dhal, S. (2010,Jun). Procyclical management of non-Performing loans by the Indian public sector banks. BIS Asian Research Papers. June, 2010. 13) Pal Ved & Malik N.S. (2007), A Multivariate Analysis of the financial characteristics of Commercial Banks in India. The Icfai Journal of Bank Management. VI (3). 14) WELLS Fargo & Co.(2003), ‘ Big Banks Report Strong Gains, Led by Wells Fargo, Bank One”, Wall Street Journal –Eastern Edition, Vol.242, Issue 80, p.C5 15) Prashanth K Reddy (2002), A Comparative Study of Non-Performing Assets in India in the global context –Similarities and dissimilarities , remedial measures, The Indian Institute of Management, Ahmedabad, India 16) 26.Woo,David, (2000), Two Approaches to resolving Non Performing Assets During Financial Crises, IM Working Paper, WP/oo/33 17) 27. Chandrasekhar, C.P.2009. How sound is Indian banking. The Economic & Political Weekly. May,pp.8 www.theinternationaljournal.org > RJEBS: Volume: 02, Number: 06, April-2013 Page 27
Page 2 and 3: Table of Contents Articles PERFORMA
Page 4 and 5: servicing, and the policies not mee
Page 6 and 7: The Self-Help Group members get inc
Page 8 and 9: Are female workers more productive
Page 10 and 11: For the purpose of including explan
Page 12 and 13: several different, competing logist
Page 14 and 15: Fisher, R.T. (2001), “Role stress
Page 16 and 17: A Comparative Study of NPA of State
Page 20 and 21: Agriculture Crisis and Sustainable
Page 22 and 23: Table 1. World Cereal production ,
Page 24 and 25: Expanding biofuel production The ex
Page 26 and 27: percent of the world’s population
Page 28 and 29: OECD (Organisation for Economic Co-
Page 30 and 31: It can provide the earnings needed
Page 32 and 33: The incubator will also work toward
Page 34 and 35: factor. This is not an easy proposi
Page 36 and 37: ROLE OF LOCAL SELF GOVERNMENT IN LE
Page 38 and 39: During the last season red onion fa
Page 40 and 41: Table Mch2 Coef. Std. Err Z P>/Z/ A
Page 42 and 43: lack of capital. The local farmer o
Page 44 and 45: It may be seen that alleviation of
Page 46 and 47: Table - 2 Progress under Bharat Nir
Page 48 and 49: References Chandrasekhar, B P., et
Page 50 and 51: existing cooperative legislation, r
Page 52 and 53: 1.3 THE RESEARCH QUESTIONS 1. What
Page 54 and 55: Table 2: Earnings and Cost Allocati
Page 56 and 57: have an adequate amount of capital
Page 58 and 59: programs and the union was doing on
Page 60 and 61: total assets to other key areas, it
Page 62 and 63: esponded by (7.6%) of the members.
Page 64 and 65: management; Gohe cooperatives savin
Page 66 and 67: Significance of asset quality of St
Page 68 and 69:
iii) iv) Doubtful Assets:- a) Doubt
Page 70 and 71:
atios and solvency ratios are taken
Page 72 and 73:
Ratio of around 3% during 2007-08,
Page 74 and 75:
sufficient to draw an inference in
Page 76 and 77:
The observed R 2 and F statistics m
Page 78 and 79:
Board Composition, Ownership Struct
Page 80 and 81:
size as well. During our study it w
Page 82 and 83:
standards prevailing in the country
Page 84 and 85:
The procedure produces two tests of
Page 86 and 87:
hoc test for pair wise comparisons
Page 88 and 89:
e said that the board size affects
Page 90 and 91:
high-tech small and medium-sized en
Page 92 and 93:
Table no.8 - Multiple Comparisons T
Page 94 and 95:
Abstract Corporate Social Responsib
Page 96 and 97:
the participation of various level
Page 98 and 99:
Supplier Relations As stakeholders
Page 100 and 101:
CSR initiatives of companies should
Page 102 and 103:
Corporate Social Responsibility Pra
Page 104 and 105:
2011, this district received surplu
Page 106 and 107:
In the case of marginal farmers and
Page 108 and 109:
Findings From the above analysis it
Page 110 and 111:
2. Innovation: Meaning and Dimensio
Page 112 and 113:
data appropriately. Inferences were
Page 114 and 115:
The regression analyses as shown in
Page 116 and 117:
Role of Self-help Group in Socio-ec
Page 118 and 119:
10% for women and men respectively
Page 120 and 121:
MoRD has been constantly reviewing
Page 122 and 123:
76.6% units were found to be existi
Page 124 and 125:
10.Timely release of adequate loans
Page 126 and 127:
Standard of living of Rural Fisher
Page 128 and 129:
Table 1 denotes the infrastructure
Page 130 and 131:
FISHING METHODS USED BY DIFFERENT A
Page 132 and 133:
CONCLUSION Most of the fisher folk
Page 134 and 135:
Objectives: The following objective
Page 136 and 137:
Policies of the Government will hav
Page 138 and 139:
Wastage Schedule (Onion) Sl.No. Pri
Page 140 and 141:
At the end of 2008 the entire world
Page 142:
Conclusion: 9. The inflation can be
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