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iii) iv) Doubtful Assets:- a) Doubtful assets I—20% of the outstanding amount. b) Doubtful assets II—30% of the outstanding amount. c) Doubtful assets III—60% of the outstanding amount. The provisions had been increased to 100% by 31 st march 2010 for 3 rd category of doubtful assets. Loss Assets:- The entire loss assets should be written of. 100% of such loans shall have to be provided for certain relaxations, however, have been allowed for loans for agricultural purposes. 3. Review of literature. In the past some studies relating to financial performance of commercial banks and cooperative banks in India and abroad have been conducted. A brief review of these efforts at research in the field of liquidity, solvency, growths, profitability and non-performing assets of banks has been presented in the following paragraphs. Mehta Basant (1994), attempts to measure the Performance of Udaipur Central Co-operative Bank (UCCB .The survey clearly indicates that cent percent beneficiaries were not repaying regularly the installments of their loans and only 20 % beneficiaries repay their half or more than half amount of loans, so it was suggested that UCCB should organize recovery camps and the District administration should take suitable actions without delay. Kulwantsing and Singh (1998) measured the performance of the Himachal Pradesh Cooperative Banks. On the basis of certain parameters such as capital, deposits, working capital, loans issued they observed that improvement is satisfactory over a period of five years. But recovery performance was unsatisfactory and over dues had increased steadily. This was due to after effects of loan waiver scheme. Shekhar et al (1999) measured the performance of Karimnagar District Central Co-operative Bank in Andhra Pradesh, India by the financial ratio analysis. With the help of financial ratios solvency, liquidity, profitability, efficiency and strength of the banks were analysed for the period 1985-86 to 1994-95. Sharma.K.C, Josh.J.C, Kumar Sanjay, AmalorpaVanathan. R, Bhaskaran.R (2001) analyse the conceptual aspects of overdues, recovery and prudential norms of rural financial institutions (RFI). They also studied about the factors affecting recovery of loans in RFI. In this paper they also suggest methods and strategies for better recovery and NPA management in RFI. Michael. Justin Nelson, Vasanthi. G and Selvaraju. R. (2006), analyse the effect of nonperforming assets on operational efficiency of Central Co-operative Banks. The study argued that quantum increase in various classes of NPAs- substandard, doubtful and loss assets deplete asset quality of the banks. As a result not only liquidity and profitability decline but also solvency of the banks is at stake. They concluded that only prompt, preventive and curative measures of credit monitoring can curb the menace of NPAs. Bhardwaj. R, Priyanka, RahejaRekha (2011), analysed the role of co-operative bank’s in agricultural credit in India from 2001-02 to 2006-07 with the help of AGGR. The study reveals that AGGR of agricultural credit by co-operative banks always less as comparison to AGGR of all India institutional agricultural credit during the period under consideration and the level of NPAs in cooperative banking system is very high as compare to other financial institutions. They suggest that cooperative banks’ in India should control their NPAs level for surviving in credit market of India in future. Dharmendran. A (2011), assesses the position and growth of nonperforming assets (NPAs), in DCCBs in India for the eight years from 2001 to 2008. In his study he analysed that the accumulation of NPAs has been detrimental to the financial health of the banks. The banks have faced the additional burden by creating more provision for management of NPAs. He concluded that there was a need for www.theinternationaljournal.org > RJEBS: Volume: 02, Number: 06, April-2013 Page 76
effective recovery management, particularly of short-term loans and stringent measures must be taken to control and prevent NPAs. Veerakumar.K (2012), analyses the priority sector advances by the public, private and foreign banks in India group-wise, target achieved by them and comparative study on priority and non-priority sector NPAs over the period of 10 years between 2001-02 to 2010-11. He concluded that non-recovery of credit in time and lower recovery of NPAs are the major reasons of mounting NPAs of Schedule commercial banks. Shyamala. A (2012), attempts to measure the impact of NPAs on profitability of SBI group, Nationalised banks group and private banks group in India from 2000-2001 to 2009-10.The study concluded that introduction of prudential norms has improve the performance of the banks and accordingly resulted into orderly down of NPAs as well as enhancement in the financial strength of the Indian banking structure. Chisti, Khalid Asraf (2012), assess the effect of loan quality on performance of the private banks in India during the period 2006-07 to 2010-11. Operating performance of the sample banks is estimated with the help of financial ratios. Multiple regression has been employed and result showed that a bad asset ratio is negatively associated with banking operating performance. Siraj. K. K and Pillai. P Sundaram (2012), attempt to analyse whether the Indian banking sector is able to manage the NPAs during post-millennium period or not. The study includes NPAs from bank- group wise that provide understanding on management of NPA by different bank groups. They concluded that even though the NPAs indicators showed recovery of NPA during first half of last decade, it remained challenging in the second half of the period. Dharmendran. A (2012), seeks to examine the position and growth of NPAs of the State Cooperative Banks of India from 2000-01 to 2007-08. The study found that gross and net NPAs are relatively high during the study period. He suggested about the additional provision for various categories of assets. 4. Objective of the study. Attempts have been made to assess the asset quality of StCBs of India and the impact of NPAs in operational efficiency during the period 2002-03 to 2010-11. The specific objectives of the study are: a) To assess the position and growth of different kinds of asset of StCBs of India from 2002-03 to 2010-11. b) To examine the asset quality of the StCBs in India from 2002-03 to 2010-11. c) To analyse the impact of NPAs on profitability, liquidity and solvency position of the StCBs in India from 2002-03 to 2010-11. 5. Methodology and data. NPAs should be considered against the loans and advances issued by the banks, cause the NPAs primarily arise. According to the prudential norms banks have to consider provisions when there is a question of NPAs. When the provisions are adjusted against the gross NPAs it gives rise to the net NPAs. The following ratios are adopted to measure the asset quality of the StCBs in India from 2002- 03 to 2010-11. a) Gross NPAs to Gross Advances. (GNGA) b) Net NPAs to Net Advances. (NNNA). c) Total Investment to Total Assets (TITA). d) Net NPAs to Total Assets (NNTA). e) Gross NPA Coverage ratio Multiple regressions have been employed to measure the degree of impact of asset quality on profitability, liquidity and solvency of the banks under study. Mean of profitability ratios, liquidity www.theinternationaljournal.org > RJEBS: Volume: 02, Number: 06, April-2013 Page 77
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 18 and 19: processes. Instead of fixing target
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 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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