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atios and solvency ratios are taken as dependent variable and various ratios used to measure the asset quality have been taken as independent variable. In the present study the ratios taken to measure the profitability, liquidity and solvency are stated below: I) For profitability a) Spread to total Asset. b) Return on Asset. c) Interest income to total income. d) Non-interest income to total income. e) Profit margin ratio (Net profit/ Total income). f) Burden to Total Asset. The equation of multiple regression used in this study are Profitability = α + ß 1 GNGA + ß 2 NNNA+ ß 3 TITA +ß 4 NNTA+ε II) For liquidity a) Liquid asset to total deposit. b) Liquid asset to total asset. c) Deposit to total asset d) Loan to total deposit The equation of multiple regression used in this study are Liquidity = α + ß 1 GNGA + ß 2 NNNA+ ß 3 TITA +ß 4 NNTA+ε III) For solvency a) Investment to deposit b) Credit Deposit ratio c) Spread to total assets d) Net worth to total assets. e) Borrowing to Working fund. The equation of multiple regression used in this study are Solvency = α + ß 1 GNGA + ß 2 NNNA+ ß 3 TITA +ß 4 NNTA+ε For the purpose of the study, the secondary data for 9 years from 2002-03 to 2010-11 are used. The secondary data has been collected from the data bases of Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The trend and growth of the variables taken for study are addressed by using CAGR (Compound Annual Growth Rate). In order to analyse and interpret the data in this study SPSS software have been used. 6. Empirical results. Asset quality of the State co-operative banks in India is shown in the table 1. The aggregate NPAs of the State Co-operative Bank in India in 2002-03 are Rs. 6284 crore consisting of Rs 3535 crores in sub-standard category, Rs 2443 crores in doubtful category and the remaining Rs 306 crore in loss category. The overall NPAs of State Co-operative Banks (StCBs) declined in the year 2004-05 although the share of loss assets is the alarming. NPAs of the StCBs in India varied widely across the states /UTs at end march 2005. In some states such as Haryana and Punjab, NPAs are less than 3%, while in some other states (Arunachal Pradesh, Assam, Manipur and Nagaland) NPAs are more than 50%. Only in nine out of 31StCBs in India NPA ratio is less than 10%. www.theinternationaljournal.org > RJEBS: Volume: 02, Number: 06, April-2013 Page 78
Asset quality of the State Co-operative banks in India from 2002-03 to 2010-11 (Rs.in crores) Table-1 Year Sub-standard Asset Doubtful Asset Loss Asset Gross NPAs Provision for NPAs Net NPAs 2002-03 3535 2443 306 6284 5690 594 2003-04 3288 3010 250 6548 3608 2940 2004-05 2961 1975 1136 6072 2982 3090 2005-06 2763 2292 1680 6735 3558 3177 2006-07 2957 2625 1122 6704 3200 3504 2007-08 2779 2652 737 6168 3000 3168 2008-09 1627 3822 276 5725 3310 2415 2009-10 1332 2219 802 4353 4438 -85 2010-11 1700 2500 1500 5700 3997 1703 CAGR(%) -8.74 0.29 21.98 -1.21 -4.32 14.07 Ratios for measurement of Asset quality of the State cooperative bank of India from 2002-03 to 2010-11 Table -2 Year Gross NPAs/ Net NPAs/ Total Investment/ Net NPAs/ Gross NPA Gross Advances Net Advances Total Assets Total Assets coverage ratio 2002-03 16 1.67 29.74 0.97 90.54 2003-04 15.28 7.2 34.06 4.01 55.1 2004-05 13.98 7.64 32.43 4.3 49.11 2005-06 13.81 6.59 36.21 3.66 52.83 2006-07 12.4 6.88 28.14 4.08 47.73 2007-08 11.01 5.99 33.2 3.35 48.64 2008-09 10.57 4.75 43.07 2.23 57.81 2009-10 8.06 -0.17 45.02 -0.07 101.95 2010-11 8.2 2.62 38.55 1.32 70.12 AM 12.14 4.79 35.6 2.65 63.75 SD 2.89 2.78 5.72 1.59 19.83 CV 23.8 58.03 16.06 60 31.1 CAGR(%) -8.02 5.79 3.3 3.93 -3.14 The overall NPAs of StCBs have increased during 2005-06 in contrast to decline witnessed during previous year. Substantial asset slippage continued during the year with a decline in the sub-standard assets and increase in doubtful and loss assets. NPAs of StCBs varied widely across the states at end march 2006 also. During 2006-07, the NPAs of StCBs declined in both absolute and percentage term. The improvement in asset quality is also discernible from the decline in loss assets and partly due to migration from lower categories. Thus there is an increase in the sub-standard and doubtful assets categories. In the year 2006-07 it is observed that only 11 out of 31 StCBs the NPA ratio are less than 10%. During 2007-08 NPAs of StCBs posted a decline in absolute terms of the various categories of NPAs. Out of the various categories of NPAs ‘Sub-standard’ and ‘Doubtful’ assets each constitutes over 40% of the total NPAs of StCBs at end march 2008. There is a fall in terms of both growth and share of loss assets between 2007 and 2008. There is considerable variation in the asset quality of StCBs across states. While on the other hand, StCBs from the northern region had the lowest NPA www.theinternationaljournal.org > RJEBS: Volume: 02, Number: 06, April-2013 Page 79
Page 2 and 3:
Table of Contents Articles PERFORMA
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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 68 and 69: iii) iv) Doubtful Assets:- a) Doubt
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
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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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