Target oriented approach in Indian banks has eroded the quality of
lending, leading to high level of NPAs that has resulted in
negative impact on their profitability due to the necessity of
provisions, recoveries and write offs as per RBI guidelines. NPAs
also negatively impact the capital adequacy ratio, net worth and
credibility of banks. Rising NPAs have direct impact on the bottom
line as legally banks cannot book income on such accounts. Indian
banks need to be more proactive in all their operations,
particularly risk identification and management, to operate
profitably in the prevailing milieu. The book discusses credit
risk, which is one of the major risks faced by Indian banks because
lending policy is a significant driver of NPAs. Analysis reveals
that there is a rising cause for concern about NPAs. The parameters
indicate a need for initiating strategic imperatives at both micro
and macro levels, failing which the situation can spiral out of
control. The book is written with the express purpose of analyzing
trends in NPAs in Indian banks and putting forth useful suggestions
for managing credit risk. It should be of use to banking
professionals and finance students.
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