那格浦尔地区中央合作银行不良资产表现

K. R. Bhaskar, V. O. Bondhare, P. Deshmukh
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摘要

本文以那格浦尔地区中央合作银行不良资产绩效为研究对象,采用二手数据进行研究。从1980-81年至2010-11年期间,从银行的各种年度报告中收集了与研究方面相关的时间序列数据。在数据分析的基础上,国家建行在分支机构数量、会员总数、实收股本、自有备付金、存款总额、流动资金等方面表现良好,经过一段时间后,发现这些指标均为正增长且显著增长。国家建设银行的分支机构数量在整个期间显示出18.69%的正增长率。在研究期间,会员总数以11.77的速度呈现增长趋势。实缴股本的领先优势为2.55%,而自有资金的领先优势为4.54%。存款总额日益增加,反映了人们对银行的信心。在研究期间,其增长率为4.19%。由于一些金融腐败,银行面临着巨大的损失。为了弥补这一损失,银行不得不定期向国家合作银行贷款。因此,在研究期间,借款数额的增长率为15.49%。尽管银行业务起伏不定,但在研究期间,国家建设银行的营运资金呈正增长趋势。贷款拨付(即贷款和垫款)和SAO呈显著正增长,体现了银行对农业金融的贡献。逾期贷款、未偿贷款和不良资产日益增加是银行面临的主要问题,导致银行的总亏损不断增加。与MT和LT贷款相比,ST贷款的未偿贷款和逾期贷款的增长率更高。随着时间的推移,银行的不良资产状况也在恢复。因此,总体而言,国家建设银行的总亏损从2003年到2010年呈增加趋势(即从121.99亿卢比增加到255.25亿卢比),预计国家建设银行在银行业务中处于持续亏损状态。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Performance of non-performing assets of Nagpur district Central Co-operative Bank
The research entitled, performance of non-performing assets of Nagpur District Central Co-operative Bank was carried and study is based on secondary data. The time series data relating to aspect of study was collected for the period from 1980-81 to 2010-11 from various annual reports of the bank. On the basis of analysis of data, NDCCB show good performance about number of branches, total member, paid up share capital, own reserved funds, total deposits and working capital, which were found to be positive and significant increased over a period of time. Number of branches of NDCCB, shows the positive growth rate of 18.69 per cent on overall period. Total member shows the increasing trends at the rate of 11.77 during study period. Paid up share capital found good and progressive lead of 2.55 per cent while that of own fund is 4.54 per cent. Total deposits are increasing day by day which reflect the faith of people on bank. It has the growth rate of 4.19 per cent during study period. Due to some financial corruption the bank has to face the loss large amount. To cover this loss bank has to regularly take loan from State Co-operative bank. Thus, the amount of borrowing shows the growth rate of 15.49 per cent during study period. Though there is much up and down in banking business, working capital of NDCCB shows the positive growth during study period. Loan disbursed i.e. loan and advances and SAO shows positive and significant growth, which reveals the contribution of bank on agricultural finance. Loan overdues, loan outstanding and NPA are increasing day by day which are the major problems of bank which leads to increasing the gross loss of bank. The growth rate of loan outstanding and loan overdues is found more in ST loan as compared to MT and LT loan. The NPA position of bank is also recovering as the passage of time. Thus, on overall basis, the gross loss increased by the NDCCB was found increasing trend from the year 2003 to 2010 (i.e. from Rs. 121.99 crore to Rs. 255.25 crore.) projected that the NDCCB was found in continuous loss in banking business.
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