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Managing Non-performing Assets in Banks
S. N. Bidani Managing Non-performing Assets in Banks : S. N. Bidani : Vision Books : Book (ISBN: 8170944910)
K. Seethapathi
Pages: 192
Price: Rs. 325
Format: Paperback
ISBN: 8170944910
Not available
Published in 2002
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Definitive NPA training handbook and operations manual for bankers

Non-performing Assets (NPAs) are the smoking gun threatening the very stability of Indian banks. NPAs wreck a bank’s profitability both through a loss of interest income and write-off of the principal loan amount itself.

In a bid to stem the lurking rot, RBI issued in 1993 guidelines based on recommendations of the Narasimham Committee that mandated identification and reduction of NPAs. Their implementation immediately pushed many banks into the red. So serious is the problem that an RBI report suggested that reducing NPAs be treated as a ‘national priority’.

This is a definitive book which tackles the subject of managing bank NPAs in its entirety, starting right from the stage of their identification till the recovery of dues in such accounts.


  • How to identify non-performing assets

  • Asset classification and assessment of provisions

  • Pre-sanction appraisal and post-sanction supervision and follow-up

  • Monitoring system for existing and potential NPAs

  • Rehabilitation of sick non-performing units

  • How to reduce risk-weighted assets

  • NPA recovery through compromise and negotiated settlement

  • Strategies and actionable operational guidelines for reducing NPAs

  • Suggestions for improving bank profitability.

Here is an in-depth treatment for managing NPAs in banks by a veteran banker intimately familiar with the subject. The book will thus serve both as a training handbook and an operations manual for practising bankers.


“Deals with this vital subject systematically and in its entirety.”  —Chairman, IBA

S. N. Bidani

S. N. Bidani is a Mechanical Engineer with a postgraduate diploma in Industrial Management from Delhi University. The Government of India sponsored him for an International Programme in Advanced Industrial Management conducted by the Research Institute of Management Sciences (RVB) of the Netherlands. He had earlier visited the United Kingdom for technical training under a foreign collaboration agreement and successfully implemented industrial projects in India. He held senior techno managerial positions in industrial units for a period over 10 years.

He joined the Punjab National Bank in 1970 as Technical Officer to appraise projects received from entrepreneurs proposing to set up industrial units. He worked in the bank in various capacities and retired as Deputy General Manager from the corporate office of the bank looking after credit policy function. He was co-opted as a member in the support group formed to assist the committee constituted by the Government of India on Management of Non-Performing Assets in banks.

He has authored four books -- Industrial Sickness: Identification and Rehabilitation; Bank Finance for Industry: Working Capital and Term Loan; How Bank Credit is Administered: Supervision and Follow-up and Managing Non-Performing Assets in Banks which were prominently reviewed and commented upon in the media and appreciated by both the banking industry and business.

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