NON PERFORMING ASSETS IN C0-0PERATIVE BANKS

Co-operative banks have evolved as one of the most effective instruments of economic transformation. However, credit risk is acute due to their priority sector lending in the federal co-operative credit structure. Non Performing Assets (NPAs) in the loan portfolio jeopardize the economy at the macro and micro level. Despite effective credit management, the presence of NPAs in the portfolio of Central Co-operative Banks has become unavoidable. This book probes into the status of NPAs and their effect on the financial health - profitability, liquidity and solvency. Default of co-operative credit has a detrimental effect on each level of the federal co-operative credit structure. The causative factors for default of co-operative credit and the factors discriminating defaulters have been identified. This book would benefit researchers and bankers interested in the field of NPA Management in Co-operative Banks.