• Dr Mohina

In the present study, an attempt is made to analyze and compare the system for dealing with problem loans of selected public and private sector banks in India namely State Bank of India, Syndicate Bank, Punjab National Bank, Union Bank of India, Bank of Baroda, Andhra Bank, Oriental Bank of Commerce, IDBI, ICICI Bank, Axis Bank Limited and HDFC in the area of Haryana and Delhi (including NCR). The collected data is analysed with the help of various statistical techniques such as frequency, percentage, mean and standard deviation. To validate the results, t-statistic and ANOVA technique has been used. The bank-wise ANOVA results of various public sector banks show that there is a significant difference among the bankers’ viewpoint with regard to the remedial management process includes review of collateral and security documents, confirmation of a guarantor’s intention to guarantee loans with a signed document and policy for periodic reappraisal of collateral securities; whereas there is no significant difference among the bankers’ viewpoint with regard to the appropriateness of risk rating criteria and methodology for the obligor’s risk profile and specific risk in the environment. There is also a significant difference among the viewpoint of respondents of private sector banks towards the appropriateness of risk rating criteria and methodology for the obligor’s risk profile and specific risk in the environment; whereas there is no significant difference among the viewpoint of respondents of private sector banks towards the remedial management process includes review of collateral and security documents, confirmation of a guarantor’s intention to guarantee loans with a signed document and policy for periodic reappraisal of collateral securities. The results of t-test shows the bankers’ viewpoint towards the appropriateness of risk rating criteria and methodology for the obligor’s risk profile and specific risk in the environment, remedial management process includes review of collateral and security documents, confirmation of a guarantor’s intention to guarantee loans with a signed document and policy for periodic reappraisal of collateral securities; among public and private banks is not found significantly different.

Risk Rating Criteria, Remedial Management Process and Reappraisal of Collateral Securities.

"Appraisal of System for Dealing with Problem Loans of Selected Public and Private Sector Banks", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 3, page no.446-451, March-2018, Available :http://www.jetir.org/papers/JETIR1803082.pdf

"Appraisal of System for Dealing with Problem Loans of Selected Public and Private Sector Banks", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 3, page no. pp446-451, March-2018, Available at : http://www.jetir.org/papers/JETIR1803082.pdf