QUALITY MANAGEMENT OF INVESTMENT PORTFOLIO IN PUBLIC SECTOR BANKS OF INDIA
Keywords:
Public Sector Banks, gross and net value of investment, provisions, asset qualityAbstract
The banking sector is major constituent of total financial system in India. It provides various facilities and options to its customers. Banks provide ample services like providing loans, credits, safeguarding money, accepting deposits, checking accounts, money orders and cashier’s cheque. Undeniably success or failure of any economy depends majorly on banking system. Soundness and profitability of bank depends upon the quality of assets it embodies.After loans and advances, second major assets in banking sector is always investments. Surplus funds of a bank are usually invested in various securities. Furthermore liquid assets of the bank, which are mandatory as per banking laws, are invested in RBI approved securities. This paper examines the quality management of investment portfolio of selected banks by evaluating and analyzing gross value of investments, provisions made during the year for depreciation and non performing investment, percentage of provisions to gross investments and net value of investments in the selected public sector banks.
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