NIIT University (NU) Unveils a Book on Banking Industry and Non-Performing Assets (NPAs)

Business Wire India

Book launch on ‘Banking Industry and Non-Performing Assets (NPAs)’ at NIIT University, Neemrana campus
Book launch on ‘Banking Industry and Non-Performing Assets (NPAs)’ at NIIT University, Neemrana campus

  • Co-authored by Prof Arun Kumar, Associate Professor, NU; Mr. Anoop Kumar Sharma & Mr. Ganesh Komma, former students, highlighting exemplary teamwork between faculty & students at NU
  • Draws to light the little-known fact that ‘Good NPAs’ can be profitable for banks

Established with a vision to bring about innovation in higher education and learning in emerging areas of the knowledge society, the not-for-profit NIIT University (NU), launched a book, ‘Banking Industry and Non-Performing Assets (NPAs)’ at its Neemrana campus. The book is co-authored by Prof Arun Kumar, Associate Professor, NU; Mr. Anoop Kumar Sharma and Mr. Ganesh Komma, both currently working with ICICI Bank and former students of NU’s industry linked MBA program in collaboration with ICICI Bank.

Banking Industry and Non-Performing Assets highlight the problem of NPAs faced by the Indian Banking Industry. It analyses the top 10 cases of NPAs and suggests remedial measures that need to be taken to avoid them in the future. The book also highlights the little-known fact that not all NPAs are bad.

The book was unveiled by Mr. A C Rout, ED, Bank of Maharashtra; Mr. Sanjay Arya, Ex- ED, United Bank of India and Mr. Rajendra S Pawar, Chairman & Co-Founder, NIIT Group & Founder, NU. A panel discussion was also conducted on ‘NPA – the road ahead’, following the book launch. Mr. Sanjay Arya, Ex- ED, United Bank of India; Mr. Partho Chakraborty, Product Head, Dsmg – Mortgages, ICICI Bank Ltd; Prof Arun Kumar (Author); Mr. Anoop Sharma (Author) and Mr. Ganesh Komma (Author) participated in the panel discussion. Mr. DK Gupta, Ex- GM, SBI was the Moderator for the session.

The panel discussion broadly focused on present position of NPA in Indian Banking Industry, root causes of these NPA, various recovery options available, how to contain future growth in NPA and role of IT in containing future NPA.

The interesting fact that came to light was that there are Good NPAs and there are Bad NPAs. Good NPAs are those where borrower’s intention was good, but account became NPA due to external factors that are beyond their control. Further, the NPAs can become goldmines as these are the assets in which banks would have generally made 100% provisions, so any recovery will add to the profit of the bank.

Congratulating the authors, Prof V S Rao, President, NU said, “I congratulate the authors on successfully putting together a book on a subject that is impacting the banking industry. The book also exemplifies team work and critical thinking that lies at the core of education delivered at NIIT University. Our focus is to impart education that will enable our students to think critically and come up with solutions.”

Prof Arun Kumar, Associate Professor, NU and Co Author, Banking Industry and Non-Performing Assets (NPAs), said, “NPA is one of the major challenges that the Indian banking system is grappling with. Besides coming in the way of future bank lending, as banks become over cautious and risk averse, NPAs have impacted the credit growth adversely. This has prompted us to come up with a book highlighting the criticality of the subject.”

“To deal with the problem of NPA I would like to propose a deposit scheme with bail-in option wherein the depositors will get risk premium. That is, one to two percent higher interest than the normal depositors and the deposit may be converted into equity in case of bail in. I would humbly request the Hon’ble FM to consider this innovative idea in the forthcoming budget,” added Prof Arun Kumar.

Conceptualized as an institution of excellence, NU provides exceptional education based on the Four Core Principles that make learning Industry-linked, Technology-based, Research-driven and Seamless. NU, is well poised for meeting the emerging needs of the knowledge economy through its focus on building strong industry linkages and a research oriented approach. About NU

Established in 2009, NIIT University (NU) is a not-for-profit University covered under section 2(f) of UGC Act and notified by the Government of Rajasthan. A premier institution of higher learning and research, NU seeks to create original thinkers who will lead the knowledge society of the future. The University inherits three decades of rich expertise and global know-how of its principal sponsor, the NIIT Group.

Nurtured by some of the foremost thought leaders and corporate-practitioners of the country, the multi-disciplinary University focuses on emerging areas of technology and management. NIIT University is a part of a 100-acre campus at Neemrana, Rajasthan, 90 kms from Gurugram on NH8.

Nestled in the Aravali hills, the fully residential green campus offers an idyllic and intellectually vibrant environment for pursuing higher education and research. Set up with the vision to be the role model of learning, research, innovation and sustainability, for the knowledge society, NU is dedicated to building great careers and ensuring excellent job opportunities to all its students. It has been developed as an institute of excellence to provide exceptional education based on its Four Core Principles that make learning Industry-linked, Technology-based, Research-driven and Seamless.

NU offers the entire spectrum of academic programs. At the undergraduate level, it offers B.Tech (Computer Science & Engineering, Electronics & Communication, Biotechnology), BBA (Marketing & Marketing Analytics, Family Business & Entrepreneurship, Finance, Banking & Fintech, Business Analytics, Communication & Media Studies and Digital & Social Media Marketing), 4-year Integrated M.Sc (Computer Science), 4-year Integrated BBA – MBA, 5-year Integrated B.Tech – M.Tech and M. Tech (Educational Technology and Geographic Information Systems). NIIT University also offers a 5-year dual degree B.Tech & M.S program (In collaboration with University of Missouri, Kansas City) wherein students undertake academic work at NU for 3.5 years and then continue at UMKC for 1.5 years. In addition, NIIT University also offers MBA, Ph.D programs and several Industry Sponsored Programs. 

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