DeVry University is accredited by The Higher Learning Commission of the North Central Association, . Keller Graduate School of Management is included in this accreditation. In New York, DeVry University operates as DeVry College of New York. DeVry University operates as DeVry Institute of Technology in Calgary, Alberta. DeVry is certified to operate by the State Council of Higher Education for Virginia. AC0060. DeVry University is authorized for operation by the THEC. /thec. Nashville Campus - 3343 Perimeter Hill Dr., Nashville, TN 37211 Program availability varies by location. (c)2010 DeVry Educational Development Corp. All rights reserved.
Hello Insights, you have written a very excellent and knowledge articles. I would like to make some points.
1. Though you are right that about 80% of NPAs has been constituted by corporate sector but I had read somewhere that on a sectoral basis it is vice-versa. This means that ratio of total outstanding debt to total amount lending extended to agriculture is more than corporate sector.
2. One of reason of external NPAs can be political meddling. It has been seen that state governments have been waiving loans extended to farmers which come as a huge burden to financial health and overall liquidity ratio of the bank.
3. You have pointed that banks need to be conservative in granting loans to sectors which have long gestation period like Infrastructure sector. One approach shall be that banks shall grant loans to such projects but only after all clearance have been taken by the promoters which may be departmental, environmental, legal or local. It has been seen that infra projects are pending due to clearance and this leads to increase in their gestation period which amounts to NPAs of banks