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In this paper, study is made about the Regional Rural Banks (RRBs) and their management of NPA in India. Due to lending process and weak credit appraisal system, the RRBs have accumulated NonPerforming Asset (NPAs). NPAs adversely affect the capital adequacy ratio that reveals the financial health condition of a bank. The study examines and point out the performance of loan portfolios, the amount of NPAs, problem faced due to existence of NPAs and decision making process of NPA Management in the RRBs. This paper studies samples among 86 regional Rural Banks in Tamilnadu, India. The results are derived from the use of statistical tools like Percentage analysis, ANOVA Test and Karl Pearson's Coefficient of correlation & accordingly suitable suggestions have been made for effective management and controlling of NPAs Overall, we found that the ratio of gross NPAs to total assets and ratio to gross NPAs to total advances in RRBs has constantly decline over the period of time. [ABSTRACT FROM AUTHOR]

Merger and consolidation exercises taking place in Malaysia are just the beginning of a strategic transformation to enhance and upgrade the quality of the domestic financial sector to world class status, preparing them to embark on open competition in line with the World Trade Organisation's (WTO) agenda for services. The second pressure facing smaller domestic banks is the increasing scale of the three biggest banks, which are leaving most of the smaller banks behind. It is obvious that the smaller banks missed the window of opportunity to capitalize on their position as new anchor banks after the first wave of consolidation at the turn of the millennium. In general, this study is aimed to investigate the impact of the merger to the banking industry as well as the impact of the liberalization of the financial market in Malaysia. [ABSTRACT FROM AUTHOR]