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United Bank of India: Present Fiasco and Future Plans
內容大綱
In 2013, United Bank of India (UBI), predominantly present in the eastern and northeastern parts of India, faces considerable difficulty in managing its swelling amounts of bad debt. A forensic enquiry by an external agency has identified some serious problems in the bank’s credit appraisal process, loan disbursement procedures, and non-performing assets (NPA) detection system. With the bank’s year-over-year growth of NPAs surpassing the growth of its credit, the management team faces the urgent task of developing an effective turnaround strategy to bring the bank back into a profit position.
學習目標
The case is suitable for senior undergraduate or graduate courses on corporate financial strategy, management of financial institutions/services, and commercial lending and financial structuring. The scope of this case is not restricted to the finance domain alone; it could effectively be used in general management and strategy courses to examine organizational transformation and the strategies behind it. Objectives include the following:<ul><li>To provide an overview of the general banking industry in India.</li><li>To help students understand the operations, management, and ownership structure of the public- and private-sector banks in India.</li><li>To illustrate the challenges faced by management in the public-sector banks in dealing with NPL problems.</li><li>To evaluate UBI’s performance.</li><li>To identify the factors contributing to the NPL fiasco at UBI.</li><li>To analyze the possible action plans for UBI to resolve its NPL problems.</li></ul>