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· Copy of execution application, with exact date of filing.

· Professional fee bill of the advocate.

· Format of advocate, in respect of cases already assigned to him and professional fee paid.

HYPOTEHSIS TESTING

HYPOthesis

Hypothesis can be defined as logically conjectured relationship between two or more variables expressed in the form of a testable statement. Relationship are conjectured on the basis of network of associations established in the theoretical framework formulated for the research study.

So I reject H0 and accept H1 that there is relationship between the securities and bad debts. So securities can minimize the bad debts of the banks.

CONCLUSION

As calculated value of t=3.97 is greater than t tabulated value 2.045 so I reject H0 and accept H1 that there is a relationship between securities and bad debts.

RESULTS AND CONCLUSION

CONCLUSION

From what has been started above I am of like view that finances (loan) are major source of earning and generating revenue for the banks. To secure this portfolio, securities like principal and collateral from of marketable, sharp-edged and tangible from constitute a powerful tool to ensure that interest and principal and is repaid by the borrowers as per terms and condition of respective contracts. So quality of securities makes this process fruitful and result oriented. They provide 100% securities of recovery to the banks through normal course of recovery of through legal proceedings and minimize the risk of conversion of good assets to bad assets. Good and easily excusable securities against loans increased the quality of assets (fund based and non fund based) of any financial institution, and displays powerful image and loaning extended by the credit department to its customers/borrowers.

SUGGESTIONS AND RECOMMENDATION

Banks officials engaged in process of lending should be well equipped of following qualities

* A big help can be take from credit scoring agencies

Skills in handling different type of finances

* Should have up to date knowledge for proper selection of securities of sound value for securing finances in view of requirement of time.

* Should be aware about important of obtaining complete flow less documentation.

* Satisfaction about actual credit worthiness of the borrowers may be obtained through reports about them. Their associates and sister concerns from other banks.

* Nature value, more ability of the securities offered by the customers should be properly assessed.

* Re-payment capacity and financial discipline of the customers may be obtained.

* The purpose and end use of the finance should be of a productive business nature.

* Quality of management of borrower in respect of integrity and ability is most important factor in success or failure of business which should be thoroughly investigate本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。