Asset Quality and Non Performing Assets of Indian Commercial Banks
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| Title | Asset Quality and Non Performing Assets of Indian Commercial Banks |
| Authors | |
| Abstract | The NPAs are considered as an important parameter to judge the performance and financial health of banks. The level of NPAs is one of the drivers of financial stability and growth of the banking sector. Indian banking industry has undergone several changes during the liberalization process. However, one nagging problem affecting the banking sector has been the high level of non- performing assets. NPA is non-performing assets, which are not producing any new income. High non-performing assets affect the profitability, productivity, capital adequacy and competitiveness of banks. These have become the major concern of banks in India. NPA’s have direct impact on net-profit and also on the performance of the banks. The recognition of income norms for banks also posed a serious concern to commercial banks. Management of NPAs , therefore, assumes significance in management of banks. Regulators and policy makers for banks have been taking measures to bring down the level of NPA in Indian commercial banks. The reforms measures and policy initiatives have resulted in reducing the level of NPAs in Indian commercial banks.. This paper analyses the trends in non-performing assets of Indian Scheduled Commercial banks and analyse the comparison of public sector banks, private sector banks and foreign banks. The paper further attempts to study the gross NPAs and Net NPAs. .It further examines the Categorywise NPAs. The study shows that the public sector banks have higher levls of NPAs in comparison to private and foreign banks |
| Publisher | World Science Publisher |
| Date | 2012-04-07 |
| Source | 2167-6429 |
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