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Non-Performing Assets of Indian Commercial Banks:A Critical Evaluation


Affiliations
1 Department of MBA, Brindavan College, Yelahanka, Bangalore, India
 

The issue of Non-Performing Assets (NPA) in the banks is discussed. The magnitude and trend in NPA are studied for the 5 year period 2008-13, using a suitable classification of the banks. A critical evaluation of the reasons and a few recommendations are made which have positive practical implications.

Keywords

Asset Quality, Capital Adequacy Ratio, Development Envelopment Analysis, Doubtful Assets, Financial Intermediation, Financial Sector Reforms, Interest Rate Spread, Loan Servicing and Collateral, Loss Assets, Non-Performing Assets, Private Sector Banks, Pu
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  • Bloem, A.M. and Cornelis N. Gorters (2001): The Macroeconomic Statically Treatment of Nonperforming Loans, Discussion Paper, Statistics Department of the International Monetary Fund, December.

  • Das, A. and Ghosh, S. (2003): Determinants of Credit Risk, paper presented at the Conference on Money Risk and Investment held at Nottingham Trent University (November).

  • Ghosh, S (2005). Does Leverage Influence Bank’s Non-Performing Loan?: Evidences from India.

  • Applied Economic Letters, 12 (15): 913-18.

  • Ranjana Kumar (2004) “Move towards Risk Based Supervision of Banks: The Role of the Central Banker and the Market Players, Vinimaya, Vol. XXIV, No.1, NIBM Publication, pp 5-12 5. Mohan Rakesh (2004): Finance for Industrial Growth Reserve Bank Of India Bulletin Speech Article (March).

  • Vohra, P.S and Dhamu, J. (2012): NPA management-Always a critical issue for banking industry. Journal of banking, information and management. 9(2), 25-32


Abstract Views: 182

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  • Non-Performing Assets of Indian Commercial Banks:A Critical Evaluation

Abstract Views: 182  |  PDF Views: 87

Authors

Mohammed Arif Pasha
Department of MBA, Brindavan College, Yelahanka, Bangalore, India
T. Srivenkataramana
Department of MBA, Brindavan College, Yelahanka, Bangalore, India

Abstract


The issue of Non-Performing Assets (NPA) in the banks is discussed. The magnitude and trend in NPA are studied for the 5 year period 2008-13, using a suitable classification of the banks. A critical evaluation of the reasons and a few recommendations are made which have positive practical implications.

Keywords


Asset Quality, Capital Adequacy Ratio, Development Envelopment Analysis, Doubtful Assets, Financial Intermediation, Financial Sector Reforms, Interest Rate Spread, Loan Servicing and Collateral, Loss Assets, Non-Performing Assets, Private Sector Banks, Pu

References