Review of Professional Management- A Journal of New Delhi Institute of Management

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Non-Performing Assets-A Study of Scheduled Commercial Banks in India


Affiliations
1 Dept. of Business Management, Vaageswari College of Engineering, Karimnagar, Telangana, India
2 Kakatiya University, Warangal, Telangana, India
 

Banking sector is the back bone of nation’s economy. In India, banking sector is playing a vital role in economic development of by providing the required finance to various sectors. One of the primary functions of banks is lend money. Banks create credit to extend financial assistance in the form of business loans, agricultural loans, vehicle (automobile) loans, housing loans, personal loans etc. This lending process results credit risk to banks and then lead to non-performing assets (NPAs). These NPAs increase the carrying cost and adversely affect the profitability of banks and finally show negative impact on banks’ net worth. The present paper is aimed to study the performance of public sector in India with reference to their NPAs.

Keywords

Public Sector Banks, Gross NPAs, Net NPAs Economic Development, Capital Adequacy.
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  • Non-Performing Assets-A Study of Scheduled Commercial Banks in India

Abstract Views: 588  |  PDF Views: 194

Authors

E. Hari Prasad
Dept. of Business Management, Vaageswari College of Engineering, Karimnagar, Telangana, India
G. V. Bhavani Prasad
Kakatiya University, Warangal, Telangana, India

Abstract


Banking sector is the back bone of nation’s economy. In India, banking sector is playing a vital role in economic development of by providing the required finance to various sectors. One of the primary functions of banks is lend money. Banks create credit to extend financial assistance in the form of business loans, agricultural loans, vehicle (automobile) loans, housing loans, personal loans etc. This lending process results credit risk to banks and then lead to non-performing assets (NPAs). These NPAs increase the carrying cost and adversely affect the profitability of banks and finally show negative impact on banks’ net worth. The present paper is aimed to study the performance of public sector in India with reference to their NPAs.

Keywords


Public Sector Banks, Gross NPAs, Net NPAs Economic Development, Capital Adequacy.

References





DOI: https://doi.org/10.20968/rpm%2F2017%2Fv15%2Fi2%2F163911