ANVESHAK-International Journal of Management

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Study of Non Performing Assets in Selected Indian Banks


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1 Assistant Professor, PG Department of Commerce, BMS College for Women, Basavanagudi, Bengaluru – 560004, Karnataka, India
     

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The gradual transition towards international accounting standards, income recognition and asset classification has made management of NPA as one of the toughest problem in the decade for the banks. NPAs affect the banks on its solvency, profitability and liquidity. The major aim behind this research is to find out the bank employee perception towards the occurrence of NPA in SBI, ICICI, Axis and PNB. A structured questionnaire was floated amongst the bank employees to find out their perception towards occurrence of NPA. It also highlights the various variables that impact the NPA and the suggestions for speedy recovery of the same. ANOVA test has been adopted to test these variables that affect the occurrence of the NPA. The findings include lack of experienced staff and absence of quality information of the borrower has led to the present situation in the banks.

Keywords

Absence of Quality Information, Banks, Bank Employee, Lack of Experienced Staff, NPA.

JEL Category: E51.

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  • Chakraborty, A. (2012). "Employees perception towards NPAs: A comparative study of public and private sector banks". Business Spectrum, 2012, Vol. 1, No. 3.

  • Naveenan, R.V. (2016). "Warning Signals-A tool to control NPA in the banks". International Journal of Advance Research in Computer Science and Management Studies, 2016, Vol. 4, No. 7, pp. 280-288.

  • Naveenan, R.V., Ravikumar, B., Vijayalakshmi, B. (2018). "Non performing Assets in public sector banks-A cause analysis". American Finance and Banking Review, 2018, Vol. 2, No. 2, pp. 14-18.

  • Ravi Kumar, B., Subba Rao, B.V.S.S., Kusuma, G.D.V. (2018). "Genesis for increase of NPAs in Indian banks-An Empricial Analysis". Journal of Banking and Finance Management, 2018, Vol. 1, No. 1, pp. 1-8.

  • Pradhan, T.K. (2012). "Management of NPA in the commercial banks in Odisha, an Empirical Analysis". International Journal of Scientific and Research Publications, 2012, Vol. 2, No. 9, pp. 1-5.

  • Report on Trend and progress of banking in India, various issues.

  • Available from: http://iba.org.in

  • Available from: http://rbi.org.in

  • Available from: https://economic times.indiatimes.com


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  • Study of Non Performing Assets in Selected Indian Banks

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Authors

B. S. Lalitha
Assistant Professor, PG Department of Commerce, BMS College for Women, Basavanagudi, Bengaluru – 560004, Karnataka, India

Abstract


The gradual transition towards international accounting standards, income recognition and asset classification has made management of NPA as one of the toughest problem in the decade for the banks. NPAs affect the banks on its solvency, profitability and liquidity. The major aim behind this research is to find out the bank employee perception towards the occurrence of NPA in SBI, ICICI, Axis and PNB. A structured questionnaire was floated amongst the bank employees to find out their perception towards occurrence of NPA. It also highlights the various variables that impact the NPA and the suggestions for speedy recovery of the same. ANOVA test has been adopted to test these variables that affect the occurrence of the NPA. The findings include lack of experienced staff and absence of quality information of the borrower has led to the present situation in the banks.

Keywords


Absence of Quality Information, Banks, Bank Employee, Lack of Experienced Staff, NPA.

JEL Category: E51.


References





DOI: https://doi.org/10.15410/aijm%2F2020%2Fv9i1%2F149823