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ISSN 2063-5346
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Comparative Study on Non -Performing Assets (NPAs) in Scheduled Commercial, Public Sector, Private Sector and Foreign Banks in India

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Punida Arpitha B
» doi: 10.48047/ecb/2023.12.si7.339

Abstract

The banking industry in India has seen a complete transformation during the post-reform era. For Indian banks, new difficulties have arisen as a result of increasing competition. Consequently, criteria for measuring banks' performance have also been altered. The non-performing assets (NPAs) of India's Scheduled Commercial, Public Sector, Private Sector, and Foreign Banks are the primary focus of this paper's empirical approach to the examination of profitability indicators. One of the biggest problems for Indian banks is non-performing assets. The performance of banks is reflected by NPAs. Because of the existence of NPAs, the banks' ability to make money and profitability are significantly impacted. High NPA levels imply numerous credit defaults which have an impact on the bank's profitability and net worth. NPA has a significant impact on both public and private sector banks. In this paper, an effort has been made to assess the operational performance of the chosen Scheduled Commercial, Public Sector, Private, and Foreign Banks in India as well as to examine how effectively the banks can manage NPA. When compared to the other studied banks, the size of the NPA was relatively higher in Scheduled Commercial banks, but they have managed to keep the number at a feasible level.

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