International Journal of Advanced Research in Management (IJARM)

Source ID:00000012
Volume 11, Issue 2,May – August 2020, Pages 14-20, Page Count - 7

NON-PERFORMING ASSETS: ROTS INDIAN BANKING SYSTEM

B. Sudha (1) R. Alamelumangai (2)

(1) Associate Professor, Department of Banking Management, Alagappa University, Karaikudi, Tamil Nadu, India.
(2) Professor, Department of Banking Management, Alagappa University, Karaikudi, Tamil Nadu, India.

Manuscript ID:- 00000-45686
Access Type : Open Access
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Cite this article:B. Sudha,R. Alamelumangai,  Non-performing Assets: Rots Indian Banking System, International Journal of Advanced Research in Management(IJARM), 2020, 11(2), PP.14-20

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Abstract

Asset quality is one of the vital areas in determining the soundness of a bank. The rise in NPAs will directly have an impact on the major functioning of the banks. The credit distribution of the Scheduled Commercial Banks (SCBs henceforth) binds the working capital needs of the different sectors in the economy like Agriculture, Industry, Infrastructure, Power and Transport, Personal Loans and Household credits. Addressing the SCBs asset quality concerns and strengthening its balance sheets to reinvigorate credit growth is clearly the highest priority of RBI and the Government. The analysis revealed that the gross NPAs of public sector banks increased by 311.22% from 2013 to 2017. Likewise, the gross NPAs of private banks witness an increase of 269.47% from 2013 to 2017. The correlation analysis revealed that there exists a linear relationship between the Gross advances and GNPAs of all Bank groups.
Author Keywords
NPA; banks; advances; asset quality; borrowers


ISSN Print: 0976-6324 ISSN Online: 0976-6332
Source Type: Journals Document Type: Journal Article
Publication Language: English DOI:
Abbreviated Journal Title: IJARM Access Type: Open Access
Publisher Name: IAEME Publication Resource Licence: CC BY-NC
Major Subject:Social Sciences and Humanities Subject Area classification: Social Sciences
Subject area: Banking and Insurance Management Source: SCOPEDATABASE

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