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<!DOCTYPE html> <html > <head> <meta charset="utf-8"> <meta rel="search" type="application/opensearchdescription+xml" href="/open_search.xml" title="Academia.edu"> <meta content="width=device-width, initial-scale=1" name="viewport"> <meta name="google-site-verification" content="bKJMBZA7E43xhDOopFZkssMMkBRjvYERV-NaN4R6mrs"> <meta name="csrf-param" content="authenticity_token" /> <meta name="csrf-token" content="0xO-b4LDhfwMc3Jp5IVOkgXd6NrTXXjnHgMav1wNgO9R-8RnNtBZwfyxudt2f2yR6Qw79Xd11d6ANNMyk1jqfA" /> <meta name="citation_title" content="A STUDY ON NON-PERFORMING ASSETS OF STATE BANK OF INDIA" /> <meta name="citation_author" content="International Research Journal Commerce arts science" /> <meta name="twitter:card" content="summary" /> <meta name="twitter:url" content="https://www.academia.edu/27301337/A_STUDY_ON_NON_PERFORMING_ASSETS_OF_STATE_BANK_OF_INDIA" /> <meta name="twitter:title" content="A STUDY ON NON-PERFORMING ASSETS OF STATE BANK OF INDIA" /> <meta name="twitter:description" content="&quot; The three letters Strike terror in banking sector and business circle today &quot;. NPA is short form of &quot; Non Performing Asset &quot;. The economic future of the country is wholly dependent on banking sector. The problem of NPA show" /> <meta name="twitter:image" content="https://0.academia-photos.com/9989691/3092882/3643390/s200_cas.irj.jpg" /> <meta property="fb:app_id" content="2369844204" /> <meta property="og:type" content="article" /> <meta property="og:url" content="https://www.academia.edu/27301337/A_STUDY_ON_NON_PERFORMING_ASSETS_OF_STATE_BANK_OF_INDIA" /> <meta property="og:title" content="A STUDY ON NON-PERFORMING ASSETS OF STATE BANK OF INDIA" /> <meta property="og:image" content="http://a.academia-assets.com/images/open-graph-icons/fb-paper.gif" /> <meta property="og:description" content="&quot; The three letters Strike terror in banking sector and business circle today &quot;. NPA is short form of &quot; Non Performing Asset &quot;. The economic future of the country is wholly dependent on banking sector. The problem of NPA show" /> <meta property="article:author" content="https://independent.academia.edu/CASIRJ" /> <meta name="description" content="&quot; The three letters Strike terror in banking sector and business circle today &quot;. NPA is short form of &quot; Non Performing Asset &quot;. The economic future of the country is wholly dependent on banking sector. The problem of NPA show" /> <title>(PDF) A STUDY ON NON-PERFORMING ASSETS OF STATE BANK OF INDIA</title> <link rel="canonical" href="https://www.academia.edu/27301337/A_STUDY_ON_NON_PERFORMING_ASSETS_OF_STATE_BANK_OF_INDIA" /> <script async src="https://www.googletagmanager.com/gtag/js?id=G-5VKX33P2DS"></script> <script> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'G-5VKX33P2DS', { cookie_domain: 'academia.edu', send_page_view: false, }); gtag('event', 'page_view', { 'controller': "single_work", 'action': "show", 'controller_action': 'single_work#show', 'logged_in': 'false', 'edge': 'unknown', // Send nil if there is no A/B test bucket, in case some records get logged // with missing data - that way we can distinguish between the two cases. // ab_test_bucket should be of the form <ab_test_name>:<bucket> 'ab_test_bucket': null, }) </script> <script> var $controller_name = 'single_work'; var $action_name = "show"; var $rails_env = 'production'; var $app_rev = '107520bac59918e2ceae62eaadd15bff3d1e7904'; var $domain = 'academia.edu'; var $app_host = "academia.edu"; var $asset_host = "academia-assets.com"; var $start_time = new Date().getTime(); var $recaptcha_key = "6LdxlRMTAAAAADnu_zyLhLg0YF9uACwz78shpjJB"; var $recaptcha_invisible_key = "6Lf3KHUUAAAAACggoMpmGJdQDtiyrjVlvGJ6BbAj"; var $disableClientRecordHit = false; </script> <script> window.require = { config: function() { return function() {} } } </script> <script> window.Aedu = window.Aedu || {}; window.Aedu.hit_data = null; window.Aedu.serverRenderTime = new Date(1740873973000); window.Aedu.timeDifference = new Date().getTime() - 1740873973000; </script> <script type="application/ld+json">{"@context":"https://schema.org","@type":"ScholarlyArticle","abstract":"\u0026amp;quot; The three letters Strike terror in banking sector and business circle today \u0026amp;quot;. NPA is short form of \u0026amp;quot; Non Performing Asset \u0026amp;quot;. The economic future of the country is wholly dependent on banking sector. The problem of NPA show signs of \u0026amp;quot;persistent bane of hitherto developmental policies\u0026amp;quot;. \u0026amp;quot;New stratagem is required to attempt effacing of the NPA menace\u0026amp;quot;. The significance of the paper is expected to be an immense use to fulfill consumer needs and facing competition with other banks. This study provides the information related to solve NPA problem. The study uses the annual reports of SBI for the period of year 2007-2008 to 2013-2014. The motive of present study is to assess the non performing assets of SBI and its impact on profitability \u0026amp;amp; to see the relationship between Total Advances, Net Profits, NET \u0026amp;amp; GROSS NPA. The study also includes advances and NPA of SBI groups by Priority \u0026amp;amp; Non Priority sectors. The study has been analyzed by using tables and coefficient of correlation. The major reason of increased NPA is banks focal point on quantitative aspect of achieving targets and less attention being paid towards qualitative aspect of loan and credit disbursement of money \u0026amp;amp; mismanagement of funds. INTRODUCTION NPA is short form of \u0026amp;quot; Non Performing Asset \u0026amp;quot;. We know the built up of NPA has been the major factor in destroying the profitability of the Public sector Banks in India, the Narasimham Committee (II) underscored the need to reduce the average level of NPAs of all banks and recommended prudential norms on income recognition, asset classification \u0026amp;amp; provisioning. The dreaded NPA rule says simply this: when interest or other due to a bank remains unpaid for more than 90 days, the entire bank loan automatically turns a non performing asset [1]. The recovery of loan has always been problem for banks and financial institution [1]. To come out of these first we need to think is it possible to avoid NPA, no cannot be then left is to look after the factor responsible for it and managing those factors [3]. With a view to moving towards international best practices and to ensure greater transparency, it has been decided to adopt the \u0026amp;quot; 90 days\u0026amp;#39; overdue\u0026amp;#39; norm for identification of NPAs, from the year ending March 31, 2004 [3].","author":[{"@context":"https://schema.org","@type":"Person","name":"International Research Journal Commerce arts science","url":"https://independent.academia.edu/CASIRJ","image":"https://0.academia-photos.com/9989691/3092882/3643390/s200_cas.irj.jpg","sameAs":["http://www.casirj.com"]}],"contributor":[],"dateCreated":"2016-07-27","dateModified":"2024-11-28","headline":"A STUDY ON NON-PERFORMING ASSETS OF STATE BANK OF INDIA","image":"https://attachments.academia-assets.com/47559545/thumbnails/1.jpg","inLanguage":"en","keywords":["Management","Sciences Humaines","Socoiology"],"publisher":{"@context":"https://schema.org","@type":"Organization","name":null},"sourceOrganization":[{"@context":"https://schema.org","@type":"EducationalOrganization","name":null}],"thumbnailUrl":"https://attachments.academia-assets.com/47559545/thumbnails/1.jpg","url":"https://www.academia.edu/27301337/A_STUDY_ON_NON_PERFORMING_ASSETS_OF_STATE_BANK_OF_INDIA"}</script><style type="text/css">@media(max-width: 567px){:root{--token-mode: Rebrand;--dropshadow: 0 2px 4px 0 #22223340;--primary-brand: #0645b1;--error-dark: #b60000;--success-dark: #05b01c;--inactive-fill: #ebebee;--hover: #0c3b8d;--pressed: #082f75;--button-primary-fill-inactive: #ebebee;--button-primary-fill: #0645b1;--button-primary-text: #ffffff;--button-primary-fill-hover: #0c3b8d;--button-primary-fill-press: #082f75;--button-primary-icon: #ffffff;--button-primary-fill-inverse: #ffffff;--button-primary-text-inverse: #082f75;--button-primary-icon-inverse: 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window.loswp.shouldDetectTimezone = true; window.loswp.shouldShowBulkDownload = true; window.loswp.showSignupCaptcha = false window.loswp.willEdgeCache = false; window.loswp.work = {"work":{"id":27301337,"created_at":"2016-07-27T04:35:00.906-07:00","from_world_paper_id":null,"updated_at":"2024-11-28T10:59:51.241-08:00","_data":{"abstract":"\" The three letters Strike terror in banking sector and business circle today \". NPA is short form of \" Non Performing Asset \". The economic future of the country is wholly dependent on banking sector. The problem of NPA show signs of \"persistent bane of hitherto developmental policies\". \"New stratagem is required to attempt effacing of the NPA menace\". The significance of the paper is expected to be an immense use to fulfill consumer needs and facing competition with other banks. This study provides the information related to solve NPA problem. The study uses the annual reports of SBI for the period of year 2007-2008 to 2013-2014. The motive of present study is to assess the non performing assets of SBI and its impact on profitability \u0026 to see the relationship between Total Advances, Net Profits, NET \u0026 GROSS NPA. The study also includes advances and NPA of SBI groups by Priority \u0026 Non Priority sectors. The study has been analyzed by using tables and coefficient of correlation. The major reason of increased NPA is banks focal point on quantitative aspect of achieving targets and less attention being paid towards qualitative aspect of loan and credit disbursement of money \u0026 mismanagement of funds. INTRODUCTION NPA is short form of \" Non Performing Asset \". We know the built up of NPA has been the major factor in destroying the profitability of the Public sector Banks in India, the Narasimham Committee (II) underscored the need to reduce the average level of NPAs of all banks and recommended prudential norms on income recognition, asset classification \u0026 provisioning. The dreaded NPA rule says simply this: when interest or other due to a bank remains unpaid for more than 90 days, the entire bank loan automatically turns a non performing asset [1]. The recovery of loan has always been problem for banks and financial institution [1]. To come out of these first we need to think is it possible to avoid NPA, no cannot be then left is to look after the factor responsible for it and managing those factors [3]. With a view to moving towards international best practices and to ensure greater transparency, it has been decided to adopt the \" 90 days' overdue' norm for identification of NPAs, from the year ending March 31, 2004 [3].","ai_title_tag":"Non-Performing Assets Analysis in State Bank of India"},"document_type":"paper","pre_hit_view_count_baseline":null,"quality":"high","language":"en","title":"A STUDY ON NON-PERFORMING ASSETS OF STATE BANK OF INDIA","broadcastable":true,"draft":false,"has_indexable_attachment":true,"indexable":true,"seo_quality":null}}["work"]; window.loswp.workCoauthors = [9989691]; window.loswp.locale = "en"; window.loswp.countryCode = "SG"; window.loswp.cwvAbTestBucket = ""; window.loswp.designVariant = "ds_vanilla"; window.loswp.fullPageMobileSutdModalVariant = "control"; window.loswp.useOptimizedScribd4genScript = false; window.loginModal = {}; window.loginModal.appleClientId = 'edu.academia.applesignon'; window.userInChina = "false";</script><script defer="" src="https://accounts.google.com/gsi/client"></script><div class="ds-loswp-container"><div class="ds-work-card--grid-container"><div class="ds-work-card--container js-loswp-work-card with-figures-carousel"><div class="ds-work-card--cover"><div class="ds-work-cover--wrapper"><div class="ds-work-cover--container"><button class="ds-work-cover--clickable js-swp-download-button" data-signup-modal="{"location":"swp-splash-paper-cover","attachmentId":47559545,"attachmentType":"pdf"}"><img alt="First page of “A STUDY ON NON-PERFORMING ASSETS OF STATE BANK OF INDIA”" class="ds-work-cover--cover-thumbnail" src="https://0.academia-photos.com/attachment_thumbnails/47559545/mini_magick20180818-17947-18qljc8.png?1534588892" /><img alt="PDF Icon" class="ds-work-cover--file-icon" src="//a.academia-assets.com/images/single_work_splash/adobe_icon.svg" /><div class="ds-work-cover--hover-container"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span><p>Download Free PDF</p></div><div class="ds-work-cover--ribbon-container">Download Free PDF</div><div class="ds-work-cover--ribbon-triangle"></div></button></div></div></div><div class="ds-work-card--work-information"><h1 class="ds-work-card--work-title">A STUDY ON NON-PERFORMING ASSETS OF STATE BANK OF INDIA</h1><div class="ds-work-card--work-authors ds-work-card--detail"><a class="ds-work-card--author js-wsj-grid-card-author ds2-5-body-md ds2-5-body-link" data-author-id="9989691" href="https://independent.academia.edu/CASIRJ"><img alt="Profile image of International Research Journal Commerce arts science" class="ds-work-card--author-avatar" src="https://0.academia-photos.com/9989691/3092882/3643390/s65_cas.irj.jpg" />International Research Journal Commerce arts science</a></div><div class="ds-work-card--detail"><div class="ds-work-card--work-metadata"><div class="ds-work-card--work-metadata__stat"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">visibility</span><p class="ds2-5-body-sm" id="work-metadata-view-count">…</p></div><div class="ds-work-card--work-metadata__stat"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">description</span><p class="ds2-5-body-sm">6 pages</p></div><div class="ds-work-card--work-metadata__stat"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">link</span><p class="ds2-5-body-sm">1 file</p></div></div><script>(async () => { const workId = 27301337; const worksViewsPath = "/v0/works/views?subdomain_param=api&work_ids%5B%5D=27301337"; const getWorkViews = async (workId) => { const response = await fetch(worksViewsPath); if (!response.ok) { throw new Error('Failed to load work views'); } const data = await response.json(); return data.views[workId]; }; // Get the view count for the work - we send this immediately rather than waiting for // the DOM to load, so it can be available as soon as possible (but without holding up // the backend or other resource requests, because it's a bit expensive and not critical). const viewCount = await getWorkViews(workId); const updateViewCount = (viewCount) => { try { const viewCountNumber = parseInt(viewCount, 10); if (viewCountNumber === 0) { // Remove the whole views element if there are zero views. document.getElementById('work-metadata-view-count')?.parentNode?.remove(); return; } const commaizedViewCount = viewCountNumber.toLocaleString(); const viewCountBody = document.getElementById('work-metadata-view-count'); if (!viewCountBody) { throw new Error('Failed to find work views element'); } viewCountBody.textContent = `${commaizedViewCount} views`; } catch (error) { // Remove the whole views element if there was some issue parsing. document.getElementById('work-metadata-view-count')?.parentNode?.remove(); throw new Error(`Failed to parse view count: ${viewCount}`, error); } }; // If the DOM is still loading, wait for it to be ready before updating the view count. if (document.readyState === "loading") { document.addEventListener('DOMContentLoaded', () => { updateViewCount(viewCount); }); // Otherwise, just update it immediately. } else { updateViewCount(viewCount); } })();</script></div><p class="ds-work-card--work-abstract ds-work-card--detail ds2-5-body-md">" The three letters Strike terror in banking sector and business circle today ". NPA is short form of " Non Performing Asset ". The economic future of the country is wholly dependent on banking sector. The problem of NPA show signs of "persistent bane of hitherto developmental policies". "New stratagem is required to attempt effacing of the NPA menace". The significance of the paper is expected to be an immense use to fulfill consumer needs and facing competition with other banks. This study provides the information related to solve NPA problem. The study uses the annual reports of SBI for the period of year 2007-2008 to 2013-2014. The motive of present study is to assess the non performing assets of SBI and its impact on profitability & to see the relationship between Total Advances, Net Profits, NET & GROSS NPA. The study also includes advances and NPA of SBI groups by Priority & Non Priority sectors. The study has been analyzed by using tables and coefficient of correlation. The major reason of increased NPA is banks focal point on quantitative aspect of achieving targets and less attention being paid towards qualitative aspect of loan and credit disbursement of money & mismanagement of funds. INTRODUCTION NPA is short form of " Non Performing Asset ". We know the built up of NPA has been the major factor in destroying the profitability of the Public sector Banks in India, the Narasimham Committee (II) underscored the need to reduce the average level of NPAs of all banks and recommended prudential norms on income recognition, asset classification & provisioning. The dreaded NPA rule says simply this: when interest or other due to a bank remains unpaid for more than 90 days, the entire bank loan automatically turns a non performing asset [1]. The recovery of loan has always been problem for banks and financial institution [1]. To come out of these first we need to think is it possible to avoid NPA, no cannot be then left is to look after the factor responsible for it and managing those factors [3]. With a view to moving towards international best practices and to ensure greater transparency, it has been decided to adopt the " 90 days' overdue' norm for identification of NPAs, from the year ending March 31, 2004 [3].</p><div class="ds-work-card--button-container"><div class="primary-buttons "><button class="ds2-5-button js-swp-download-button" data-signup-modal="{"location":"continue-reading-button--work-card","attachmentId":47559545,"attachmentType":"pdf","workUrl":"https://www.academia.edu/27301337/A_STUDY_ON_NON_PERFORMING_ASSETS_OF_STATE_BANK_OF_INDIA"}"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">description</span>See full PDF</button><button class="ds2-5-button ds2-5-button--secondary js-swp-download-button" data-signup-modal="{"location":"download-pdf-button--work-card","attachmentId":47559545,"attachmentType":"pdf","workUrl":"https://www.academia.edu/27301337/A_STUDY_ON_NON_PERFORMING_ASSETS_OF_STATE_BANK_OF_INDIA"}"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span>Download PDF</button></div></div><div class="ds-signup-banner-trigger-container"><div class="ds-signup-banner-trigger ds-signup-banner-trigger-control"></div></div><div class="ds-signup-banner ds-signup-banner-control"><div id="ds-signup-banner-close-button"><button class="ds2-5-button ds2-5-button--secondary ds2-5-button--inverse"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">close</span></button></div><div class="ds-signup-banner-ctas" data-impression-entity-id="27301337" data-impression-entity-type="2" data-impression-source="signup-banner"><img src="//a.academia-assets.com/images/academia-logo-capital-white.svg" /><h4 class="ds2-5-heading-serif-sm">Sign up for access to the world's latest research</h4><button class="ds2-5-button ds2-5-button--inverse ds2-5-button--full-width js-swp-download-button" data-signup-modal="{"location":"signup-banner"}">Sign up for free<span class="material-symbols-outlined" style="font-size: 20px" translate="no">arrow_forward</span></button></div><div class="ds-signup-banner-divider"></div><div class="ds-signup-banner-reasons"><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Get notified about relevant papers</span></div><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Save papers to use in your research</span></div><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Join the discussion with peers</span></div><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Track your impact</span></div></div></div><script>(() => { // Set up signup banner show/hide behavior: // 1. 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" class="figure-slide-image" src="https://figures.academia-assets.com/47559545/table_001.jpg" /></a><figcaption class="figure-slide-caption ds2-5-body-xs">SBI TOTAL ADVANCES COMPARED WITH NET PROFIT, GROSS NPA & NET NPA Correlation- Correlation is a numerical measure used to determine the degree of relationship between variables. </figcaption></figure><figure class="figure-slide-container"><a href="https://www.academia.edu/figures/2532761/table-2-reason-of-using-correlation-by-using-this-we-can"><img alt="Reason of using Correlation- By using this, we can determine whether there is any relation between write off amount and net NPA of SBI or not. " class="figure-slide-image" src="https://figures.academia-assets.com/47559545/table_002.jpg" /></a><figcaption class="figure-slide-caption ds2-5-body-xs">Reason of using Correlation- By using this, we can determine whether there is any relation between write off amount and net NPA of SBI or not. </figcaption></figure></div><div class="next-slide-container js-next-button-container"><button aria-label="Next" class="carousel-navigation-button js-loswp-figures-next"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">arrow_forward_ios</span></button></div></div></div></div><div class="ds-top-related-works--grid-container"><div class="ds-related-content--container ds-top-related-works--container"><h2 class="ds-related-content--heading">Related papers</h2><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="0" data-entity-id="103315934" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/103315934/A_Study_of_Management_of_Npa_Non_Performing_Assets_In_Private_and_Public_Sector_Banks">A Study of Management of Npa (Non-Performing Assets) In Private and Public Sector Banks</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="68472077" href="https://independent.academia.edu/DRDevendraPuntambekar">DR. Devendra Puntambekar</a></div><p class="ds-related-work--metadata ds2-5-body-xs">RES MILITARY</p><p class="ds-related-work--abstract ds2-5-body-sm">Asset quality is a key indicator of a bank's financial health. It also shows banks' credit risk management and economic recovery. To preserve their economic value, stressed accounts must be quickly identified and given restructuring facilities. (RBI/2012-13/208). Indian banks struggle with NPAs. The NPA growth hurts bank profits. NPAs affect financial performance of banks and the economy. Indian banks have high NPAs because of commerce and industry. An NPA is a loan or advance with a 90-day overdue principal or interest payment. Banks categorise NPAs as Substandard, Doubtful, or Loss. Substandard assets: NPA assets under 12 months. An asset that has been unsatisfactory for 12 months is doubtful. Loss assets, RBI defines them as "uncollectible and of such low value that its survival as a bankable asset is not merited, although there may be some salvage or recovery value. The bank must set aside money for NPA even though they generate no income. NPAs hurt banks and the economy. Many studies have examined NPA management, some of which compare public and private banks. In this paper, the researcher considers the aggregate data of select public and private banks and attempts to compare, analyze and interpret the data. Research is based on secondary as well as primary data. Primary data is collected from 215 respondents about NPA management in their banks. For the processing of primary and secondary data, SPSS software is used.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"A Study of Management of Npa (Non-Performing Assets) In Private and Public Sector Banks","attachmentId":103355734,"attachmentType":"pdf","work_url":"https://www.academia.edu/103315934/A_Study_of_Management_of_Npa_Non_Performing_Assets_In_Private_and_Public_Sector_Banks","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/103315934/A_Study_of_Management_of_Npa_Non_Performing_Assets_In_Private_and_Public_Sector_Banks"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="1" data-entity-id="4594661" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/4594661/PERFORMANCE_OF_NON_PERFORMING_ASSETS_NPAS_IN_INDIAN_COMMERCIAL_BANKS">PERFORMANCE OF NON-PERFORMING ASSETS (NPAS) IN INDIAN COMMERCIAL BANKS</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="5773221" href="https://independent.academia.edu/ketanmehta2">ketan mehta</a></div><p class="ds-related-work--abstract ds2-5-body-sm">In India Non-performing assets are one of the major concerns for banks.NPA is the best indicator for the health of the banking industry. NPAs reflect the performances of banks. .NPAs are the primary indicators of credit risk. NPAs are an inevitable burden on the banking industry. Hence the success of a bank depends upon methods of managing NPAs. The Public Sector Banks have shown very good performance over the private sector banks as far as the financial operations are concerned. The Public Sector Banks have also shown comparatively good result. However, the only problem of the Public Sector Banks these days are the increasing level of the non performing assets. The non performing assets of the Public Sector Banks have been increasing regularly year by year. On the contrary, the non performing assets of private sector banks have been decreasing regularly year by year except some years. Generally reduction in NPAs shows that banks have strengthened their credit appraisal processes over the years and increased in NPAs shows the necessity of provisions, which bring down the overall profitability of banks. The Indian banking sector is facing a serious problem of NPA. The magnitude of NPA is comparatively higher in public sectors banks than private sector banks. To improve the efficiency and profitability of banks the NPA need to be reduced and controlled.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"PERFORMANCE OF NON-PERFORMING ASSETS (NPAS) IN INDIAN COMMERCIAL BANKS","attachmentId":31960564,"attachmentType":"pdf","work_url":"https://www.academia.edu/4594661/PERFORMANCE_OF_NON_PERFORMING_ASSETS_NPAS_IN_INDIAN_COMMERCIAL_BANKS","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/4594661/PERFORMANCE_OF_NON_PERFORMING_ASSETS_NPAS_IN_INDIAN_COMMERCIAL_BANKS"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="2" data-entity-id="118509701" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/118509701/Empirical_Data_Analysis_of_Non_Performing_Assets_NPAs_and_Its_Determinants_A_Study_of_Indian_Public_Sector_Banks">Empirical Data Analysis of Non- Performing Assets (NPAs) and Its Determinants: A Study of Indian Public Sector Banks</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="225372514" href="https://independent.academia.edu/ShivYadav121">Shiv Yadav</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Trend in Scientific Research and Development, 2021</p><p class="ds-related-work--abstract ds2-5-body-sm">There has been increased concern about the continued deterioration in the asset quality of Indian public sector bank in recent times. Reserve Bank of India, s Financial stability Report 2017 acknowledged that the risks to the Indian banking sector have been increased in the past recession period particularly, the risk of accumulating non-performing assets (NPAs). NPA or Non Performing Asset is those kinds of loans or advances that are in default or in arrears. In other words, these are those kind of loans where in principal or inters amounts are safe or have not been paid. These are also the kinds of loans where the tender consider the loan agreement to be broken and the receiver of the loan is unable to pay back the loan amount. In simpler terms, if the customers do not reply principal amount and considered as Non performing Assets or NPA, To put it in other words, Non performing Assets are basically Non performing Loan. In our country, the timeline given for classifying the asset as NPA is 180 days. As against 45 to 90 days of international norms.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Empirical Data Analysis of Non- Performing Assets (NPAs) and Its Determinants: A Study of Indian Public Sector Banks","attachmentId":114118420,"attachmentType":"pdf","work_url":"https://www.academia.edu/118509701/Empirical_Data_Analysis_of_Non_Performing_Assets_NPAs_and_Its_Determinants_A_Study_of_Indian_Public_Sector_Banks","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/118509701/Empirical_Data_Analysis_of_Non_Performing_Assets_NPAs_and_Its_Determinants_A_Study_of_Indian_Public_Sector_Banks"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="3" data-entity-id="117299862" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/117299862/_Management_of_Non_Performing_Assets_NPA_A_Study_of_Indian_Commercial_Banks_">"Management of Non-Performing Assets (NPA): A Study of Indian Commercial Banks"</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="79951849" href="https://mnnit.academia.edu/DrAamirSyed">Dr. Aamir Syed</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Samdarshi</p><p class="ds-related-work--abstract ds2-5-body-sm">The banking sector in India currently has non-performing assets (NPAs) that are both much lower than those of several economies and equivalent to those of numerous advanced economies. The RBI lists the decline in nonperforming assets (NPAs) as one of the main accomplishments of the banking industry of India in the past year. However, the growing number of NPAs continues to be a major issue for the Indian banking industry. In general, Indian commercial banks have a propensity to understate their non-performing assets (NPA) ratios. One approach is to "ever-green" advancements by using subtle methods. The NPAs have negatively impacted banks' earnings potential and profitability. One of India's largest economic challenges is reducing non-performing assets (NPAs) in banks. This study aims to provide a basic diagnosis of the way commercial banks in India manage their nonperforming assets (NPAs). Eventually, it has pinpointed a few of the gaps regarding the significant amount of bank non-performing assets (NPAs) and suggested tactics to address the unchecked outbreak of commercial bank viruses. The single biggest source of concern for the Indian banking industry in recent years has been non-performing assets (NPAs). According to the Narsimham Committee (I), priority sector lending contributed to the accumulation of bank non-performing assets (NPAs) and was the primary cause of the commercial banking industry's deteriorating profitability and losses in India. The main roles of banks can be categorized as taking deposits from the general public and lending the mobilized deposits to deserving borrowers because banks are typically the custodians and distributors of money in the nation. This makes the banker the custodian of the public's excess funds. The banking industry plays a crucial role in driving economic growth and development and guiding the economy out of the underdevelopment trap and onto the path of development. In light of this, the banking industry is seen as a crucial provider of financial services, facilitating the creation of development plans by directing capital toward useful endeavors. The goal of this study is to examine how each bank contributes to the industry's nonperforming assets (NPA) by examining its growth pattern.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"\"Management of Non-Performing Assets (NPA): A Study of Indian Commercial Banks\"","attachmentId":113192810,"attachmentType":"pdf","work_url":"https://www.academia.edu/117299862/_Management_of_Non_Performing_Assets_NPA_A_Study_of_Indian_Commercial_Banks_","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/117299862/_Management_of_Non_Performing_Assets_NPA_A_Study_of_Indian_Commercial_Banks_"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="4" data-entity-id="102587397" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/102587397/Comparative_Study_of_Non_Performing_Assets_NPAs_in_Selected_Public_and_Private_Sector_Banks_in_India">Comparative Study of Non-Performing Assets (NPAs) in Selected Public and Private Sector Banks in India</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="108750890" href="https://independent.academia.edu/SahinShagufta">Shagufta Sahin</a></div><p class="ds-related-work--metadata ds2-5-body-xs">The Dawn Journal, 2022</p><p class="ds-related-work--abstract ds2-5-body-sm">The banking industry is an important pillar of the financial sector which plays a vital role in the economy of our country. It becomes essential to measure and maintain the quality of the asset for the development of the bank. The quality of the asset in banks mainly the Public Sector Banks is continuously deteriorating as a result of which there is high level of stress in the banking sector, regulators and Indian economy. The present study is aimed at understanding the level of Non-Performing Assets (NPA) and its impact on profitability of the banks. For this purpose, the study considered Gross and Net NPA of 5 Public and Private Sector Banks from 2017-2021. The study reveals that there is a continuous increase in Gross and Net NPA in both Public and Private sector banks. The study shows that there is a positive relationship between the Gross and Net NPA and a negative relationship between the NPA and ROA of Public and Private Banks. There is a significant negative impact of Gross NPA on ROA whereas a positive impact of Net NPA on ROA of both Public and Private sector banks. The study recommends that the bank should improve their credit, repayment structure and follow all the credit policy of the government and take quick actions against NPA.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Comparative Study of Non-Performing Assets (NPAs) in Selected Public and Private Sector Banks in India","attachmentId":102818647,"attachmentType":"pdf","work_url":"https://www.academia.edu/102587397/Comparative_Study_of_Non_Performing_Assets_NPAs_in_Selected_Public_and_Private_Sector_Banks_in_India","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/102587397/Comparative_Study_of_Non_Performing_Assets_NPAs_in_Selected_Public_and_Private_Sector_Banks_in_India"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="5" data-entity-id="71322225" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/71322225/Non_Performing_Assets_NPA_A_Review_of_NPA_Mechanism_and_its_emerging_Menace_in_Indian_Public_Sector_banks">Non Performing Assets (NPA): A Review of (NPA) Mechanism and its emerging Menace in Indian Public Sector banks</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="138789096" href="https://muscatcollege.academia.edu/AbilashMani">Abilash Mani</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Conference, 2021</p><p class="ds-related-work--abstract ds2-5-body-sm">Banking sector performance can be measured easily by assessing the existence of bad loans such as if any asset could unable to provide returns for a specific period of time is known as Non-Performing Asset (NPA). Nowadays, most of the banks are facing with issues like bad loans and increasing frauds in large scale which results into critical imbroglio in public sector banks. After second Covid-19 wave across sectors, repayment capacity of borrowers was arising big spike and reporting sharp surges in stressed assets. This study aims at identify reasons on occurring non-performing assets in Indian public sector banks and to find out existing monitoring systems and credit appraisals to control its occurrence, additionally to examine the level of covid-19 impact on NPA, and how it manipulated with appropriate measures adopted by Reserve bank of India. This research covers the period of 2019 to 2021 by collecting data and information from various secondary sources such as journals, articles, annual publication report from Reserve bank of India and another available index. However, some relief measures were provided to borrowers like moratorium on loan repayment, standstill on asset classification, and liquidity extended to borrowers under emergency credit line will enable to repay. Banks have raised equity through various modes resulted in capital adequacy ratio of scheduled commercial banks increasing from 14.7% to 16 % during March 2021. Periodically banks should assess its credit performance, asset quality and capital adequacy ratio will accelerate the efficiency of banking operations and reduce the occurrence of critical risks.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Non Performing Assets (NPA): A Review of (NPA) Mechanism and its emerging Menace in Indian Public Sector banks","attachmentId":80715405,"attachmentType":"pdf","work_url":"https://www.academia.edu/71322225/Non_Performing_Assets_NPA_A_Review_of_NPA_Mechanism_and_its_emerging_Menace_in_Indian_Public_Sector_banks","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/71322225/Non_Performing_Assets_NPA_A_Review_of_NPA_Mechanism_and_its_emerging_Menace_in_Indian_Public_Sector_banks"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="6" data-entity-id="34518717" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/34518717/IJSR_INTERNATIONAL_JOURNAL_OF_SCIENTIFIC_RESEARCH_A_Study_of_Non_Performing_Assets_Npas_of_Public_Sector_Banks_in_India_an_Intersectoral_Comparison_">IJSR -INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH " A Study of Non Performing Assets (Npa's) of Public Sector Banks in India-an Intersectoral Comparison "</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="68054464" href="https://independent.academia.edu/siddheshsaraf">siddhesh saraf</a></div><p class="ds-related-work--abstract ds2-5-body-sm">Indian banking industry plays a crucial role in the socio economic development of the country. This role is performed by banks by extending credit to several deficit sectors for their expansion and development. This process of credit creation leads to credit risk which in turn leads Non-Performing Assets (NPA's).While the prime function of banks is to lend funds to various sectors such as agriculture, industry, personal loans, etc., but in recent times the banks have become very vigilant in extending loans. With the introduction of income recognition, asset classification and provisioning norms in the banking sector, managing NPAs has emerged as one of the major challenges facing public sector banks in India. In today's competitive scenario banks are judged not only on the basis of number of branches and volume of deposits but also on quality of assets. Non-performing assets form a major part of Banks portfolio and hence are an inexorable burden on the banking industry. The objective of this research is to study trends and position of NPAs of public sector banks across different sectors i.e. priority and non priority sectors, to identify and study the reasons for occurrence of NPAs, to examine the steps taken for recovery of NPAs and to suggest measures for efficient management of NPA's.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"IJSR -INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH \" A Study of Non Performing Assets (Npa's) of Public Sector Banks in India-an Intersectoral Comparison \"","attachmentId":54383942,"attachmentType":"pdf","work_url":"https://www.academia.edu/34518717/IJSR_INTERNATIONAL_JOURNAL_OF_SCIENTIFIC_RESEARCH_A_Study_of_Non_Performing_Assets_Npas_of_Public_Sector_Banks_in_India_an_Intersectoral_Comparison_","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/34518717/IJSR_INTERNATIONAL_JOURNAL_OF_SCIENTIFIC_RESEARCH_A_Study_of_Non_Performing_Assets_Npas_of_Public_Sector_Banks_in_India_an_Intersectoral_Comparison_"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="7" data-entity-id="43932855" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/43932855/EVALUATION_OF_VARIOUS_TECHNIQUES_USED_BY_THE_PUBLIC_SECTOR_BANKS_FOR_THE_MANAGEMENT_OF_NON_PERFORMING_ASSETS_NPAs_">EVALUATION OF VARIOUS TECHNIQUES USED BY THE PUBLIC SECTOR BANKS FOR THE MANAGEMENT OF NON PERFORMING ASSETS ( NPAs)</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="7090906" href="https://independent.academia.edu/ResearchPapers">Research Papers</a></div><p class="ds-related-work--abstract ds2-5-body-sm">The banks and financial institutions in India have made significant contributions to almost all the sectors of the Indian economy such as agriculture, industries of all categories and sizes, trade, employment and infrastructure. The ever-increasing trends in deposits and credits speak the volumes for the performance of Indian banks. However, the NPAs in the credit portfolios of the banks and financial institutions have become thorn in the flesh during the last one decade or so. NPAs have not only affected the profitability and productivity of the banks and financial institutions, but also put a stigma on the image of Indian banking and a drain on the very value system of the society. According to an estimate the NPAs have risen to an alarming level of more than Rs. 1, 00,000 crore in year 2000. The Reserve Bank of India and the Government of India took number of measures from time to time like One Time Settlement Scheme (OTS), Debt Recovery Tribunals (DRTs), Lok Adalats, etc. to stem the rot, but fell short of the desired results and high expectations of the concerned people in particular and society in general.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"EVALUATION OF VARIOUS TECHNIQUES USED BY THE PUBLIC SECTOR BANKS FOR THE MANAGEMENT OF NON PERFORMING ASSETS ( NPAs)","attachmentId":64257103,"attachmentType":"pdf","work_url":"https://www.academia.edu/43932855/EVALUATION_OF_VARIOUS_TECHNIQUES_USED_BY_THE_PUBLIC_SECTOR_BANKS_FOR_THE_MANAGEMENT_OF_NON_PERFORMING_ASSETS_NPAs_","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/43932855/EVALUATION_OF_VARIOUS_TECHNIQUES_USED_BY_THE_PUBLIC_SECTOR_BANKS_FOR_THE_MANAGEMENT_OF_NON_PERFORMING_ASSETS_NPAs_"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="8" data-entity-id="39728037" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/39728037/Classification_and_Management_of_NPA_in_Commercial_Banks_with_reference_to_SBI_A_Case_study_of_Odisha_INTRODUCTION">Classification and Management of NPA in Commercial Banks with reference to SBI-A Case study of Odisha INTRODUCTION</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="33244804" href="https://independent.academia.edu/ManojSahoo4">Dr. Manoj Kumar Sahoo</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Scientific Research and Reviews, 2019</p><p class="ds-related-work--abstract ds2-5-body-sm">Non-performing assets is one of the main concerns for Commercial banks in India as the three letters Strike terror in banking sector and business circle today. NPA reflects the performance of the commercial banks. A rising NPA level implies a greater percentage of credit defaults that affect the profitability and capital adequacy of banks and at the same time reduce the value of assets. This study analyzes the NPA levels of State Bank of India in Odisha province, India. In addition, this study addresses the classification of NPA-like standard assets, substandard assets, doubtful assets and loss assets, which are very important for this analysis. The current research has been analyzed with the help of various statistical tools such as correlation, regression and Anova taking the twelve-year data of the State Bank of India in Odisha. Finally, some suggestions have been made to reduce the level of NPA for the bank.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Classification and Management of NPA in Commercial Banks with reference to SBI-A Case study of Odisha INTRODUCTION","attachmentId":59905229,"attachmentType":"pdf","work_url":"https://www.academia.edu/39728037/Classification_and_Management_of_NPA_in_Commercial_Banks_with_reference_to_SBI_A_Case_study_of_Odisha_INTRODUCTION","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/39728037/Classification_and_Management_of_NPA_in_Commercial_Banks_with_reference_to_SBI_A_Case_study_of_Odisha_INTRODUCTION"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="9" data-entity-id="34238452" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/34238452/An_Empirical_Analysis_of_Non_performing_Assets_NPA_in_North_Indias_Banks">An Empirical Analysis of Non-performing Assets (NPA) in North India's Banks</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="2380523" href="https://geu.academia.edu/DrVinayKandpal">Dr Vinay Kandpal</a></div><p class="ds-related-work--abstract ds2-5-body-sm">The paper analyzes the NPA in public and private sector banks in the northern states of India. It attempts to identify and analyze the reasons for NPA, hindrances in its effective monitoring and suggest remedial measures. The branches of banks selected for the study have a high proportion of NPA and are the top banks in this region. The judgement sampling method was used to collect data from the middle-level managers who have an understanding of the subject and its impact. The research considered a set of 50 variables and used the necessary measures to analyze them. The statistical tool called SPSS was used to run a factor analysis test. The study found that some of the factors that have an effect on NPA are the type of loan, credit-worthy borrowers, the availability of acceptable collateral, lack of supervision and follow-up, deficiency of the credit appraisal standard, death of a key person and business failure/lack of entrepreneurial knowledge on the borrower's part.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"An Empirical Analysis of Non-performing Assets (NPA) in North India's Banks","attachmentId":54152560,"attachmentType":"pdf","work_url":"https://www.academia.edu/34238452/An_Empirical_Analysis_of_Non_performing_Assets_NPA_in_North_Indias_Banks","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/34238452/An_Empirical_Analysis_of_Non_performing_Assets_NPA_in_North_Indias_Banks"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div></div></div><div class="ds-sticky-ctas--wrapper js-loswp-sticky-ctas hidden"><div class="ds-sticky-ctas--grid-container"><div class="ds-sticky-ctas--container"><button class="ds2-5-button js-swp-download-button" data-signup-modal="{"location":"continue-reading-button--sticky-ctas","attachmentId":47559545,"attachmentType":"pdf","workUrl":null}">See full PDF</button><button class="ds2-5-button ds2-5-button--secondary js-swp-download-button" data-signup-modal="{"location":"download-pdf-button--sticky-ctas","attachmentId":47559545,"attachmentType":"pdf","workUrl":null}"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span>Download PDF</button></div></div></div><div class="ds-below-fold--grid-container"><div class="ds-work--container js-loswp-embedded-document"><div class="attachment_preview" data-attachment="Attachment_47559545" style="display: none"><div class="js-scribd-document-container"><div class="scribd--document-loading js-scribd-document-loader" style="display: block;"><img alt="Loading..." src="//a.academia-assets.com/images/loaders/paper-load.gif" /><p>Loading Preview</p></div></div><div style="text-align: center;"><div class="scribd--no-preview-alert js-preview-unavailable"><p>Sorry, preview is currently unavailable. You can download the paper by clicking the button above.</p></div></div></div></div><div class="ds-sidebar--container js-work-sidebar"><div class="ds-related-content--container"><h2 class="ds-related-content--heading">Related papers</h2><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="0" data-entity-id="34716664" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/34716664/A_Study_on_the_Composition_of_Non_Performing_Assets_NPAs_of_Scheduled_Commercial_Banks_in_India">A Study on the Composition of Non-Performing Assets (NPAs) of Scheduled Commercial Banks in India</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="14843809" href="https://nitc.academia.edu/MutualFriend">Academician Researcher</a></div><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"A Study on the Composition of Non-Performing Assets (NPAs) of Scheduled Commercial Banks in India","attachmentId":54573404,"attachmentType":"pdf","work_url":"https://www.academia.edu/34716664/A_Study_on_the_Composition_of_Non_Performing_Assets_NPAs_of_Scheduled_Commercial_Banks_in_India","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/34716664/A_Study_on_the_Composition_of_Non_Performing_Assets_NPAs_of_Scheduled_Commercial_Banks_in_India"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" 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