NON-PERFORMING ASSETS: ANALYZING INDIAN BANKS

Abstract

Indian banking system is a robust one, however, it is also affected by financial rust called NPA. NPAs are like retarding force for banks as they eat majority of profitability before 1992, Banks did no longer divulge the horrific debts sustained through them and provision made by using them fearing that it may additionally have an adverse.

The introduction of prudential norms fortify the Banks monetary function and decorate transparency is regarded as a milestone measure in the financial sector reform.

An Explorative learn about was once adopted to achieve the objectives of the study, and they learn about used to be carried out in SBI Bank, “Non-Performing Assets”. The objective of the study is to analyze the NPA stage, how some distance the financial organization has been successful in decreasing the NPA level.

This paper is an attempt to compare the non- performing assets of SBI and HDFC Bank using the secondary data analysis and to comment on their individual performances too. This study also identifies the cause of the increasing non-performing assets in the Banks with few suggestions have also been extended.