Volume : II, Issue : II, November - 2012

Non–Performing Assets (A Study With Reference To Public Sector Banks)

Dr. T. R. Gurumoorthy, B. Sudha

Abstract :

In the liberalized economy, Banking and Financial sector get high priority. The banks in India are facing the problem of Non–Performing Assets (NPAs). The earning capacity and profitability of the banks are highly affected because of the existence of NPAs. Moreover the non–performance or non–receipt of interest and principal blocked banks money in the form of funds and is not available for further use of banking business and thus the profit margin of the banks goes down. In this connection bank must aware of the problems and recovery legislations of NPAs. Compared to Private Sector Banks and Foreign banks, Public Sector Banks (PSBs) are highly affected by this three letter virus NPA, because whose objectives have been more social than economic. This paper analyzes the classification of loan assets in PSBs, composition of NPAs in different sectors and NPAs position in PSBs. In this study, it is observed that PSBs exercised stringent control measures to reduce the level of NPAs.  

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Article: Download PDF   DOI : 10.36106/ijar  

Cite This Article:

Dr.T.R.Gurumoorthy, B.Sudha Non-Performing Assets (A Study With Reference To Public Sector Banks) Indian Journal of Applied Research, Vol.II, Issue.II November 2012

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