A Comparative Analysis of Growing NPAs between Public Sector Banks and Private Sector Banks
Keywords:
Non-performing Assets (NPAs), Performance, RBI, Banking system, Growth rateAbstract
The growth of the economy depends upon the efficiency and stability of the banking sector. A healthy banking system is essential for any economy striving to achieve growth and remain stable in competitive global business environment. Multiple macroeconomic, demographic and technological developments make the Indian banking sector one of the most attractive opportunities globally. Challenges like high- stressed asset levels and fragmented industry structure are dragging down the performance & threatening future growth. The best indicator for the health of the banking industry in the country is its level of Non- Performing Assets (NPAs). Non-performing assets have direct impact on the financial performance of banks i.e. their profitability. Non-performing assets (NPAs) have been a significant concern for the Indian banking sector in recent years. This paper deals with understanding the concept of NPAs, its magnitude and major causes for an account becoming non-performing and strategies for managing NPA in Indian Banking system.
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References
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