The banking sector involves three noteworthy portions: Scheduled Commercial banks, State Cooperative banks, and different banks like NABARD. The booked business banks incorporate every single significant bank and record for over 98% of the considerable number of assets in the banking sector. The Indian banking industry, which is a noteworthy channel of financing the gainful sector, was to a great extent in the private sector until 1969 when all the real Indian banks in private sector were nationalized. Another arrangement of banks was nationalized in 1980s. A few private sector banks and some remote banks operated, however on a generally little scale. By 1991, most banking assets were in broad daylight sector. Confronting major financial crisis, India began changing its economy in 1991, lessening or taking out controls on numerous sectors, and enabling private sector to take an interest where it was before either denied or limited. Financial sector, including banking sector was likewise changed. The administration additionally chose to streamline the capital market, which 2 was up to this point consumed by one noteworthy stock trade. A noteworthy new stock trade and new administrative body were built up.
Managing NPAs should be pro-active function than a reactive response. As management of Non-performing assets has direct bearing on the bottom lines of banks, it needs highly focused and professional approachThe main objectives of the study are to analyse the impact of NPAs of Scheduled Commercial Banks, Public Sector Banks and Foreign Banks in India. The data for the present study are collected from secondary sources. Twelve years of Gross NPAs, Net NPAs, Gross NPAs as Percentage of Gross Advances, Net NPAs as Percentage of Net Advances, Gross NPAs as Percentage of Total Assets, Net NPAs as Percentage of Total Assets data from 2002-03 to 2013-14 of Foreign Banks in India been collected from the official websites of Reserve Bank of India (rbi.org.in) and various other reports like magazines, journals, published books. The data collected for the study has been analysed logically and meaningfully to arrive at meaningful conclusions. The statistical tools applied for data analysis is descriptive statistics are used.To sum up, Compound Annual growth rate of Gross NPAs and Net NPAs of all banks under study are not less than 15.33% during the study period. They have maintained consistency in their growth since their coefficient of variation is less than one. Hence, NPAs should be curbed on war-footing otherwise, it will have disastrous effect on its survival and sustenance.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.