A ANALYSIS OF NON- PERFORMING ASSETS AND ITS IMPACT ON PROFITABILITY IN SELECTED PUBLIC AND PRIVATE SECTOR BANKS

Registration ID: IJNRD_183985

Published ID: IJNRD2211215

DOI: Click Here to Get

Ms. S.Vidhya , Dr.K. Vijaya Venkateswari

Asset Quality, Banking Industry, Gross NPA, Net NPA, Non-Performing Assets, Return on Assets

The banking industry plays a critical role in the Indian economy. Measuring and maintaining the asset quality of banks is important for the development of the banking sector. Nowadays, the asset quality in banks, especially the Public Sector Banks is constantly deteriorating and thus causing intolerable stress to the banking sector, regulators, and Indian economy. The objective of the present study is to understand the level of Non-performing Assets (NPA), and how it influences the profitability of the banks. For this purpose, the study considered Gross and Net NPA of 10 Public & Private sector banks from April 2014 to March 2018. The study identified that both the public and private sector banks gradually increase their Gross & Net NPA during the period. The study found that there is a significant positive relationship between Gross NPA and Net NPA of public and private sector banks. The study also found a significant negative relationship between NPA with Return on Assets (ROA) of public & private sector banks. The impact of ownership (public and private sector banks) significantly influences the Gross and Net NPA. The Gross NPA has a significant negative influence on ROA whereas, Net NPA has a positive influence on ROA of both public and private sector banks. So the study recommends to the regulators and respective bank officials to take the necessary steps to reduce the NPA and improve the recovery mechanism.

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Ms. S.Vidhya & Dr.K. Vijaya Venkateswari (November-2022). A ANALYSIS OF NON- PERFORMING ASSETS AND ITS IMPACT ON PROFITABILITY IN SELECTED PUBLIC AND PRIVATE SECTOR BANKS. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 7(11), c111-c117. https://ijnrd.org/papers/IJNRD2211215.pdf

Volume 7 Issue 11, November-2022

Pages : c111-c117

Paper Reg. ID: IJNRD_183985

Published Paper Id: IJNRD2211215

Downloads: 000121993

Research Area: Engineering

Country: -, -, India

Published Paper PDF: https://ijnrd.org/papers/IJNRD2211215.pdf

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Journal Name: INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT(IJNRD)

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