A COMPARATIVE EXAMINATION OF NON-PERFORMING ASSET MANAGEMENT OF BANKS IN INDIA

Authors

  • Esha Jain School of Management & Liberal Studies, The NorthCap University, Gurugram, Haryana, India
  • Jonika Lamba School of Management & Liberal Studies, The NorthCap University, Gurugram, Haryana, India
  • Nitika Soni School of Management & Liberal Studies, The NorthCap University, Gurugram, Haryana, India

Abstract

The Indian economy is facing a financial crunch due to a surge in the number of credit defaulters. The debt crisis has been observed throughout the world. NPAs are found to be at the center of the economic problem of the banks. The drive of this learning is to explore the influence of non-performing assets (NPA) on the financial performance of the banks and to analyze gross and net non-performing assets in public, private and foreign banks and assess the soundness, assets quality, stability, and competence of banks. It was found that there is positive relation in all over banking industry between Total income and Gross Non-Performing Asset whereas negative relation in case of total profit and gross NPA. This means that with an increase in total income there is an increase in Non-Performing Asset on the contrary there will be a decrease in profit with an increase of Non-Performing Assets. But if we categorized them into private, public, and foreign they all have different natures.

Keywords:

Non-Performing Asset (NPAs), Banks, Regression, Capital Adequacy Ratios

Downloads

Download data is not yet available.

References

Adey, R., Goyal, D. Y., Siddiqui, M. N., & Dhruw, L. (2020). Comparative Analysis of Non-Performing Assets amongst Various Banking Sector of India. IOSR Journal of Economics and Finance, 11(3), 38-43.

Agarwala, V., & Agarwala, N. (2019). A Critical Review of Non-Performing Assets in the Indian Banking Industry. Rajagiri Management Journal, 13(2), 12-23.

Ali, A., Singh, D., & Ali, S. (2020). A Systematic Analysis of Commercial Banks in India – A Study of Non-Performing Assets (NPA). International Journal of Management, 11(9), 699-710.

Arasu, B. S., Sridevi, P., Nageswari, P., & Ramya, R. (2019). A Study on Analysis of Non-Performing Assets and Its Impact on Profitability. International Journal of Scientific Research in Multidisciplinary Studies, 5(6), 1–10.

Bansal, R., Kashyap, S. K., Marreddy, H. K. R., & Addae, J. A. (2021a). Non-Performing Assets and Profitability of Indian Banks: A Review. European Journal of Molecular & Clinical Medicine, 7(8), 4152-4157.

Bansal, Y., Kumar, V., & Purohit, H. (2021b). Impact of Non-Performing Assets (NPA): A Comparative Analysis of State Bank of India vs. Bank of Baroda. International Journal of Management (IJM), 12(1), 544-552.

Bepari, R., & Sarkar, S. C. (2020). Impact of Non-Performing Assets on Profitability Performance of Selected Public Sector Banks and Private Sector Banks in India: A Comparative Study. International Journal of Multidisciplinary Educational Research, 9(5), 46-52.

Biswas, B. (2017). Impact of NPA on Profitability and Earnings: A Study on Some Select Private Commercial Banks in India. Sankalpa, 7(2), 12-17.

Debbarma, S. (2021). A Study on Analyzing the Non-Performing Asset (NPA) Level in Tripura Gramin Bank. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(11), 3126-3135.

Hersugondo, H., Anjani, N., & Pamungkas, I. D. (2021). The Role of Non-Performing Asset, Capital, Adequacy, and Insolvency Risk on Bank Performance: A Case Study in Indonesia. The Journal of Asian Finance, Economics, and Business, 8(3), 319-329.

Jain, E. (2014). Technical Analysis of Oriental Bank of Commerce. SAARJ Journal on Banking & Insurance Research, 3(2), 76-90.

Kaur., & Singh. (2011). Non-Performing Assets of Public and Private Sector Banks (A Comparative Study). South Asian Journal of Marketing & Management Research, 1(3), 54-72.

Miyan, M. (2017). A Comparative Statistical Approach towards NPA of PSU and Private Sector Banks in India. International Journal of Advanced Research in Computer Science, 8(1), 46-52.

Pundir, A. (2021). A Systematic Review on Non-Performing Assets in Banks in India. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(2), 177-184.

Raghavendra, S. (2018). Non-Performing Assets in Commercial Banks in India: An Analysis. International Journal of Research in Humanities, Arts and Literature (IJRHAL), 6(4), 377-38.

Shah, R., & Hasan, H. A. (2021). To study the non-performing assets of selected banks of India. International Educational Applied Scientific Research Journal, 6(3), 180-191.

Siddique, A., Masood, O., Javaria, K., & Huy, D. T. N. (2020). A Comparative Study of the Performance of Commercial Banks in ASIAN Developing and Developed Countries. Insights into Regional Development, Entrepreneurship and Sustainability Center, 2(2), 580-591.

Singh, V. R. (2016). A Study of Non-Performing Assets of Commercial Banks and Its Recovery in India. Annual Research Journal of SCMS, Pune, 4(March), 110-125.

Sushmitha, G., & Nagaraja, N. (2020). Non-Performing Assets Management in the Co-Operative Banks in India: A Descriptive Analysis. International Journal of Banking, Risk, and Insurance, 8(1), 80-89.

Downloads

Published

2021-07-01

How to Cite

Esha Jain, Jonika Lamba, & Nitika Soni. (2021). A COMPARATIVE EXAMINATION OF NON-PERFORMING ASSET MANAGEMENT OF BANKS IN INDIA. International Journal on Recent Trends in Business and Tourism (IJRTBT), 5(3), 20-32. Retrieved from https://ejournal.lucp.net/index.php/ijrtbt/article/view/1417