Vol. 1, Issue 13, Part A (2015)

Abstract
Commercial Banks are playing a very important role in the financial system and payment systems. Banks are 'special' as financial intermediaries critical for mobilizing public saving and for deploying them to provide safety and return to savers. The introduction of economic reforms gives greater flexibility and autonomy to banks in increasing their profitability, productivity and efficiency. There is large contribution made by the Public Sector Banks (PSB's) in Indian economy, such as agriculture, various industries, trade and employment and infrastructure. Borrowers are not bounded to repay what he took away from the Bank loan. So, the NPA increased in the alarming level due to the willful defaulting on the part of the borrowers. NPAs have not only affected the efficiency and the profitability of the Banks, but also the overall performance e of the banks. The asset quality is a main parameter to assess the performance and overall functioning of banks. The reduction in asset quality results increased the level of standard Assets. Mounting NPAs is a major problem in a public sector bank with comparative to private sector banks. In this present research paper an attempt made to analyze the trends in asset classifications and trends in NPAs of SCBs Recovered through SARFAESI Act 2002. Statistical techniques like arithmetic mean, standard deviation and T-test have been employed for the analyses of data.