Contact: +91-9711224068
International Journal of Applied Research
  • Multidisciplinary Journal
  • Printed Journal
  • Indexed Journal
  • Refereed Journal
  • Peer Reviewed Journal

ISSN Print: 2394-7500, ISSN Online: 2394-5869, CODEN: IJARPF

IMPACT FACTOR (RJIF): 8.4

Vol. 9, Issue 3, Part B (2023)

Analysis of gross and net non-performing assets of scheduled commercial banks in India

Analysis of gross and net non-performing assets of scheduled commercial banks in India

Author(s)
Dr. M Dhanalakshmi
Abstract
Banking Sector is the powerhouse of the economy, a strong and growing economy thereby implies that the banking sector must be working well and acting as a catalyst for economic growth. Banks provide credit, which is further invested in profitable projects and the development of the country. But when money moves out of the financial system and cycle of lending-repaying and borrowing gets impacted. Banks have a responsibility to pay back their depositors and other lenders. In the absence of loan repayment, banks are forced to take out new loans in order to pay back depositors and creditors. This results in a situation where banks are hesitant to lend more money to ongoing or new projects. The economy suffers when credit to diverse areas of the economy slows down. Additionally, NPAs force credit risk management to take precedence over other parts of a bank's operation. A bank with a high NPA ratio would be required to pay carrying costs on non-income producing assets. I this paper an attempt is made to analyze bank group wise the gross and net non-performing assets of scheduled commercial banks in India.
Pages: 86-90  |  226 Views  73 Downloads
How to cite this article:
Dr. M Dhanalakshmi. Analysis of gross and net non-performing assets of scheduled commercial banks in India. Int J Appl Res 2023;9(3):86-90.
Call for book chapter
International Journal of Applied Research
Journals List Click Here Research Journals Research Journals