ISSN (online) : 2395 - 7549

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A Study of Non-Performing Assets and its Impact on Banking Sector


Dr. Ujjwal M. Mishra , Sinhgad College of Engg. Dept. of Management Studies; Mr. Jayant Pawaskar, Sinhgad College of Engg. Dept. of Management Studies


NPA, Banking Sector


Banks plays an important role in the economic development of a country. Banks are growth-driver and the banking business is exposed to various risk, such as credit risk, liquidity risk, interest risk, market risk, operational risk and management risk. Apart from these risks the very important risk is loan recovery. The sound financial position of a bank depends upon the recovery of loans or its level of Non-performing assets (NPAs). Reduced NPAs generally gives the impression that banks have strengthened their credit appraisal processes over the years and growth in NPAs involves the necessity of provisions, which bring down the overall profitability of banks. The Indian banking sector is facing a serious problem of NPA. The magnitude of NPA is comparatively higher in public sectors banks. To improve the efficiency and profitability of banks the NPA need to be reduced and controlled.

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Manuscript Id :J4RV3I1007
Published in :Volume : 3, Issue : 1
Publication Date: 01/04/2017
Page(s): 1-5
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2395 - 7549



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