Abstract
The Non-Performing Assets (NPAs) are considered as one of the important parameters for anlysing the health of the Indian Banks. The Authors have taken a look at the Literature Reviews related to the non-performing assets related studies looked into by other Research Scholars. The authors in this research study has made an attempt to study the secondary data related to Gross and Net Non-Performing Assets or Loans of select Banks in India, which is available in the public domain of the regulators of Indian Banks i.e. Reserve Bank of India (RBI) from April 2007 to March 2018 and has performed the ABC analysis as per cumulative (decreasing method) to study the performance and the management and governance of those Banks. Finally, the authors conclude that some of the select Indian Banks taken for study appear in the various Groups formulated for study i.e. Group A (Poor Performance), Group B (Satisfactory Performance) and Group C (Good Performance) are thus a matter of great concern to the economy of the country.
Highlights
The entire world has accepted that the country is galloping towards being the third largest economy of the world in the near future and the financial and banking system or sector in India is required to play an important role to shape up its economy
The authors concluded that the banks should focus on recovery of existing loans and be more circumspect in their credit appraisal, rescheduling of large corporate loans as rising interest cost and falling sales revenue may result in widespread defaults of corporate loans, phasing out of priority sector loans to 10% of the total loans so as to reduce the burden of Non-Performing Assets (NPAs) in priority sector, making priority sector loans need-based rather than target based which results in poor credit appraisal and loan default
The Banks have been defrauded by large borrowers which have brought more strain on its assets
Summary
The entire world has accepted that the country is galloping towards being the third largest economy of the world in the near future and the financial and banking system or sector in India is required to play an important role to shape up its economy. The main business of the banking system is to cater to the financial needs of the business and individuals, but it has been vested with the responsibility to support other activities like the Insurance and supporting various schemes announced by the government from time to time. To arrive at the strength of the banking system in India the Non-Performing Assets (NPAs) are considered as one of the important parameter for analysis. A sound banking and financial system is needs
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