ANALYZING NON-PERFORMING ASSETS: A COMPREHENSIVE STUDY OF THEIR IMPACTS ON PROFITABILITY OF SELECTED BANKS IN INDIA

Abstract

The present study explores the complex domain of non-performing assets (NPAs) in a subset of Indian banks. The selected institutions are focal points for comprehending the complex dynamics around non-performing assets (NPAs), as they are representative of a range of sizes and policies. The research provides a comprehensive overview of the current NPA environment by not only estimating the NPAs but also closely examining their features, sectoral distribution, and emerging trends. The study assesses the complex relationship between non-performing assets (NPAs) and the profitability of the chosen banks concurrently, providing detailed insights into the mutually beneficial nature of these components. This in-depth analysis explores the complex world of non-performing assets (NPAs) in a few Indian banks. The selected institutions, which are representative of various sizes and approaches to operations, act as hubs for comprehending the complex dynamics related to non-performing assets. In addition to calculating the NPAs, the study examines their attributes, sectoral distribution, and written from a variety of angles, the study captures the opinions of several writers, each of whom adds a special perspective on non-performing assets. This diversity adds value to the research, generating insights that go beyond scholarly interest to have real-world ramifications for stakeholders, legislators, and bank executives.The research goes beyond conventional financial measures to navigate the difficulties presented by non-performing assets (NPAs), presenting these assets as dynamic obstacles requiring a comprehensive comprehension. The results are intended to help Indias banking industry become more robust and adaptable so that it can deal with the complexities of non-performing assets (NPAs) with skill and foresight. In the end, this study aims to be a symphony of viewpoints, providing a rich tapestry of insights that might help define a stable and sustainable future for Indias banking sector. KEYWORDS: Non-performing Assets, Indian Banking Sector, Profitability Analysis, Bad Loans, Financial Health, Credit Risk,Loan Portfolio, Financial Stabilty,Banking Operations, Risk Assessment, Banking Operations, NPA trends.