International Journal For Multidisciplinary Research

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An Empirical Study of Public and Private Sector Bank’s NPA for the Period of 2005-2021

Author(s) Priyanka Singh, Prof. Harish Handa, Dr. Manoj Sain
Country India
Abstract One of the most significant and challenging issues affecting the entire banking industry in India is the problem of Non-Performing Assets (NPAs). The primary source of revenue for banks is the interest collected on the loans they extend. However, when banks lend money, they assume the risk of bad credit. This means that the bank is exposed to potential losses if the borrower fails to repay the loan. The conducted analysis addresses the long-standing issues and concerns associated with Non-Performing Assets (NPAs) in scheduled commercial banks in India. This paper aims to assess the efficiency of each scheduled commercial bank in India over the period from 2005 to 2021. It evaluates key indicators, including net profit, total assets, total liabilities, and total employment. The aim and objectives of this study are to evaluate the variables impacted by NPA for public sector and private sector banks in India, to identify the scheduled commercial banks' NPA management shortcomings. The methodology which has been implemented in this study descriptive and panel regression analysis. Results shows that the larger NPA is in private sector bank when compared to public sector bank.
Keywords Public Sector Bank, Private Sector Bank, Non-Performing Assets (NPAs), Profit, Loss, Bad Debts, Bad Loan, Loan
Field Sociology > Banking / Finance
Published In Volume 6, Issue 4, July-August 2024
Published On 2024-07-30
Cite This An Empirical Study of Public and Private Sector Bank’s NPA for the Period of 2005-2021 - Priyanka Singh, Prof. Harish Handa, Dr. Manoj Sain - IJFMR Volume 6, Issue 4, July-August 2024. DOI 10.36948/ijfmr.2024.v06i04.25476
DOI https://doi.org/10.36948/ijfmr.2024.v06i04.25476
Short DOI https://doi.org/gt553c
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