International Journal For Multidisciplinary Research

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An Evaluation of Assets Quality of Selected Public and Private Sector Banks in India

Author(s) Muthyala Geetha, R. Nageswar Rao
Country India
Abstract The banks performance within a nation needs to be thoroughly assessed, as it plays a crucial role in influencing the country's economic health. This study aims to analyse and evaluate the asset quality of sample Indian public and private sector banks over a ten-year period, from the year 2013-14 to 2023. Banks were chosen based on their market capitalization and net profit, including major public sector banks such as SBI, BOB, and PNB, alongside leading private sector banks like HDFC, ICICI, and KOTAK Bank. The financial performance analysis employs the CAMEL rating model, focusing on the acronym "E." The CAMEL model parameters include Capital Adequacy Ratios (C), Asset Quality Ratios (A), Management Efficiency Ratios (M), Earnings Quality Ratios (E), and Liquidity Ratios (L). The results are analyzed using descriptive statistics. Data for this study were gathered from bank websites, and the CAMEL Model Asset Quality Ratios were applied after processing and organizing this information. Hypothesis testing involved calculations using simple averages and One-way ANOVA. The analysis of the data indicated that private banks excelled in all the ratios of the Asset Quality Parameter than the public banks. Hypothesis testing showed that there is no significant difference between the performance of public and private sector banks when it comes to the asset quality parameter.
Keywords Keywords – CAMEL rating system, Asset Quality, Ratio analysis, Gross NPAs, Gross Advances, Net NPAs and Net Advances.
Field Business Administration
Published In Volume 6, Issue 5, September-October 2024
Published On 2024-10-08
Cite This An Evaluation of Assets Quality of Selected Public and Private Sector Banks in India - Muthyala Geetha, R. Nageswar Rao - IJFMR Volume 6, Issue 5, September-October 2024. DOI 10.36948/ijfmr.2024.v06i05.28552
DOI https://doi.org/10.36948/ijfmr.2024.v06i05.28552
Short DOI https://doi.org/g7942t
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