A STUDY OF TRENDS OF NON PERFORMING ASSETS IN PUBLIC SECTOR BANKS DURING POST –REFORM PERIOD

Tanmaya kumar pradhan

Abstract


Abstract: Non-Performing Assets have been substantially reduced since regulations were tightened in 1993, but improvement has recently slowed down and the levels of NPA remain high compared to international standards. According to RBI norms, NPA has been defined as a credit facility in respect of which interest has remained past due for a period of four quarters. An amount under any credit facility is past due when it has not been paid within 30 days from the due date. It examines the trends of NPA, trends in Gross advances and Gross NPA, bank-wise NPA, quantum of NPA in public sector banks. The study is based on the secondary data. The data has been analyzed by percentage method. The rate of decline in Gross NPA has been extremely low during the last decade. There has been a marked improvement in the asset quality with the percentage of Gross NPA to Gross advances reduced in the post reform period.


References


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ISSN : 2251-1555