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- Title
Portfolio of NPA : By Classification of Banks.
- Authors
Satpathy, Ipseeta; Patnaik, B. C. M.
- Abstract
Non-performing assets (NPAs) or bad loans, as they are commonly called, have been menace for the banking sector. Non-performing assets have been detrimental to the performance of the Indian Banks. Their continued amelioration in absolute terms proved the survival of Indian Banks very difficult. The Non-Performing Assets are the bad debts or non-recovered loans of the banks which now stands at Rs.56,668 crores as against the total advances Rs,25,07,885 crores which is 2.26% percent of total advance as on 31st March 2008 (Complied data of Money and Banking ,CMIE, November 2009). In the present study an attempt is made to analyze the various Portfolio of NPAs with special reference to Standard Assets (SA), Sub-standard Assets (Sub- SA), Doubtful Assets (DA) and Loss Assets (LA) for the period from 2001-02 to 2007-08. It is observed that the recovery of NPAs improving since 2001-2002 in all the scheduled commercial banks. However, it is suggested that the banks should take care to ensure that they give loans to creditworthy customers as prevention is always is better than cure.
- Subjects
INDIA; BANKING industry; CUSTOMER services; BANK loans; FINANCIAL institutions
- Publication
BVIMR Management Edge, 2012, Vol 5, Issue 1, p53
- ISSN
0976-0431
- Publication type
Article