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IJSTR >> Volume 9 - Issue 3, March 2020 Edition

International Journal of Scientific & Technology Research  
International Journal of Scientific & Technology Research

Website: http://www.ijstr.org

ISSN 2277-8616

Non-Performing Assets: Reasons And Remedies

[Full Text]



Dr.B.Sudha, Dr.R.Alamelu mangai



NPA, reasons, provisioning, bank, profitability, borrower, asset quality.



Asset quality is an important parameter to judge the financial performance of a bank. Non-Performing assets not only ceases income of banks and requires higher provisioning and deteriorates profit margin of the banks. Alarming NPA of banks are the biggest hurdles for the socioeconomic development of our country. To tackle the NPA problem Government of India has announced the recapitalization plan for the PSBs. Moody’s research report stated that, “the government’s Rs.2.11 lakh crore capital infusion in public sector banks would narrow the gap between the capital profiles of public and private sector banks. This capital infusion will also help public sector banks build their provisioning coverage ratios as they will be allocated much of their operating profits towards loan-loss provisioning without having to worry about the impact on their capital positions”. The researchers in this article made an attempt to highlight the reasons for the NPA.



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[2] www.rbi.org
[3] Sudha.B Alamelumangai.R , ‘Recovery Of Npas Through Debt Recovery Channels In Indian Banks - An Analysis’, Restaurant Business
[4] T.R.Gurumoorthy, B.Sudha, ‘Non-Performing Assets (A Study with reference to Public Sector Banks), March 2019, Indian Journal of Applied Research Volume : II(Issue