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International Journal of Business and Management Tomorrow

Vol. 2 No. 1

Non-Performing Assest: Comparative Position of Public and Private Sector Banks in India
Mr. Sandeep Aggarwal, Assistant Professor, Indira Gandhi P.G. Regional Center- Mirpur. Ms. Parul Mittal, Assistant Professor, Indira Gandhi P.G. Regional Center- Mirpur.

Abstract
Today the Indian banking system has undergone significant transformation following financial sector reforms, adopting international best practices. Several prudential, payment, integrating and provisioning norms have been introduced, and these are pressurizing banks to improve efficiency and trim down NPAs to improve the financial health in the banking system. It is among the best in the world because Indian banks are favorable on growth, asset quality and profitability; RBI and Government have made some notable changes in policies and regulation to strengthen the sector. NPA involves the necessity of provisions, any increase in which bring down the overall profitability of banks; is the indicator of banking health in a country. In this paper, an effort has been made to evaluate the operational performance of the selected PSBs & Private bank in India since 2001, NPAs Trends and issues through secondary data. This paper analyze how efficiently Public and Private sector banks have been managing NPA. All the Indian banks are facing hard time managing their NPA. The magnitude of NPA was comparatively higher in public sectors banks compared to private banks under study but now, they have managed the number at lower end. ICICI bank still do have higher NPA figure compared to PSB under study. Keywords: NPA, Bank, Public, Private, SBI, ICICI, PNB, HDFC.

ISSN: 2249-9962

January|2012

www.ijbmt.com

Page | 1

International Journal of Business and Management Tomorrow

Vol. 2 No. 1

1. Introduction
The Indian Banking industry, which is governed by the Banking Regulation Act of India, 1949 can be broadly classified...

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