Title: NON-PERFORMING ASSETS (NPAS) IN THE INDIAN BANKING
SYSTEM: UNVEILING THE FACTUAL ANECDOTE
Authors: Dr. Rashmita Barua
Dr. Rashmita Barua
Assistant Professor (Stage 2), Dept. of Commerce and Management, School of Technology,
Assam Don Bosco University, Airport Road, Azara, Guwahati-781017, Assam.
MLA 8 Barua, Dr. Rashmita. "NON-PERFORMING ASSETS (NPAS) IN THE INDIAN BANKING SYSTEM: UNVEILING THE FACTUAL ANECDOTE." Int. j. of Social Science and Economic Research, vol. 3, no. 10, Oct. 2018, pp. 5476-5489, ijsser.org/more2018.php?id=382. Accessed Oct. 2018.
APA Barua, D. (2018, October). NON-PERFORMING ASSETS (NPAS) IN THE INDIAN BANKING SYSTEM: UNVEILING THE FACTUAL ANECDOTE. Int. j. of Social Science and Economic Research, 3(10), 5476-5489. Retrieved from ijsser.org/more2018.php?id=382
Chicago Barua, Dr. Rashmita. "NON-PERFORMING ASSETS (NPAS) IN THE INDIAN BANKING SYSTEM: UNVEILING THE FACTUAL ANECDOTE." Int. j. of Social Science and Economic Research 3, no. 10 (October 2018), 5476-5489. Accessed October, 2018. ijsser.org/more2018.php?id=382.
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Abstract: The Non-Performing Asset (NPA) emerges from a bank's assets in the form of loans, advances
and investments. When an asset fails to create the projected income it becomes a NPA. The
concept of NPA in India was introduced by RBI to reflect bank's actual financial health in its
balance sheet. Provisioning for NPAs have more than doubled, which has led to a whopping 60
per cent decline in net profits for the SCBs. The aggregate increase in NPAs have almost reached
to 47 per cent between March 2015 and March 2017. The present analysis deals with the current
status of NPAs accruing across all SCBs in India, root causes of growing NPAs and suggest
ways of minimizing its effect on the economy. In order to analyze the NPA factor and NPA
based performance of the banks, Gross NPA% (GNPA), Net NPA% (NNPA) in terms of Gross
Advances, Net Advances, Growth % of Gross Advances and growth % of Gross NPAs have
been calculated. These ratios of the banks have been analyzed further through CAGR and
The International Journal of Social Science and Economic Research Inviting Papers/Articles for Current Issue Volume 4 No. 10 October 2019.
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