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Impact of Non Performing Assets on Profitability and Productvity of Public Sector Banks in India |
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| รหัสดีโอไอ | |
| Creator | Mahipal Singh Yadav |
| Title | Impact of Non Performing Assets on Profitability and Productvity of Public Sector Banks in India |
| Publisher | Asian Forum on Business Education (AFBE) |
| Publication Year | 2554 |
| Journal Title | AFBE Journal |
| Journal Vol. | 4 |
| Journal No. | 1 |
| Page no. | 232 |
| Keyword | Public Sector Banks,India |
| ISSN | 2071-7873 |
| Abstract | Banks directly or indirectly affect economic development because of their many facets. During colonial rule in India, banks were geographically confined to urban areas and provided credit particularly business and trading class and were restructured into nationalized banks during post independence period to achieve broader economic objectives and registered an overall impressive achievement. Despite of this, the question has been raised time and again on myriad restriction of nationalised banks which merely fulfills social agenda of the government and increased non-performing assets. This paper deals with the concept of non-performing assets, its magnitude and impact. One fourth credit of total advances was in the form of doubtful asset in the initial year of the nineties and has an adverse impact on profitability of public banks at aggregate or sectoral level indicating high degree of riskiness in credit portfolio and raising question mark on the credit appraisal. The profitability of all public sector banks affected at very large extent when non-performing assets (NPAs) work with other banking strategic variables and also affect productivity and efficiency. |
