Non-Performing Assets of Commercial Banks: A Comparative Study of Public Sector Banks vs Private Sector Banks (2012-2015)

Comparative Study

Open Access

Peer-reviewed

Non-Performing Assets of Commercial Banks: A Comparative Study of Public Sector Banks vs Private Sector Banks (2012-2015)

Dr. Naveen Kumar , Dr. Krishan Gopal

DIP: 18.02.018/20200502

DOI: 10.25215/2455/0502018

Received: May 29, 2020; Revision Received: June 18, 2020; Accepted: June 30, 2020

Abstract

Non-Performing Assets (NPAs) represent a critical challenge for the banking sector, undermining profitability and stability. This paper studies trends, causes, and impacts of NPAs on public and private sector banks in India during 2012-2015. Empirical data is utilized to test hypotheses regarding relative performance between these segments of the banking sector. Important differences in NPA levels are observed, which largely are attributed to structural, operational, and policy-related factors.

Keywords

The author(s) appreciates all those who participated in the study and helped to facilitate the research process.

The author(s) declared no conflict of interest.

This is an Open Access Research distributed under the terms of the Creative Commons Attribution License (www.creativecommons.org/licenses/by/2.0), which permits unrestricted use, distribution, and reproduction in any Medium, provided the original work is properly cited.

Responding Author Information

Dr. Naveen Kumar @ Naveenkumar50@gmail.com

Non-Performing Assets of Commercial Banks: A Comparative Study of Public Sector Banks vs Private Sector Banks (2012-2015)

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Article Overview

ISSN 2348-5396

ISSN 2349-3429

DIP: 18.02.018/20200502

DOI: 10.25215/2455/0502018

Published in

Volume 05, Issue 2, April-June, 2020

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References

Reserve Bank of India (RBI) Reports (2012-2015).

Annual Financial Statements of Selected Banks.

Government of India, Economic Survey (2012-2015).

Academic Journals on Indian Banking and NPAs.