Management of Nonperforming Assets in Indian Scheduled Commercial Banks

Management of Non performing assets in Indian Scheduled commercialised Banks * D. Veena Abstract:- A healthy banking system is essential for either economy striving to achieve growth and remain durable in competitive global business environment. Indian banks are favorable on growth, asset character and profitability; rbi and G everywherenment have made some notable changes in policies and regulation to help t one and only(a) the sector. These changes include girding prudent norms, enhancing the payments system and integrating regulations of commercial banks. In terms of quality of assets and capital adequacy, these banks have clean, strong and transparent balance sheets relational to other banks in comparable economies in its region. PSBs need to strengthen institutional skill levels especially in sales and marketing, receipts operations, risk management and the overall organisational performance ethic & strengthen human capital. Structural weaknesses such as a scattered assiduity structure, restrictions on capital availability and deployment, lack of institutional support infrastructure, restrictive labour laws, weak corporate plaque and ineffective regulations beyond Scheduled Commercial Banks (SCBs), unless industry utilities and supporter bureaus. One of the major drawbacks of SCBs is its NPAs.

The best indicator for the health of the banking industry in a country is its level of Non-performing assets (NPAs). NPAs are one of the major concerns for banks in India. It reflects the performance of banks. Reduced NPAs generally gives the purpose that banks have strengthened their credit appraisal processes over the historic period and growth in NPAs involves the necessity of provisions, which bring down the over all profitability of banks. The Indian banking sector is facing a serious problem of NPA. The extent of NPA is comparatively higher in public sectors banks. To improve the efficiency and profitability of banks the NPA has to be scheduled. This paper deals with... If you want to get a full essay, order it on our website: Orderessay

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