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Analysis of Npa in Banking Industry - A Comparative Study Between Public Sector Banks and Private Sector Banks
Analysis of Npa in Banking Industry - A Comparative Study Between Public Sector Banks and Private Sector Banks
Analysis of Npa in Banking Industry - A Comparative Study Between Public Sector Banks and Private Sector Banks
Gross Net
NPA NPA
Loss Assets Doubtful Assets Sub Standard Standard Assets
• Which has Assets • Which has no
• where loss has been
identified by the bank remained in the • Which has default in
or internal or external sub standard remained NPA repayment of
auditors or the RBI category for a for a period principal or
inspection but the period of 12 less than or payment of
amount has not been months. equal to 12 interest
written off wholly. months. perceived.
CLASSIFICATION OF LOAN ASSETS
OBJECTIVE OF STUDY
The purpose of this study is to have an in-depth
analysis of NPAs.
160000
140000
120000
IN CRORES
100000
80000
60000
40000
20000
0
2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17
50000
40000
30000
20000
10000
0
2005- 2006- 2007- 2008- 2009- 2010- 2011- 2012- 2013- 2014- 2015- 2016-
06 07 08 09 10 11 12 13 14 15 16 17
YEARS
8000
7000
6000
5000
IN CRORES
4000
3000
2000
1000
0
2005- 2006- 2007- 2008- 2009- 2010- 2011- 2012- 2013- 2014- 2015- 2016-
06 07 08 09 10 11 12 13 14 15 16 17
YEAR
80000
70000
60000
50000
IN CRORES
40000
30000
20000
10000
0
2005- 2006- 2007- 2008- 2009- 2010- 2011- 2012- 2013- 2014- 2015- 2016-
06 07 08 09 10 11 12 13 14 15 16 17
YEARS
10
9
8
7
In Percentages
6
5
4
3
2
1
0
2005- 2006- 2007- 2008- 2009- 2010- 2011- 2012- 2013- 2014- 2015- 2016-
06 07 08 09 10 11 12 13 14 15 16 17
Years