IDEAS home Printed from
   My bibliography  Save this article

An Analysis of NPAs Management in PSBs, PVTSBs and FBs


  • Parasuraman Subramani

    () (Research Scholar, Research Department of Commerce, Sri Vijay Vidalaya College of Arts and Science, Dharmapuri, Periyar University, Tamilnadu.)

  • Dr. N. Sathiya

    () (Assistant Professor, Research Department of Commerce, Sri Vijay Vidalaya College of Arts and Science, Dharmapuri, Periyar University, Tamilnadu.)


Non-Performing Assets (NPAs) are one of the biggest challenges facing the global banking system, and particularly Indian banks. Some years before these banks were in flourishing heights, but health of these banks deteriorated because of NPAs. Many Indian banks have been controlled their NPAs up to a level, but some banks still have been failed to control their NPAs. As a result, NPAs hitting the profitability, liquidity and solvency, in addition to posing threat on quality of asset and survival of these banks. It involves the necessity of provisions, which reduces the overall profits and shareholders’ value. The problem of NPAs is not only affecting the banks but also the whole economy. In fact high level of NPAs in Indian banks is nothing but a reflection of the state of health of the industry and trade. It is essential to trim down NPAs to improve the financial health in the banking system. In the background of these developments, this study strives to examine the state of affair of the NPAs of the Public Sector Banks (PSBs), Private Sector Banks (PVTSBs) and Foreign Banks (FBs) in India. The study is based on the secondary data retrieved from “Statistical Tables Relating to Banks in India†. This paper analyses the position of NPAs in PSBs, PVTSBs and FBs for the period of 2009-10 to 2014-15.

Suggested Citation

  • Parasuraman Subramani & Dr. N. Sathiya, 2016. "An Analysis of NPAs Management in PSBs, PVTSBs and FBs," Journal of Commerce and Trade, Society for Advanced Management Studies, vol. 11(1), pages 59-76, April.
  • Handle: RePEc:jct:journl:v:11:y:2016:i:1:p:59-76

    Download full text from publisher

    File URL:
    Download Restriction: no

    More about this item


    Non-Performing Assets; Profitability; Liquidity; Public Sector Banks; Private Sector Banks and Foreign Banks.;

    JEL classification:

    • A0 - General Economics and Teaching - - General
    • C0 - Mathematical and Quantitative Methods - - General


    Access and download statistics


    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:jct:journl:v:11:y:2016:i:1:p:59-76. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Dr. Himanshu Agarwal). General contact details of provider: .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.