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A Comparative Study of Impact of NPA on Growth of Public and Co-operative Sector Banks in Amravati District

Author

Listed:
  • Dr. Yogesh S. Ingale

    (Project Research Fellow, Shri Shivaji Arts & Commerce College, Amravati.)

  • Dr. Arun G. Harne

    (Associate Professor, Smt Kesharbai Lahoti Mahavidyalya Amravati.)

Abstract

Indian banking sector of having a serious problem due non performing. The financial reforms have helped largely to clean NPA was around Rs. 52,000 crores in the year 2004. The earning capacity and profitability of the bank are highly affected due to this NPA is defined as an advance for which interest or repayment of principal or both remain outstanding for a period of more than two quarters. The level of NPA act as an indicator showing the bankers credit risks and efficiency of allocation of resource. The rising incidence of NPAs has been generally attributed to the domestic economic slowdown. It is believed that with economic growth slowing down and rate of interest going up sharply, corporate have been finding it difficult to repay loans, and it has added up to rising NPAs.

Suggested Citation

  • Dr. Yogesh S. Ingale & Dr. Arun G. Harne, 2018. "A Comparative Study of Impact of NPA on Growth of Public and Co-operative Sector Banks in Amravati District," Journal of Commerce and Trade, Society for Advanced Management Studies, vol. 13(1), pages 58-65, April.
    • Handle: RePEc:jct:journl:v:13:y:2018:i:1:p:58-65
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    File URL: http://www.jctindia.org/april2018/v13i1-8
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    More about this item

    Keywords

    Credit Loss; Doubtful Assets; Gross NPA; Net NPA; Return on investment .;
    All these keywords.

    JEL classification:

    • E59 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Other
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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