A study of Non Performing Asset of IndianBanking Industry with Special Reference to StateBank of India and ICICI.

Abstract :
Today, trend of Indian Banking Environment,
are facing issues of managing the non performing
assets. The NPA is one of the major hurdles facing
by the Indian Public Sector Banks and Private
Sector Banks. The performance of the banks can
be evaluated by analyzing the branches of the
banks and how much deposit the banks have till
date. But in recent trend to analyze the banks
performance one more factor we must have to
consider i.e. Non Performing Assets. The Article
puts a light on the current status of the level of
nonperforming assets in selected public sector
band and private sector band in Indian Banking
Industry. The Article gives the clear picture
about the NPA management of SBI and ICICI
bank within the span of last 5 years. What are
the reasons for increasing in NPA and what
precautions the banks are taking to overcome the
major issue which the banks are facing in terms
of NPA.
Keywords : Non Performing Assets,
Comparison between Public sector and Private
sector Banks.
Introduction :
Indian Banking industry is the most stable
segment of financial sector. The Indian Banking
sector stood firm in the period of recession
because of which Indian economy stood firm in
the crucial phase of recession. From the last two
decade India’s banking industry facing some
inevitable burden in the form of Non Performing
Assets. Today’s success and good performance
is depend upon the proper management of NPA
and keeping it to the threshold limit decided by
the individual banks.