IMPACT OF SOCIOECONOMIC COMPULSION ON NPA LEVEL OF SELECT BANKS IN INDIA: A COMPARATIVE STUDY

Pradipta Gangopadhyay

Abstract


The reforms in the financial sector have resulted in numerous changes in the banking sector.In order to improve the financial health of the banks, various norms have been introduced atregular intervals. As the banking sector constitutes a major component of the financial service sector, the soundness of the banking sector is necessary for a dynamic and healthy economy.The establishment of a productive, efficient and stable economy is possible only when a country is having a sound and healthy banking sector. This study has been an attempt to analyse the comparative performance of selected public and private sector banks in India during the period 2003 to 2013 on the basis of their direct and indirect contributions to the society for socio-economic growth and its impact on quality of assets or NPA level of the banks. For this purpose five leading Indian banks from each of the public and private sector banks have been taken into consideration. Findings of the study indicate that the performance of the private sector banks is better from the bankers’ viewpoints but from the social viewpoints, public sector banks are better performers.

Key Words: Public and Private Sector Banks, Social Responsibility, NPA


Full Text:

PDF

References


Datey. V.S (2003), ‘The SARFAESI Act’, Southern economist, February, 2003

Datta D K, (2014), ‘NPA management by banks: Interbank disparities in India’, The Management Accountant, Vol. 50, Issue 1

Ghosh (2005). ‘Does leverage influence banks‟ non-performing loans? Evidence from India’, Applied Economics Letters, Vol. 12, pp. 913–918

Gupta, S and S Kumar (2004). ‘Dimensions and Prospects of Non-performing Assets: Challenges Before the Banking Sector Reforms in the New Millennium’, Edited Book Banking in the New Millennium, pp. 279-291

Kumar R. (2000). ‘NPA Management for Better Banking’, Proceedings of the Bank Economist Conference, pp. 68-73

Namita Rajput, Monika Gupta and Mr. Ajay Kumar Chauhan (2012), ‘Profitability and Credit Culture of NPAs: An Empirical Analysis of PSBs’, International Journal of Marketing, Financial Services & Management Research; Vol.-1, Issue-9, pp. 91-109

Parul Bhatia, ‘loans by banks post-recession that NPA effect’, Southern Economist, May, 2009

Rajput, Namita, Monika Gupta and Ajay Kumar Chauhan (2012). ‘Profitability and Credit Culture of NPAs: An Empirical Analysis of PSBs’, International Journal of Marketing, Financial Services & Management Research

Shivakumar V. and Sundar. K., ‘Loans, assets management in KSFC’, Southern economist, July, 2010

Siddiqi, A.Q., Rao, A.S. and Thakkar, R.M. (1999), ‘Some Aspect and Issues Relating to NPAs in Commercial Banks’, RBI Bulletin, pp. 913-935

RBI Report-2013-14

Economic Survey, 2013-14

www.rbi.org.in


Refbacks

  • There are currently no refbacks.




IBT- Journal of Business Studies byILMA University
is licensed under aCreative Commons Attribution 4.0 International License.
Based on a work athttp://jms.ilmauniversity.edu.pk/index.php/jbs/index.
Permissions beyond the scope of this license may be available athttp://ibtjbs.ilmauniversity.edu.pk/

Copyright ILMA University 2020. All right reserved.

The articles that are published in the journals are distributed under CC BY license. Users can distribute, remix, tweak, and build upon our articles, even commercially, as long as they are credited for the original creation. License Creative Commons.