Comparative Analysis of Non Performing Assets(Npa) of The Sarvodaya Nagrik Sahakari Bank Ltd. & The Mehsana Urban Co-Op. Bank Ltd.
Journal Title: PARIPEX-Indian Journal of Research - Year 2016, Vol 5, Issue 4
Abstract
Indian banking industry plays a mediation in the socio economic development of the country. This role is played by banks by extending credit to various deficit sector for their growth and assets. Post reform era has changed the whole structure of banking sector of india. The unfold competition has resulted in new challenges for the indian banks. The current study was under taken to study the NON PERFORMING ASSETS OF THE SARVODAYA NAGRIK SAHAKARI BANK LTD (SNSB) AND THE MEHSANA URBAN CO OPERATIVE BANK LTD (MUCB). This paper provides an empirical approach to the analysis of profitability indicators with a focal point on NPA of SNSB& MUCB. Non performing assets are one of the major concerns for banks in india. NPA reflect the performance of bank .The earning capacity and profitability of the bank are highly affected because of the existence of NPA. A high level of NPA suggests that large number of credit defaults that affect the profitability and net worth of bank. This paper analyses the position of NPA in SNSB & MUCB. It also highlight the policies pursued by the bank to tackle the NPA and suggests a multi pronged strategy for speedy recovery of NPAs in banking sector.
Authors and Affiliations
MOHAMMADVASIM RANAVADIYA, Dr. SUNILSHAH
Keywords
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