03832nas a2200169 4500008004100000245006400041210006300105260006700168520327400235653001003509653001003519653001103529653000803540653001803548100001503566856008103581 2014 eng d00aIMPLICATIONS OF NON-PERFORMING ASSETS IN THE BANKING SECTOR0 aIMPLICATIONS OF NONPERFORMING ASSETS IN THE BANKING SECTOR aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a
 
NPA means an asset or account of borrower, which has been classified by a bank or financial institution as sub-standard, doubtful or loss asset, in accordance with the directions or guidelines relating to asset classification issued by RBI. NPA are those loans given by a bank where the borrower defaults or delays interest or principal payment. The dreaded NPA rule says when interest or other dues to the bank remains unpaid for more than 90 days; the entire bank loan automatically turns as “NPA”. The recovery of loan has always been a problem for banks. NPA are threatening the stability and demolishing bank’s profitability through a loss of interest income and write-off of the principal loan amount itself. This paper focuses upon the implications of NPAs in the banking sector. A comparative analysis of NPAs of public sector banks vis-à-vis private sector banks has been undertaken – For the purpose of this study six banks have been randomly chosen (3 each from the private and public sectors). Data has been collected from the annual reports of the banks. It is found that banks need to monitor standard assets to assert any account from becoming a NPA. Today, the success of banks depend on the methods of managing NPA’s and keeping them within a tolerance level. 
Banks are not allowed to book any income from NPA’s; also they need to make provisions for NPA’s which impacts profitability adversely. With the introduction of international norm of 
income recognition, asset classification and provisioning in the banking sector, managing NPA has emerged as one of the major challenges facing banks. Besides, resorting to legal remedies for recovery of their dues, banks have also utilized the services of the Debt Recovery Tribunals (DRT).
10aAsset10aBanks10aIncome10aNPA10aProfitability1 aDevi, Tara uhttps://www.mypadnow.com/implications-non-performing-assets-banking-sector-002039nas a2200157 4500008004100000245004700041210004700088260006700135520154000202653001301742653001401755653001001769653000801779100002301787856007101810 2014 eng d00aMounting NPAS in Indian Nationalised Banks0 aMounting NPAS in Indian Nationalised Banks aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a
 
Non-Performing Assets have been substantially reduced since regulations were tightened in 1993, but improvement has recently slowed down and the levels of NPA remain high 
compared to international standards. According to RBI norms, NPA has been defined as a credit facility in respect of which interest has remained past due for a period of four quarters. The Gross Non-Performing Assets (GNPAs) of Nationalized Banks as on June 2012 were Rs.73,038 crore which amount to 2.94% of Gross Advances. In this direction present paper is undertaken to study the reasons for advances becoming NPA in the Indian Commercial banks Sector and to give suitable suggestion to overcome the mentioned problem. In this direction present paper is undertaken to study the reasons for advances becoming NPA in the Indian Commercial banks Sector and to give suitable suggestion to overcome the mentioned problem.
10aAdvances10aGross NPA10aLoans10aNPA1 aDALAL, DR, MAHIBUB uhttps://www.mypadnow.com/mounting-npas-indian-nationalised-banks-0