NON-PERFORMING ASSETS IN INDIAN BANKS: A COMPARATIVE ANALYSIS BETWEEN PUBLIC AND PRIVATE SECTOR BANKS

Abstract With the progress of time, banking as an industry has come forward extending its helping hands to benefit individuals, firms, companies and other business institutions and the ever-increasing trends in deposit and credit speaks the volumes for the performance of Indian banks, but with the process of financing, comes the inevitable risk of Non Performing Asset. In this paper an attempt has been made to portray the picture of gross and net non-performing assets in Indian banking sector for the time frame 2004-05 to 2013-14 respectively and with simple statistical tools this paper shows a comparison between the gross and net non-performing assets of public and private sector banks to find out the efficiency of each sector in dealing with non-performing assets. Keywords: Non-Performing Assets, Gross Non-Performing Assets, Net Non-Performing Assets, Public Sector Banks, Private Sector Banks