Dr. Poonam Mahajan(July 2014),concluded that, In India the position of NPA’s is improving. ThoughNPAs had a declining trend over a period of study, still the Non Performing Assets of public sector banks continueto be higher than private and foreignsector banks. Ms.V.Subhamathi (October 2016),In his studyrevealed that private sector banks have more comparatively higherNPA’s than public sector banks.
In addition he concluded that there is strongco-relation between Net profit and NPA’s of both public and private sectorbanks. D.Jayakkodi Dr.P.Rengarajan (September 2016) in his study concludedthat the effect of NPA’s is comparatively higher in public sector banks thanprivate sector banks. The NPA level of our banks is still high as compared tothe international standards. Provisions for the faster settlement of pendingcases should be made by the govt. otherwise the NPA’s effect the banksprofitability, liquidity and solvency.
Ashly Lynn Joseph and Dr. M. Prakash (July2014), conducted a study where he concluded that the NPA’s are higher in publicsector banks than in private sector banks. Proper preventive measures in anefficient manner must be taken by the Banks to avoid any account becoming NPA.
Priyanka Mohnani and Monal Deshmukh (April 2013) in his studyincluded that NPA is one of the obstacle in success of the bank and effects itsperformance negatively. He also suggested certain measures to be adopted by themanagement of the bank so as to reduce NPA’s. MeenakshiRajeev and H P Mahesh observed that the root cause for the global financialcrisis is the NPA’s. NPAin the priority sector is still higher than that of the non-priority sector. SSI’sperformance is the worst within the priority sector. Lalit Bhalla and VishalSarin studies that the ratio of Net NPA’s to Net advances have shown adeclining trend upto 2009 in public sector banks, again it has shown a increasingtrend.
It indicated during the period of study that the private sector banksplayed a significant role in recovering the loan amount.