Published Paper Details:

The key changes took place in the operation of banks in India after liberalization, privatization and globalization. Economic reform in India started in early 90s, but their results are visible now. Non-performing assets mirror of the performance of banks. A high level of Non-performing assets suggests high chance of a large number of credit defaults that affect the profitability and net-worth of banks and reduce the value of the assets. NPAs affect the liquidity and profitability, in addition to create threat on value of assets and survival of banks. To boost the efficiency and profitability, the NPAs have to be organized. Various steps have been taken by authority to reduce the Non-performing assets. An attempt is made in this paper that what is Non-performing assets? In this analysis an effort has been made to evaluate the functioning performance of the selected public sector bank & Private bank in India and also study how efficiently Public and Private sector banks can manage NPA