Published Paper Details:

Research Problem: Punjab National Bank and Bank of Baroda are two of the largest public sector banksofIndia, after State Bank ofIndia withthe market capitalizationshare ofRs. 626.53 billion and Rs. 932.40 billion respectively. These banks form the backbone of the Indian economy. Unfortunately, the Indian banking system has been facing the problem of ever rising NPAs due to mismanagement of NPAs owing to some sector wide reasons and some bank specific reasons. Research Gap: It has been found that there are lot of comparative studies onthe impact of non- performing assets onthe banks frompublic and private sectors. The IBC has been a huge reform in the legal framework of the country concerning the insolvency and bankruptcy matters of entities. This aims at making the resolution process easy and resolution and recovery of NPAs fast. There is no study on the comparative study on the NPAs of these two major public sector banks after the implementation of the IBC. Objective: To compare thelevelsofNPAsofthe banksinpre and postIBCera. Toanalyzetheimpact ofIBContheperformanceofbanksusing ratios Research Methodology: Forthe purposeofthe study, the secondarydatacollected fromvarious online resources including official websites of the Reserve Bank of India, government websites and annual reports of the banks obtained from the money control website and banks' websites. The study is descriptive in nature and tools like tables and graphs have been used to study the trends of recovery of NPAs before and after the IBC. The present study is descriptive in nature and aims to study the impact of the IBC 2016 on the NPAs of these banks. The data used is secondary in nature obtained from various online resources.