The Role of Non-Performing Assets in Indian Banking Sector
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Abstract
Banking sector plays a vital role in the economic development of a country. A healthy financial system and an efficient economy are dependent on a sound banking sector. The Indian banking sector has gone through a significant transformation after the economic reforms in 1991.This transformation and the big size have exposed banking sector to various kinds of risks such as credit, operational, market and liquidity risks. Non-performing assets (NPAs) is one of the major risks being faced by the banks (Public as well as Private) today as it has lowered the profits of the banks. NPA plays an important role in every economic condition and also the main cause of the increase in the current account deficit. Interest rates, Loan, Housing Loans, CRR, and SLR all are directly affected by the system.
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