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International Journal of Research in Management

Vol. 6, Issue 1, Part F (2024)

Comparative study on impacts towards non-performing assets on financial crises between public sector banks and private sector banks

Author(s):

Sathvika MV and Dr. Anantharajan RS

Abstract:

The handling and consequences of non-performing assets (NPAs) have become important factors in today's financial environment when it comes to determining how resilient and stable banking institutions are. This study conducts a thorough comparative analysis, exploring the varying effects of nonperforming assets (NPAs) on financial crises, with a particular emphasis on the differences between public-sector banks (PSBs) and private sector banks (PSBs). The research employs a comprehensive approach that incorporates quantitative evaluations, empirical analyses, and qualitative analyses of both historical and current data. Through comparing the performance of banks in the public and private sectors at times when non- performing assets (NPAs) are at an elevated level, this study seeks to identify trends, pinpoint weak points, and pinpoint robust approaches used by each industry. The inquiry also delves into the examination of policy responses and regulatory frameworks, analysing how governance, risk management, and institutional structures shape the disparate results seen in public and private banking organisations. In addition to expanding our knowledge of the complex relationships between non-performing assets (NPAs) and financial crises, the research's conclusions offer useful information to financial regulators, policymakers, and business professionals. Formulating focused and efficient strategies to improve the overall stability and sustainability of the banking sector in the face of NPA-induced financial crises will require an understanding of the unique challenges faced by public and private sector banks. The study's findings add to the ongoing conversation about prudent risk management, the effectiveness of regulations, and the general health of banking institutions in modern economies as financial systems continue to change.

Pages: 524-529  |  82 Views  29 Downloads


International Journal of Research in Management
How to cite this article:
Sathvika MV and Dr. Anantharajan RS. Comparative study on impacts towards non-performing assets on financial crises between public sector banks and private sector banks. Int. J. Res. Manage. 2024;6(1):524-529. DOI: 10.33545/26648792.2024.v6.i1f.186
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