Abstract

The main asset of the bank is perceived by “Loans & Advances”, as the loans gives interest with principle amount to the banks. Loans are considered as one of the major functions of the bank laid beside deposits. This function becomes necessary for a bank to register as a “Commercial Bank”. Loans are such a product for the commercial bank upon which the profit is based. In simple words bank provide loans to the public, charge some interest rate to get it back and this is how makes profit. When a person or an entity fails to pay back within the time period that amount will be declared as non performing assets (NPAs). All SCBs follow rules and regulation of RBI before classifying it as NPAs. The classification of Asset is Standard Assets, Sub-Standard Assets, Doubtful Assets and Loss Assets. The present study aims to study the asset quality held with public sector banks exclusively and to compare its performance with all other SCBs in India

Description