NPA in Banking Sector.pptx
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Business Research Methodology on Non performing assets in Indian Banking Sector.
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NPA in Banking Sector.pptx
- 1. Under the Guidance of: Dr. Meenakshi Malhotra & Prof. Krunal Punjani STUDY OF NPA IN BANKING SYSTEM
- 2. Pournima Admane Vishal Doke Swapnil Galande Team Members Farheen Patel Rutuja Pawar P02 P11 P14 P43 P46
- 3. A loan is in default when loan agreement is broken. NPA refers to classification for loans or advances that are in default or in arrears. A loan is in arrears when principal or interest payments are late or missed. Introduction to Non Performing Assets
- 4. Need for Study Profitability Credit Ratings High Provisioniing
- 5. Literature Review Chakraborty (2017) studied the effects of NPA on bank profitability Indian banks with enormous amounts of bad loans are in pathetic health and found a sharp jump in their gross NPAs.
- 6. Literature Review Singh (2013) studied that in India, bad assets are one of the main concerns of banks. NPA is the best indicator of the health of the banking industry. NPA reflects the performance of the bank. .
- 7. 5 Year Data of Banks Objective s NPA- Profitability NPA-Private Sector/Public Sector Correlatio n ANNOVA Analysis of Data Conclusio n NPA- Bank Ratings. ANNOVA Conceptual Model
- 8. To study if NPA affects Banks Profitability.
- 9. Public & Private Sector Bank 5 Year Data NPA & Profits Correlation Data Analysis
- 11. PRIVATE SECTOR BANKS YEARS YES IDBI ICICI AXIS HDFC NPA NET PROFI T NPA NET PROFI T NPA NET PROFI T NPA NET PROFIT NPA NET PROFI T 17 1072 3330 25205 -5158 25415 9810 21280 3679 5885 14549 18 1312 4224 28665 -8237 27886 6777 34248 275 8606 17486 19 4484 1720 14873 -15116 13557 3363 29789 4676 11224 21078 20 8623 -16148 5439 -12887 10113 7930 30233 1627 12649 26257 21 9813 -3462 2519 1359 9180 16192 25314 6588 15086 31116 Correlati on -0.76 -0.14 -0.28 -0.64 0.98
- 12. PUBLIC SECTOR BANKS YEARS PNB CBI BOI BOB SBI NPA NET PROFI T NPA NET PROFI T NPA NET PROFI T NPA NET PROFIT NPA NET PROFI T 17 55370 1324 27251 -2439 52044 -1558 42719 1383 112342 10484 18 86620 -12282 0 -5104 62328 -6043 56480 -2431 223427 -6647 19 78427 -9975 32356 -5641 60661 -5546 48232 433 172753 862 20 73478 336 32589 -1121 61550 -2956 69381 546 149091 14488 21 104432 2021 29276 -887 56534 2160 66671 828 126389 20410 Correlat ion -0.12 0.47 -0.64 -0.11 -0.86
- 13. Whenever NPA increases Net Profit decreases Public Sector banks has negative correlation except CBI Bank Private sector banks has negative correlation except HDFC Bank Inversely related to each other Data Interpretation
- 14. To study if there is difference between Public Sector NPA & Private Sector NPA.
- 15. Public & Private Sector Bank 5 Year Data NPA One-way ANNOVA Data Analysis
- 16. (Ho): There is no significant Difference between NPA of Private and Public Sector Banks Here P-Value is less than 0.000< 0.05. Therefore we will reject the Null Hypothesis We can conclude that there is significant difference between NPA of Private Sector Bank & NPA of Public Sector Bank.
- 17. To study if there is relation between NPA & CIBIL Ratings.
- 18. Public & Private Sector Bank 5 Year Data NPA & Bank Ratings One-way ANNOVA Data Analysis
- 19. Ho: There is no significant relationship between NPA & Bank Ratings. Here P-Value is less than 0.017< 0.05 Therefore we will reject the Null Hypothesis. We can conclude that there is significant relationship between NPA and Bank Ratings.
- 20. THANK YOU