The document analyzes non-performing assets (NPAs) at State Bank of India over 5 years using ratio analysis of secondary data. Gross NPAs peaked at 11% in 2018 while net NPAs peaked at 6% that year. Suggestions include SBI taking more care in granting advances and addressing its high net NPA ratio. The conclusion is that NPAs are a major problem for Indian banks and banks should focus on good assets by considering internal and external factors.

1. AN RATIO ANALYSIS OF NON PERFORMING
ASSETS IN STATE BANK OF INDIA
OBJECTIVES
To understand the concept
of NPA.
To identify the causes of
NPAs in Indian banking
system.
 To study the role of NPA
in banking sector.
RESEARCH METHODOLOGY
Source of Data :secondary data
Tools: ratio analysis
period of study:5yrs
Table showing Gross & Net npa
years Gross npa Net npa
2015 4.00% 2.00%
2016 7.00% 2.00%
2017 7.00% 4.00%
2018 11.00% 6.00%
2019 8.00% 3.00%

2. AN RATIO ANALYSIS OF NON PERFORMING
ASSETS IN STATE BANK OF INDIA
FINDINGS
Gross npa (2019): 8%
Net npa (2019): 3%
SUGGESTIONS
 SBI need to take more care
and follow ideal norms of
granting advances.
Net NPA Ratio of state
Bank of india is very
alarming stage.
CONCLUSION
The NPA is one of the biggest
problems that the Indian Banks
are facing today
According to this project I
came to know that from the
analysis of NPA. So the banks
should focus on good assets in
the coming years by taking
care internal as well as external
factors.