This document discusses non-performing assets (NPAs) in the Indian banking sector. It finds that nationalized or public sector banks have seen higher growth in NPAs from 2013-2015 compared to other bank groups. Reasons for rising NPAs include weak legal systems, infrastructure project delays, agricultural uncertainties, and priority sector lending requirements. Public sector banks have much higher NPAs than private banks, especially in priority sectors, due to more stringent government regulations and preferential financing of government projects through public banks. The document suggests leveraging technology through early warning systems and a shared defaulter database to mitigate future NPA issues. Recommended remedial actions include expanding debt recovery infrastructure and reforming asset reconstruction company norms.