• Mr. RAVINDAR. K

In current times the banks have become very careful in extending loans due to fear of increasing non-Performing assets. If the borrowers unable to pay the loan amount as well as interest amount within ninety days, then the mortgage assets of borrowers become non-performing assets. Such assets fail to create revenue or any income for the commercial banks. Profitability is directly depended on non-performing assets. This research study is based on analysis of non- performing assets in public sector bank and private sector bank. The gross non-performing assets to gross advances ratio of ICICI Bank is increasing year by year. Then the ICICI bank required more attention to manage their non-performing assets. The State Bank of India non-performing assets are decreasing by implementing Stressed Assets Resolution Group (SARG) for given that focus on resolution of non-performing assets with segment specific approach. The net non-performing assets to net advances ratio is increasing year by year. Then the ICICI bank required more attention to manage their non-performing assets. Any increase in the percentage of net non-performing assets to net advances ratio has a negative impact on the profitability of the banks which leads to the poor performance of the banks. The State Bank of India net non-performing assets to net advances ratio is low it means State Bank of India had make satisfactory provisions against non-performing assets.

NPA, Gross NPAs/ Advances Ratio and Net NPAs/ Advances Ratio

"Management of Non-Performing Assets in Indian Banks – A Comparative Study ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 12, page no.f662-f672, December-2023, Available :http://www.jetir.org/papers/JETIR2312581.pdf

"Management of Non-Performing Assets in Indian Banks – A Comparative Study ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 12, page no. ppf662-f672, December-2023, Available at : http://www.jetir.org/papers/JETIR2312581.pdf