Volume : 10, Issue : 3, MAR 2024
OPPORTUNITY GENERATION AND EARLY BUSINESS DEVELOPMENT RESEARCHED BY STUDENTS PG DEPARTMENT OF COMMERCE WITH COMPUTER APPLICATIONS, MANNAR THIRUMALAI NAICKER COLLEGE, MADURAI
AN ANALYSIS OF THE REASONS FOR NON-PERFORMING ASSETS (NPAs) TO THE STATE BANK OF INDIA (SBI) IN MADURAI CITY
YOGESHWARAN.D, DR. M. DINESH KUMAR
Abstract
Non-performing assets (NPAs) have become a major concern for the State Bank of India (SBI) in Madurai City due to various reasons. One of the primary causes for NPAs is the economic downturn which has led to a decrease in borrowers' ability to repay loans. Non-compliance with lending guidelines and insufficient collateral also contribute to the rising NPAs in SBI Madurai. Additionally, poor credit appraisal techniques, lack of monitoring mechanisms, and ineffective recovery processes are other factors leading to an increase in non-performing assets. Addressing these issues through stringent risk management practices, regular audits, and timely identification of stressed accounts can help mitigate the impact of NPAs on SBI Madurai's financial health. It is crucial for the bank to proactively address these reasons for non-performing assets to ensure sustainability and profitability in the long run.
Keywords
NON-PERFORMING ASSETS (NPAS), STATE BANK OF INDIA (SBI) AND SWOT ANALYSIS ETC.
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