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The core business of a bank is to manage different risks and to provide a return to shareholders in line with the risk profile of the bank.The global financial meltdown triggered during 2008-09 by the subprime mortgage crisis of United States and its adverse effects on financial markets and participants in the financial industry.Keywords: Credit Risk Management, Public Sector Banks, Non-Performing Assets1.
Finance & Accounting, ICFAI Business School (IBS), IFHE, Hyderabad, India Copyright © 2019 by author(s) and Scientific Research Publishing Inc.
This work is licensed under the Creative Commons Attribution International License (CC BY 4.0). December 29, 2018; Accepted: January 26, 2019; Published: January 29, 2019 ABSTRACTThe paper identifies why there are more non-performing assets (NPAs) in the public sector banks (PSBs) than those in the private sector banks (PVSBs).
Most of the banks in public and private sectors are listed on the stock exchanges and are actively trading at the stock exchanges.
The performance and strength of the banking structure improved perceptibly during last three decades.
The global financial crisis has created capital management crises and problems in most of the financial institutions and banks.
Chinese Culture Essay - Non Performing Assets Research Paper
The crisis turned out to be a major financial crisis in 2009 with a series of bank failures, mergers, losses and unprecedented interventions of financial authorities in providing liquidity in the system and announced nationalization of major institutions.
Based on recommendations of Narasimham Committee Report, 1991  .
Reserve Bank of India (RBI) introduced several reforms such as reduction of reserve requirements, deregulation of interest rates, introduction of prudential norms, strengthening of bank supervision and improving the competitiveness of the system by allowing entry of private banks.
Risk management in banking industry has became an important issue since the 2009 global financial crisis (Joel)  .
Overview of Indian Banking Industry The present Indian banking structure comprises 84 scheduled commercial banks (SCBs) consisting of 21 public sector banks (PSBs), 20 private sector banks (PVBs) and 43 foreign banks (FBs).