| Popis: |
A well-built banking sector is significant for a prosperous economy. In a bank dominated economy such as India, the quality of assets of the banks is a crucial indicator of the financial health of the banking sector and hence, has important implications for the stability of the overall financial system. The loan portfolio held by banks mirrors the level of credit risk and efficiency in the allocation of bank funds. The general perception about a bank’s health is greatly determined by the level of non performing assets (NPAs) held in its books. It is, therefore, not surprising that the current spurt in NPAs in banks has been drawing a lot of attention of the policy makers and academicians alike. The gross non-performing asset (GNPA) ratio inched to 4.45 per cent as on March 15 this year, as compared to 4.1 per cent in March 2014, and the NNPAs have also climbed up from 2.2 per cent in March 2014 to 2.36% this year according to the latest data released by the Reserve Bank of India (RBI). According to credit rating firm CRISIL (dated May 13, 2015), the gross NPAs ratio of banks are slated to grow at 0.20 percent to 4.5 percent by March 2016. In this direction present paper is undertaken to make the comparison of NPAs between Axis Bank and Kotak Mahindra Bank. NPAs have been analysed using Ratio method and selected statistical tool such as t-test. |
