A Study on Non Performing Assets at Vijaya Bank (Bagalagunte Branch), Bengaluru.

Abstract

Non-performing assets were a major aspect of the profitability of Indian banks prior to 1992; the banks didn’t show their bad debts sustained by them and the provisions made by them as that it should have associated in nursing adverse. As this owns the low level of profits, the extra capital from the government as even made strong recurrent inn hands of funds. The transparency is also a main milestone for financial sector reform. As the prudential norms as relate to the income recognition, provision for bad debts, doubtful debts, asset classification and capital adequacy. The study is about impact of Non-performing of assets where study is conducted in Vijaya Bank, at Dasarahalli, Bangalore branch. Which has risen in its level of NPA over the years in the report the reason for the increase is observed and measured to the control the NPA is given the suggestion. The problem of Non-Performing Asset is danger to banks as it destroys the healthy financial condition and profitability of the bank. The customer could reduce the trust on the bank if the Non-Performing Asset are been increased in the bank as the bank should take corrective remedies to reduce the Non-Performing Asset as comparatively to past years.