An Analysis of Assets Quality of Nationalised Banks

Non Performing Assets affect the profitability, liquidity and competitive functioning of banks and developmental financial institutions and finally the psychology of the bankers in respect of their nature towards credit delivery and credit expansion. The present paper is to analyse the assets quality of the selected nationalized banks. The present study is used exploratory research design. Sample of the ten nationalised banks have been used and the period of the study is ten year i.e, 2004–05 to 2013–14. The study is based on secondary data. Secondary data has been collected through Reserve Bank of India, viz. Report on Trends and Progress on Banking in India, IBA's Bulletins, Journals, websites, etc. The present study is used average, ranking, coefficient of variance (CV) and correlation of coefficient (r) techniques. It is found that there is a significance relationship in assets quality of among nationalised banks which reflect their varied efficiency in the management of nonperforming assets.