NPA Management In SBI

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Non- Performing Assets are threatening the stability and demolishing banks
profitability through a loss of interest income, write-off of the principal loan amount
itself.

The financial reforms helped largely to clean NPA in the Indian banking industry

Objectives Of The Study

1. To study the sources and deployment of funds of SBI
2. To examine the gross NPAs and net NPAs of SBI.
3. To investigate the impact of NPAs on profitability of the SBI.
4. To suggest measures to manage NPAs in SBI effectively.

Research Medodlogy

It includes research design, sampling framework, methods of data collection,
framework of analysis and limitations.

Gross NPAs and Net NPAs

The performance of SBI in gross NPAs and NPAs has been depicted

Year Gross NPA Net NPA
Rs. Percentage to
Gross Advances
Rs. Percentage to
Net Advacnes

2002-03 13506.07 9.34 6183.00 4.49
2003-04 12667.21 7.75 5441.73 3.45
2004-05 12455.73 5.96 5348.89 2.64
2005-06 9628.14 3.60 4911.41 1.88
2006-07 9998.22 2.92 5257.72 1.56
2007-08 12837.36 3.04 7424.33 1.78
2008-09 15588.66 2.84 9552.02 1.76
2009-10 19534.89 3.09 10870.17 1.72
2010-11 25326.29 3.34 12346.90 1.63
2011-12 39676.46 4.57 15818.85 1.82

NPA as Percentage to Total and Advances

Year
NPAs as percentage of
Total Assets
NPAs as percentage of
Total Advances
2002-03 3.59 9.34
2003-04 3.11 7.75
2004-05 2.71 5.96
2005-06 1.95 3.60
2006-07 1.76 2.92
2007-08 1.78 3.04
2008-09 1.62 2.84
2009-10 1.85 3.09
2010-11 2.07 3.34
2011-12 2.97 4.57

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