Evaluating Asset Quality In Indian Banking: A Case Study Of Net Npas In Axis Bank And ICICI Bank

Abstract

The leading private sector banks in India, Axis BANK and ICICI BANK, have net non-performing asset (NPA) trends examined in this study from 2018 to 2022. The study intends to appraise the private banking sector's asset quality performance and the efficiency of regulatory actions in resolving the non-performing asset (NPA) problem. The paper used the independent sample t-test and descriptive statistics for analysis. The bank's annual reports were used to collect secondary data. The implications of these revelations are far-reaching across dozens of stakeholders. It analysis can also be used by regulators to keep on top of the risks as they emerge and adapt their regulatory frameworks, while investors could overlay such assessment in making investment decisions. Policymakers can use the results to implement sectoral policies and maintain macroeconomic stability. Future research may consider the macroeconomic effects on asset quality or sectoral determinants of non-performing assets (NPAs).