Abstract :

The Study Investigated The Trajectory And Management Of Non-performing Assets At SBI Bank Over A Five-year Period. Employing Secondary Data Extracted From Audited Financial Statements, The Research Assessed Key Indicators Of Asset Quality, Provisioning Adequacy, Capital Strength, And Profitability. Descriptive Statistical Techniques And Visual Analyses Were Utilized To Trace Trends In Gross And Net NPAs, Provisioning Coverage, Capital Ratios, Deposit Growth, Borrowings, And Earnings Metrics. Findings Revealed A Sustained Improvement In Asset Quality Alongside Robust Profitability Enhancements And Maintained Capital Resilience. The Study Offered Strategic Recommendations For Credit Appraisal, Recovery Processes, Capital Management, And Portfolio Diversification. The Research Contributed Empirical Insights Into Effective NPA Mitigation And Financial Performance Optimization Within The Banking Sector.

Published:

21-6-2025

Issue:

Vol. 25 No. 6 (2025)

Page Nos:

695-701

Section:

Articles

License:

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

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