A Study on Impact of Non-performing Assets and Its Financial Stability with Special Reference to Public Sector Banks in Vadalur

Author(s)	Ms. JAYAPRIYA J, ARUN A
Country	India
Abstract	This study examines the impact of Non-Performing Assets (NPAs) on the financial stability of the banks available in the Vadalur region using the CAMELS rating framework. The analysis spans was analyzed for the periods from 2020–2024 through the bank’s balance sheet and covers capital adequacy, asset quality, management efficiency, earnings, liquidity, and sensitivity to market risk. Data was collected from both primary (survey) and secondary sources (financial reports). Findings reveal a significant reduction in NPAs over the period of time from 2020 through the stringent action taken by the bank sector and overall improvement in bans financial performance was evolved with the analysis report. The study suggests strengthening internal controls and continuous monitoring to mitigate future risks.
Keywords	Non Performing Asset, Financial Performance, Camels Rating Scale.
Field	Business Administration
Published In	Volume 7, Issue 3, May-June 2025
Published On	2025-05-28
DOI	https://doi.org/10.36948/ijfmr.2025.v07i03.45915
Short DOI	https://doi.org/g9mn33

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International Journal For Multidisciplinary Research