Non-Performing Assets: A Comparative Study of Union Bank and ICICI Bank

( Vol-11,Issue-4,July - August 2025 )

Author(s): Dr. K. Swapna Sri, Kottana Pallavi

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Page No: 020-025
DOI: 10.22161/ijaems.114.3

Keywords:

Non-Performing Assets, Union Bank of India, ICICI Bank, Gross NPA, Net NPA, Profitability, Return on Assets, Trend Analysis, Correlation, Indian Banking Sector

Abstract:

This study compares Non-Performing Assets (NPAs) of Union Bank of India and ICICI Bank from 2013 to 2023. It analyzes trends, causes, and the impact of NPAs on profitability using data from annual reports, RBI sources, and financial databases. Tools like trend and ratio analysis, along with correlation analysis, were applied. Results show Union Bank had higher NPAs than ICICI Bank, affecting profitability negatively. ICICI’s stronger credit evaluation and recovery systems helped maintain lower NPAs. The study highlights the need for improved risk management and digital tools in public sector banks to reduce NPAs and strengthen financial performance.

Received: 10 Jun 2025; Received in revised form: 30 Jun 2025; Accepted: 05 Jul 2025; Available online: 08 Jul 2025

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