Strong banking system is the vital component for the economic growth of any economy. Indian banking industry has huge canvas of history and with the privatization it has achieved new heights in the changing times. Private sector plays very important role in Indian banking sector because it helps to bring technology advancement in the industry at a faster pace. The use of technology has brought a revolution in the working style of the banks and on the other side in the first decade of the 21st century, world economy was passing through complex circumstances as in the form of insolvency of banking and financial institutions, debt crisis etc. This scenario has resulted into negative impact on major developed economies as well and raises some valid questions about the survival & growth of economies. Present paper attempts to analyse the NPA management strategies of ICICI bank, which is one of the leading private sector banks in India, during the period of 15 years from 2001-2015. As per requirement of analysis, period is divided in 3 parts i.e. pre –crisis, crisis and post-crisis period. It presents the trend analysis of NPAs of private sector banks vis-à-vis ICICI bank and industry sector analysis through loan exposure data and NPAs out of loan distribution to various industries.
Keywords: Non-Performing Assets, Private Sector Banks, Industry and Trend Analysis, Financial Crisis.
JEL CLASSIFICATION: G01, G21, G28
