A Comparative Analysis of Non-Performing Assets in District Cooperative Central Banks: Evidence from Rayalaseema Region

This study examines the trend and pattern of non-performing assets (NPAs) in four District Cooperative Central Banks (DCCBs) in the Rayalaseema region of India over seven years from 2015-16 to 2021-22. The study uses various metrics, including gross NPAs, net NPAs, and NPAs as a percentage of total loans, total assets, and deposits. The results show significant differences in NPA levels between the four banks, with CDDCB exhibiting the lowest NPA levels. The study also finds that NPA levels have declined over the period, indicating an improvement in asset quality. The findings have implications for investors, policymakers, and banking sector stakeholders, highlighting the need for effective credit risk management and recovery mechanisms. Keywords: Non-Performing Assets (NPA), District Cooperative Central Bank (DCCB), Chittoor District Cooperative Central Bank (CDCCB), Kadapa District Cooperative Central Bank (KDCCB), Kurnool District Cooperative Central Bank (KUDCCB), Anantapur District Cooperative Central Bank (ADCCB), Net NPA, Gross NPA.