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Impact of NPAs on Bank Performance
The Indian Banks are considered to be the backbone of Indian financial system. Presently, the Indian financial system is in a process of rapid transformation. There are about 67,000 branches of scheduled banks spread across India. This study examines the perception of loan officers on the impact of...
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| Médium: | Journal Article |
| Vydáno: |
Commerce Spectrum
2015
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| On-line přístup: | http://10.26.1.76/ks/005898.pdf |
| Shrnutí: | The Indian Banks are considered to be the backbone of Indian financial system. Presently, the Indian financial
system is in a process of rapid transformation. There are about 67,000 branches of scheduled banks spread
across India. This study examines the perception of loan officers on the impact of NPAs on performance of
banking industry and the general economy. Results reveal that the two factors found to be the internal impact
of NPAs in both Public and Private sector banks in India are ‘Financial Performance’ and ‘Managerial
Performance’. Two factors found to be the external impact of NPAs in both Public and Private sector banks in
India are ‘Country Performance’ and ‘Bank Credibility’. Three clusters found from factors on impact of NPAs in
the banking industry and in the general economy in India are Sagacious Loan Officers, Passive Loan Officers
and Sturdy Loan Officers. The researcher concludes that NPA is a threat to the existence of a bank. Default on
account of big borrowers is a major problem for both public and private sector banks though such borrowers
are less in number. |
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| Fyzický popis: | p.19-34 Volume 3 Number 2 December 2015 |