INNOVISION Journal of Management Research

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India's banks play a critical role in the country's economy. Many Indian banks confront numerous risks, including a large pile of non-performing assets, operational inefficiencies, and a lack of credit approval experience. Modern banks are increasingly focusing on a business stream distinct from traditional banking, which enables them to reduce their risk portfolio and maximize the efficiency of their labor and resources. When an asset does not create any income for the bank, it is referred to as a non-performing asset (NPA). The loans granted to customers are the bank's assets. The loan becomes a Bad Loan or Non-Performing Asset if the consumer does not pay either the interest or the principal. The purpose of this study is to identify what impact does NPA have on profitability and performance? The study found that NPA has a significant negative impact on total loan and operating expenses.

Keywords

Non-Performing Asset, Risk portfolio, Profitability, Performance.
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