Review of Professional Management- A Journal of New Delhi Institute of Management

The PDF file you selected should load here if your Web browser has a PDF reader plug-in installed (for example, a recent version of Adobe Acrobat Reader).

If you would like more information about how to print, save, and work with PDFs, Highwire Press provides a helpful Frequently Asked Questions about PDFs.

Alternatively, you can download the PDF file directly to your computer, from where it can be opened using a PDF reader. To download the PDF, click the Download link above.

Fullscreen Fullscreen Off


Non-performing Asset is an important parameter in the analysis of financial performance of a bank as it results in decreasing margin and higher provisioning requirements for its doubtful assets.The paper identifies ten factors responsible for generation of NPAs through reviewing literature on Indian banking industry. Then, data collected from the publications of the Govt. of India for the period of 1997-2017, have been processed using Multiple liner regression technique to calculate the explanatory power of independent factors and their significance for generation of NPAs. The study finds that non priority sector lending has higher contribution in NPAs than priority sector lending. Also, gross domestic product, cash reserve ratio, repo rate, exchange rate, inflation, provision, taxation, fiscal deficit have significant contribution in generation of NPAs

Keywords

NPAs, Non-Priority Sector Lending, Gross Domestic Product, Provision, Multiple Regression.
User
Notifications
Font Size