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NPA and Select Key Financial Heads: An Empirical study of Commercial Banks of India using Multiple Regression Modeling

The Journal of Accounting and Management

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Title NPA and Select Key Financial Heads: An Empirical study of Commercial Banks of India using Multiple Regression Modeling
 
Creator BAMORIYA, Prerna; Govindram Seksaria Institute of Management & Research
JAIN, Rajendra; Govindram Seksaria Institute of Management & Research
 
Subject Non-performing loans; Total Assets; Total Advances; Total Deposits; Net Interest Income
 
Description Non Performing Assets (NPAs) is one of the critical problems that have shaken the banking sector in India. There are many studies on internal and external factors affecting NPAs level, but this study attempts to specifically analyze impact of Key Financial Heads on NPA of Scheduled Commercial Banks of India to suggest banks on effective management of NPAs. For this Multiple Regression Modeling was used. Secondary data was taken from four representative banks for a period of 10 years starting from year 2002-03 to 2012-13. Among Key Financial Heads, Total Assets and Total Deposits had significant impact of NPA level. Further, Total Deposits was found to be contributing most to the NPA level. Banking sector is an indispensable financial service sector where threat of increase in NPAs affects the liquidity and profitability of banks. Thus this study made important implications to banks on effective management of NPAs.
 
Publisher The Journal of Accounting and Management
 
Contributor —
 
Date 2013-11-04
 
Type Peer-reviewed Article
 
Format application/pdf
 
Identifier http://journals.univ-danubius.ro/index.php/jam/article/view/2127
 
Source The Journal of Accounting and Management; Vol 3, No 2 (2013): JAM
 
Language en
 
Relation http://journals.univ-danubius.ro/index.php/jam/article/download/2127/7559
 
Rights The author fully assumes the content originality and the holograph signature makes him responsible in case of trial.